Allstate Pay-Per-Mile: How to Get It

If you want to enroll in the Allstate pay per mile program, you'll need to be living in a participating state. Some quotes for Allstate's pay-per-mile program show that you could only pay six cents per mile you drive, making it much more affordable than standard rates. If you don't live in a participating state, you can still save with the Allstate Drivewise program.

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UPDATED: Dec 9, 2021

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Dec 9, 2021Fact Checked

Here's what you need to know...

  • Allstate’s Milewise program is available in certain states
  • It’s a car insurance program that is priced by the mile
  • If you can’t get Milewise, consider saving with the Drivewise program

If you want to get Allstate pay per mile insurance, you’ll need to live in a participating state. Allstate’s Milewise program is a great way to save if you don’t drive regularly. If you don’t live in a participating state, you can still save through the Drivewise program.

If you’re unsure whether or not Allstate is the company for you, read our Allstate car insurance review before you enroll in a policy.

If you want to find rates for Allstate pay-per-mile insurance, enter your ZIP code into our free quote tool to get an idea of what you could pay for car insurance today.

How do I enroll in the Allstate pay-per-mile program?

Whether or not you qualify for Allstate’s Milewise program will likely depend on the state you live in. Currently, Allstate offers Milewise in 20+ states across the country.

If you don’t live in a state with Milewise yet, Allstate suggests that you check out their Drivewise program. Instead of offering savings based on miles, Drivewise helps you save money by driving safely.

What states allow Allstate’s pay-per-mile program?

Currently Allstate offers Milewise in a few select states only. Some of the participating states include:

  • District of Columbia
  • Delaware
  • Illinois
  • Idaho
  • Indiana
  • Maryland
  • New Jersey
  • Ohio
  • Oregon
  • Texas
  • Virginia
  • West Virginia
  • Washington

If you live in one of these states, you should be able to get the pay-per-mile car insurance program through Allstate. While the insurance program is available in these states, the prices for rates may vary between locations.

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How does Allstate pay-per-mile work?

As with all car insurance policies, you’ll be underwritten based on your risk of the insurer having to pay out on auto insurance claims. When you apply for the Milewise program through Allstate, you’ll be assigned a base rate per month, usually $20 or more.

From there, the cost is dependent on the number of miles that you drive in that month. A mile will be priced at a certain number of cents, and then the total cost of the miles will be added to the base monthly rate to determine what you pay.

How much does Allstate pay-per-mile cost?

The cost of your pay-per-mile insurance from Allstate will likely come down to how you drive. The cost of your pay-per-mile car insurance will be based on your:

  • Vehicle
  • Driving record
  • Credit history
  • Mileage

As previously mentioned, your insurer will underwrite your car insurance with a flat monthly rate based on the above factors. After figuring out the flat rate, the insurer will price each mile you travel at a few cents. Your flat rate plus the sum of the cost of your miles will add up to your monthly rate.

According to Forbes, the average cost per mile is around six cents for pay-per-mile auto insurance. If you start with a $20 flat fee for the month and drive 200 miles, you could expect to pay around $32 a month or more for your Allstate pay-per-mile insurance plan.

Who is pay-per-mile car insurance for?

According to the Insurance Information Institute, the people who can benefit the most from pay-per-mile insurance are those who are paying too much for how little they use their car.

If you don’t use your vehicle regularly but are still paying for standard coverage, you might not feel like you’re getting the most value out of your policy.

Those who might consider a pay-per-mile insurance policy from Allstate include:

  • People who work from home
  • Public transit riders
  • People who drive under 50 miles a week

If you aren’t getting a lot of use out of your vehicle except for longer commutes, your insurer will be more willing to give you a pay-per-mile auto policy.

How are the miles measured?

In order for the system to work, the insurer will need to have a way to track your miles accurately. This is usually done with a device that gets placed in a port near your steering wheel. Depending on the insurer, there may be limitations based on whether or not your vehicle has a port for the device.

In addition to your mileage, some of these devices can register your speed, location, and time of day that you’re driving. Some insurers have used similar devices in the past to give safe drivers better discounts on their auto insurance rates.

How will my driving information be used?

When you give the insurer the ability to know how far and fast you drive, it’s a big commitment of trust. The insurer cannot disclose this information to anyone without your express permission.

The few instances where an insurer might share your driving information include a criminal inquiry or when you’ve been in an accident. An insurance meter that also measures your speed may be able to show that you attempted to stop the vehicle before the collision.

In addition, you’ll be able to use the Allstate app or website to easily look at factors that affect your driving, such as mileage and recent trips. This knowledge can help you to better understand why your price is what it is.

What are the Allstate pay-per-mile reviews?

Since Milewise from Allstate is one of the few usage-based auto insurance programs, it’s hard to judge its reviews relative to other similar programs. There’s no doubt that this is a great program for those wanting the most bang for their buck, but it’s a newer product.

There seems to be some disagreement within the online community about whether Allstate Milewise is worth it. Some make the point that you would need to use your vehicle less than daily in order to get the most out of the policy.

If you’re still using your vehicle to get to most places on a daily basis, you may want to consider sticking with a traditional car insurance policy.

What is Allstate Drivewise?

Even though Milewise is only available in certain states, you may still qualify for Allstate’s Drivewise program. Just like Milewise, Drivewise watches how you drive to determine your risk.

The Drivewise program focuses on how you drive by looking at the following characteristics of your driving:

  • Speed
  • Time of day
  • Braking

By considering these conditions, the insurer will be able to determine whether or not you can qualify for additional savings. Through the Allstate app, you can view your recent trips and insurer-sponsored challenges that make you a safer driver.

If you know that you’re a more defensive driver, you can sign up immediately through the Drivewise app on your mobile device.

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Allstate Pay-Per-Mile: The Bottom Line

If you want to get pay-per-mile insurance from Allstate, you may be disappointed to find it’s only available in certain states. If you qualify for the program, you may be able to save a lot on your insurance rates. If you don’t live in a participating state, Allstate Drivewise might help you save instead.

Compare quotes for Allstate pay-per-mile with quotes from other insurance companies by entering your ZIP code into our free quote tool.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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