Mile Auto Insurance Review for 2025 (Rates, Discounts, & Options)
Mile Auto insurance is a pay-per-mile provider that charges a base rate plus 6 to 8 cents per mile. Minimum coverage starts at $44 per month for low-mileage drivers. This Mile Auto insurance review highlights its unique odometer photo system, which offers usage-based pricing without GPS tracking.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: May 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 30, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Mile Auto Insurance
Monthly Rates:
$44A.M. Best Rating:
AComplaint Level:
LowPros
- Per-mile pricing helps low-mileage drivers save significantly
- Customizable policies allow flexibility in coverage and cost
- Low complaint index reflects strong customer satisfaction
Cons
- Full coverage rates jump fast after a ticket or accident
- Not as well-known as major nationwide competitors
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| Rating Criteria |  |
|---|---|
| Overall Score | 3.2 |
| Business Reviews | 4.0 |
| Claim Processing | 4.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 1.8 |
| Coverage Value | 3.8 |
| Customer Satisfaction | 1.1 |
| Digital Experience | 3.5 |
| Discounts Available | 0.7 |
| Insurance Cost | 3.9 |
| Plan Personalization | 3.0 |
| Policy Options | 2.8 |
| Savings Potential | 2.8 |
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 insurance tracks miles using photo-only proof monthly
- Drivers pay 6 to 8 cents per mile after a fixed monthly base rate
- Policyholders save up to 40% without device-based monitoring
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| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $225 | $498 |
| 16-Year-Old Male | $240 | $525 |
| 18-Year-Old Female | $195 | $460 |
| 18-Year-Old Male | $210 | $485 |
| 25-Year-Old Female | $85 | $220 |
| 25-Year-Old Male | $90 | $235 |
| 30-Year-Old Female | $65 | $190 |
| 30-Year-Old Male | $70 | $200 |
| 45-Year-Old Female | $46 | $160 |
| 45-Year-Old Male | $44 | $157 |
| 60-Year-Old Female | $55 | $135 |
| 60-Year-Old Male | $62 | $140 |
| 65-Year-Old Female | $58 | $132 |
| 65-Year-Old Male | $60 | $138 |
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| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $32 | $84 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
| $50 | $130 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
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.
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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| Coverage Type | |
|---|---|
| Liability | Covers others’ injuries or damage if you're at fault |
| Collision | Pays for your car’s crash damage, regardless of fault |
| Comprehensive | Protects against theft, fire, weather, and more |
| Uninsured/Underinsured Motorist (UIM) | Covers you if the other driver lacks enough insurance |
| Medical Payments (MedPay) | Pays your medical bills, no matter who’s at fault |
| Personal Injury Protection (PIP) | Covers medical costs and lost wages (state-specific) |
| Rental Reimbursement | Helps pay for a rental during repairs |
| Roadside Assistance | Covers towing, jump-starts, flats, and lockouts |
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| Agency | |
|---|---|
 | Score: 842 / 1,000 Above Avg. Satisfaction |
 | Score: A Good Business Practices |
 | Score: 72/100 Good Customer Feedback |
 | Score: 1.02 Avg. Complaints |
 | Score: A Excellent Financial Strength |
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.
Comment
byu/userking99 from discussion
inInsurance
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
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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.
Compared to pay-per-mile competitors, Mile Auto’s no-device model offers more privacy. For instance, it relies solely on photo submissions, not GPS tracking.
Michelle Robbins Licensed Insurance Agent
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.
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Frequently Asked Questions
What is the charge per mile with Mile Auto insurance?
You’re typically charged about 6-8 cents per mile, depending on your location, vehicle, and driving history, in addition to your monthly base rate. How do you calculate charge per mile on your policy? Multiply your monthly mileage by your per-mile rate and add your fixed monthly base rate. Learn what to do if you can’t afford your auto insurance.
How does Mile Auto insurance work?
Mile Auto charges a base rate plus a per-mile rate, calculated using odometer photos you submit monthly. The less you drive, the more you save.
How much is pay-by-mile insurance from Mile Auto?
Pay-by-mile insurance with Mile Auto typically starts at around $44 per month for minimum coverage and averages $130 per month for full coverage, depending on usage.
What is Mile Auto insurance’s A.M. Best rating?
Mile Auto holds an A rating from A.M. Best, indicating strong financial stability and a reliable ability to pay out claims (Read More: How to File an Auto Insurance Claim and Win it Each Time).
How do you get a Mile Auto insurance quote?
You can get a Mile Auto insurance quote online by entering your ZIP code and mileage estimate. Minimum coverage starts at about $44 per month. Discover how much you can save by using our free quote comparison tool.
What is the Mile Auto insurance phone number?
How do you contact Mile Auto? If you have questions about your policy, claims, or billing support, you can contact Mile Auto insurance customer service at (888) 645-3001.
Where do you access the Mile Auto insurance login page?
To log in, visit www.mileauto.com and click the “Login” button at the top right corner to manage your policy and submit odometer readings.
Does Mile Auto have full coverage insurance?
Yes, Mile Auto offers full coverage that includes liability, collision, and comprehensive auto insurance. How much is full coverage auto insurance with Mile Auto? Full coverage averages $130 per month, though rates can vary based on your driving history, vehicle type, and mileage.
Who owns Mile Auto insurance?
Mile Auto insurance is a privately held company based in Atlanta, Georgia. It was founded by tech and insurance industry veterans and focuses on usage-based car insurance.
What is the best pay-per-mile auto insurance you can choose?
Mile Auto ranks among the best pay-per-mile car insurance companies for drivers who drive under 10,000 miles yearly, thanks to its simple pricing and lack of tracking devices. Learn more in our guide to usage-based car insurance.
How long has Mile Auto insurance been in business?
Mile Auto was founded in 2017 and has operated for over seven years. It focuses on affordable pay-per-mile coverage for low-mileage drivers.
Is Mile Auto the most trusted insurance company?
While not the largest, Mile Auto is well-regarded among low-mileage drivers for its transparent pricing, reliable claims service, and high customer satisfaction ratings. Enter your ZIP code to find trustworthy insurance companies near you.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
