Mile Auto Insurance Review (2025)
- Overall rating: fair (2.3/5 stars)
- Digital Experience Score: 1.75/5 stars
Read more below to get a quote directly from Mile Auto.
Mile Auto Insurance: A fair choice for low-mileage drivers
Mile Auto offers a pay-per-mile car insurance model designed for low-mileage, good drivers looking to save. While it earns points for a relatively smooth setup process and decent customer service upfront, things can take a turn once you file a claim. Despite branding itself as a tech-forward company, Mile Auto’s digital experience has left some users underwhelmed.
And with pricing that isn’t easy to pin down, it can be tough to know if it’s the right fit. The Zebra gives Mile Auto a fair rating.
-
Availability of Support Channels: Get help through your preferred method—phone, chat, app, or in-person.
-
Financial Strength Ratings: Strong ratings indicate the carrier can pay claims during major events.
-
Integration with Other Platforms: No integration means managing insurance separately from other accounts.
-
Mobile App Functionality and Usability: Poor or missing app forces you to use less convenient methods.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Mile Auto car insurance?
Accurate pricing information for Mile Auto is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy.[1] The company states that both base rate and per-mile rate are calculated off of variables like your driving history, location, vehicle type and use, age and gender, years of driving experience, credit history, and coverages and deductibles. Mile Auto claims that standard drivers see 30-40% savings in car insurance premiums.
Still, the best way to determine if Mile Auto fits your budget is to get a personalized quote and compare it with other options during your search.
See how Mile Auto stacks up against competitors →
Discounts offered at Mile Auto: unlisted
Mile Auto does not advertise any available discounts online. This is likely due to the simplified nature of pay-per-mile insurance— the company aims to offer drivers the lowest rates possible based on their driving profile.
Compare with other companies
See how Mile Auto stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Medium
Our take:
- Fair pay-per-mile insurance option
- Poor digital experience scores for a tech-first model
- Only available in select states
Cost: $1,152 for a six month auto policy
Customer satisfaction: Medium
Our take:
- Metromile is Lemonade's car insurance provider
- Only available in eight states
- Similar rating structure to Mile Auto
Cost: $954 for a six-month policy
Customer satisfaction: Medium
Our take:
- Known for offering cheap car insurance
- Standard car insurance policy offerings alongside telematics discount option
- 3rd most popular auto insurance company
Mile Auto's customer service & claims experience: Middle of the road
Credible review sites like Trustpilot and the Better Business Bureau show a mixed bag when it comes to Mile Auto. Some users report frustration with hidden fees and a bumpy claims experience. Others, however, highlight positive interactions—especially during the quoting process and when setting up a new policy.
Thinking about Mile Auto?
See what other drivers are asking
Mile Auto or regular insurance?
Are pay-per-mile companies worth it if my driving changes a lot?
Is Mile Auto legit?
Claims process: Lengthy and dodgy
Mile Auto customers report feeling left in the dark when it matters most; many cite long gaps in communication during the claims process—waiting weeks for updates, with little clarity and no resolution. The general consensus? Things go smoothly until you actually need to use your coverage.
Coverage options: Standard offerings
Mile Auto offers basic coverage options like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection. Beyond that, their optional coverages are limited to two.
✔️ Rental car reimbursement
Carrier pulse: Recent news from Mile Auto
- Precision beats pricing in crowded auto market, warns Mile Auto boss[2]
Final thoughts: Is Mile Auto right for you?
If you’re a low-mileage driver with a clean record and you rarely need to file claims, Mile Auto might be worth a look. But if digital ease and a reliable claims experience are high on your priority list, this insurer may fall short. Ultimately, without upfront pricing and with mixed reviews on claims support, Mile Auto isn’t a one-size-fits-all solution. It could be right for you—but only if the tradeoffs match your needs.
Frequently Asked Questions about Mile Auto
Get quotes from Mile Auto and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Precision beats pricing in crowded auto market, warns Mile Auto boss. Insurance Business Mag
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.