MetroMile Comes to California with Per-Mile Car Insurance

What you need to know:

  • MetroMile is now available to drivers in California, Illinois, Washington and Oregon.
  • The company charges rates based on the number of miles you drive.

California drivers can now get pay-by-the-mile car coverage from Metromile, the company announced this week.

Billing itself as the “nation’s only pay-per-mile car insurance offering,” MetroMile charges drivers a daily rate based on the number of miles they drive, up to 150 miles (except for Washington, where the daily mileage cap is 250 miles).

MetroMile is now available in California, Illinois, Oregon and Washington.

Mileage is tracked through the company’s Metronome device. Drivers can track their Metronome-recorded driving statistics through a newly upgraded MetroMile iPhone app. The application now monitors things such as fuel usage, vehicle diagnostics and the vehicle’s location.

Drivers in San Francisco and Chicago can even use the application to get reminders about street sweeping schedules. That feature, according to a statement from CEO Dan Preston, is one of several ways MetroMile is “reinventing the car ownership experience to be smarter and more responsive to the needs of urban drivers.”

According to the company, its coverage is ideal for motorists who drive 10,000 miles a year or less.

Coverage availability is set to expand to other states in 2014, according to MetroMile, which is banking on a trend of American drivers driving fewer miles.

Reports Find Decline in U.S. Driving

According to a report from the U.S. Public Interest Research Group (PIRG) last May, Americans are driving fewer total miles compared to eight years ago.

The report’s findings led its co-author to declare that “the driving boom is over.”

PIRG cited several factors that have contributed to the decline in recent years, including rising gas prices, the economic recession and availability of “mobile technologies [that] have made driving less necessary.”

And the trend is likely to continue.

Last year, research from the University of Michigan Transportation Research Institute found that more than 1 out of every 5 young adults who don’t drive have “no intention of ever learning to drive.”

According to the U.S. PIRG report, “no likely scenario shows [driving in the U.S.] returning to previous levels of growth.”

About Charles Nguyen
Charles Nguyen is an enterprising journalist who reported for and the Desert Dispatch and was the editor in chief of the Guardian (the twice-weekly newspaper at the University of California, San Diego) before coming to Online Auto Insurance News.

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