Mile Auto Insurance Review for 2025

Our Mile Auto insurance review reveals how this pay-per-mile company helps remote workers, retirees, and infrequent drivers lower costs through mileage-based billing verified by odometer photos.

Mile Auto Insurance Rating

This system eliminates GPS tracking while still offering liability, collision, and uninsured motorist coverage. Drivers can also access rental reimbursement and roadside assistance.

Safe driving habits, limited annual mileage, and multi-car discounts increase savings. Find the cheapest car insurance by paying only for the miles you drive.

Mile Auto offers pay-per-mile insurance in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. Compare your low-mileage insurance options by entering your ZIP code into our fast and free quote tool.

Mile Auto Insurance Rates

Mile Auto has a base rate and then charges 6–8¢ for each mile you drive, which they calculate using the odometer photos you send every month. If your base rate is $40 and you travel 500 miles at $0.06 per mile, then your monthly cost will be $70.

Minimum coverage begins at $44 per month, and full coverage is an average of about $130 per month. This cost is good for drivers who do not drive much and want to save money without using GPS tracking.

Teen drivers have high monthly rates, especially 16-year-old males who pay $525 for full coverage. However, Mile Auto offers the best pay-as-you-go auto insurance prices, which go down gradually as people age.

Mile Auto Insurance Monthly Rates by Coverage Level

This table compares Mile Auto with nine national insurance companies. Erie offers the cheapest plans for both coverage levels, while Liberty Mutual and Travelers charge the most for full coverage.

Auto Insurance Monthly Rates by Provider & Coverage Level

Mile Auto stays competitive with $50 for minimum coverage and $130 on average for full coverage, which is less expensive than big companies like Farmers and Allstate.

Drivers with no violations and a clean record get the cheapest monthly rates for both levels of coverage. However, if a driver receives even one ticket, their rate significantly increases.

This rise is more noticeable for full coverage, which exceeds $200. One accident increases costs, and a DUI causes premiums to rise quickly. This chart shows how each mistake gradually increases expenses.

Mile Auto Insurance Discounts

Mile Auto insurance does not offer regular discounts like Safe Driver or bundling offers because its per-mile system already lowers costs naturally. Drivers pay a base rate plus 6–8¢ for each mile they drive, so if you travel less than 500 miles in a month, you usually end up paying under $70 total.

This setup is good for remote workers, retirees, and city commuters who drive less than 6,000 miles a year. It eliminates the need for regular discounts. By eliminating GPS tracking and using photos of the odometer instead, Mile Auto saves on expensive telematics costs and passes those savings on to its customers.

Read More: 17 Tips to Pay Less for Car Insurance

Mile Auto Insurance Coverage Options

Mile Auto simplifies its coverage into transparent, specific layers. It offers the standard policies, including liability and uninsured motorist protection.

Mile Auto Insurance Coverage Options

Additional services like rental coverage and roadside assistance, which aren’t available with all pay-per-mile insurance companies, complete the package.

Since Mile Auto focuses its premiums on how often people drive, those with high-risk records or low credit scores can often find cheaper rates than with traditional companies. Discover more options when you’re denied insurance coverage.

Mile Auto Insurance Reviews & Ratings

This rating overview gives a quick look at Mile Auto’s position in the industry. J.D. Power puts it at 842 out of 1,000, meaning customers are pretty happy.

Mile Auto Insurance Third-Party Customer Ratings

Mile Auto insurance reviews on Consumer Reports and BBB give a 72/100 and an A score grade, respectively, meaning average but not great. Complaint levels stay low at 1.02, and A.M. Best, awarding an A, shows good financial stability.

A Reddit post describes a real user’s experience with Mile Auto Insurance when their 2017 Kia Optima was stolen and damaged. Even though they had the insurance for just 28 days, the company covered everything except the deductible.

The poster praised the quick appraisal and repair process, giving a 10/10 recommendation in the Mile Auto insurance reviews on Reddit.

Read More: How to Compare Auto Insurance Companies

Mile Auto Helps Low-Mileage Drivers Save More

Our Mile Auto insurance review finds that this company is perfect for drivers who don’t drive a lot and want flexible and easy coverage. It charges based on the miles you drive, helping high-risk drivers find cheaper rates.

Mile Auto pay-per-mile auto insurance is perfect for retirees, remote workers, or those who only travel on weekends because they do not drive often. It offers different levels of protection and discounts, from basic liability to medical and roadside help, and customer satisfaction scores show strong trust in the industry. Understand how to buy auto insurance to get coverage that matches your lifestyle.

Mile Auto provides a suitable solution for policyholders who drive less, but explore more pay-as-you-go insurance plans by entering your ZIP code into our rate comparison tool to find the right policy for you.