Mile Auto Insurance Review for 2025 [Company Report]
This Mile Auto insurance review explores why the company is a top choice for low-mileage drivers. With competitive pay-per-mile insurance rates that start at $44 monthly, Mile Auto provides an attractive alternative to traditional insurers. However, frequent drivers may find it expensive.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated August 2025
This Mile Auto insurance review highlights two standout benefits: pay-per-mile pricing and low rates that start at $44 monthly for low-mileage drivers.
How much does mileage affect car insurance rates? For example, teen drivers who don’t log many miles could see significant cost reductions compared to traditional insurance.
Mile Auto Insurance Rating
Rating Criteria 
Overall Score 3.3
Business Reviews 4
Claim Processing 0.7
Company Reputation 4
Coverage Availability 1.8
Coverage Value 3.8
Customer Satisfaction 2.8
Digital Experience 3.5
Discounts Available 4.5
Insurance Cost 3.9
Plan Personalization 3
Policy Options 2.2
Savings Potential 2.8
While low-mileage drivers reap the most rewards, those who drive more frequently may find Mile Auto less competitive, as mileage can push monthly rates higher. High-risk drivers, such as those with traffic violations, also face higher base rates, even with the pay-per-mile model.
Mile Auto is ideal for drivers who don’t drive often, but it’s wise to compare multiple quotes to ensure you get the best deal. Find lower rates by entering your ZIP code into our free quote comparison tool above.
- Mile Auto has a 3.3 insurance rating
- Its pay-per-mile insurance model saves low-mileage drivers money
- Driving record, age, gender, and location affect Mile Auto insurance quotes
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Average Monthly Rates With Mile Auto Insurance
Mile Auto offers a unique pay-per-mile model, which can result in significant car insurance savings for low-mileage drivers. It sets a flat monthly rate and then charges a per-mile rate every month.
While Mile Auto advertises rates that start at $44/month, the truth is that most drivers pay closer to $100 monthly since the company bases the flat rate on driving record, age, gender, and location. Here’s a breakdown of the factors that affect car insurance quotes.
Mile Auto Insurance Rates by Age and Gender
Mile Auto Insurance rates vary significantly based on both age and gender. Younger drivers face substantially higher base rates but can keep costs low if they drive less than 900 miles per month.
Mile Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
Age & Gender Minimum Coverage Full Coverage
Age: 16 Female $225 $498
Age: 16 Male $240 $525
Age: 18 Female $195 $460
Age: 18 Male $210 $485
Age: 25 Female $85 $220
Age: 25 Male $90 $235
Age: 30 Female $65 $190
Age: 30 Male $70 $200
Age: 45 Female $46 $160
Age: 45 Male $44 $157
Age: 60 Female $55 $135
Age: 60 Male $62 $140
Age: 65 Female $58 $132
Age: 65 Male $60 $138
The gap persists across average car insurance rates by age and gender but narrows slightly as drivers age. By age 25, the difference between male and female rates is minimal.
Mile Auto Insurance Rates by Driving Record
Despite being a mileage-based provider, your driving history is still one of the most significant factors affecting your Mile Auto Insurance car insurance premium. Drivers with infractions still see an increase in their base rate before mileage is even factored in.
Drivers who need high-risk car insurance, such as those with a history of speeding tickets, accidents, or DUIs, will face higher premiums. Those with clean driving records enjoy the lowest base rates, so even low-mileage drivers with poor records may not benefit from the same savings.
Mile Auto Insurance Rates by State
Mile Auto monthly insurance rates across the U.S. average from $44 to $225 per month, depending on mileage and driver profile. Coverage is only available in 11 states: Arizona, California, Florida, Georgia, Illinois, Ohio, Oregon, Pennsylvania, Tennessee, Texas, and Wisconsin.
Some of these states, including Texas and California, are known for higher-than-average insurance rates. Mile Auto can help cut costs for low-mileage drivers living in these states. However, while its per-mile pricing offers flexibility, drivers with higher mileage may not see the same savings as other insurance models.
Read More: Cheapest Texas Car Insurance Rates
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Mile Auto Insurance Rates vs. the Competition
Mile Auto’s pay-per-mile model caters to low-mileage drivers, but how does it stack up against the competition when considering different age groups, driving records, and other factors?
Mile Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $448 | $519 | $168 | $176 | $162 | $160 | $158 | $157 |
 | $597 | $629 | $160 | $167 | $139 | $139 | $136 | $136 |
 | $220 | $254 | $90 | $87 | $80 | $80 | $78 | $78 |
 | $522 | $626 | $174 | $200 | $171 | $174 | $167 | $170 |
| $460 | $485 | $190 | $200 | $160 | $157 | $132 | $138 |
 | $303 | $387 | $124 | $136 | $113 | $115 | $111 | $112 |
 | $591 | $662 | $131 | $136 | $112 | $105 | $109 | $103 |
 | $229 | $284 | $94 | $103 | $86 | $86 | $84 | $84 |
 | $530 | $740 | $99 | $108 | $98 | $99 | $96 | $97 |
While other providers may offer slightly lower rates for certain age groups, Mile Auto strikes a good balance, particularly for drivers in their 30s to 60s. It has cheap car insurance for seniors, with 65-year-olds paying significantly less than Farmers or Progressive.
Pay Per Mile insurance is an easy answer if you’re looking to save money on car insurance. Take control over your costs and switch today! Visit the link in our bio to learn more about how much you can save. pic.twitter.com/tfB9PeeOEl
— Mile Auto (@DriveMile) August 11, 2022
Drivers with clean records will see significant savings with Mile Auto, as it generally offers lower rates than traditional insurers. However, for high-risk drivers, including those with violations, the pricing gap between Mile Auto and other companies tends to narrow.
Mile Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $174 | $212 | $234 | $313 |
| $157 | $185 | $210 | $260 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $99 | $134 | $139 | $206 |
While Mile Auto is more affordable for drivers with minor violations, competitors like Geico, State Farm, and Progressive offer better pricing to high-risk drivers.
Mile Auto Insurance Coverage Types and Options
Mile Auto, Inc. provides a range of coverage options designed to meet various driver needs. Its liability auto insurance coverage pays for injuries and property damage to others in an accident. For those seeking more protection, comprehensive coverage safeguards against non-collision incidents, such as theft or natural disasters, while collision coverage helps repair damage to your vehicle and property.
Mile Auto Insurance Coverage Options
| Coverage | Description |
|---|---|
| Liability | Covers injury and damage to others |
| Comprehensive | Protects your car from non-collision damage |
| Collision | Handles car collision damage |
| Uninsured/Underinsured Motorist | Protects against underinsured drivers |
| Medical Payments (MedPay) | Covers medical expenses |
| Roadside Assistance | Offers towing and emergency help |
| Rental Car Reimbursement | Pays for a rental during repairs |
| Personal Injury Protection (PIP) | Handles medical costs regardless of fault |
| Pay-Per-Mile Pricing | Charges based on miles driven |
Mile Auto also offers other types of required coverage, including uninsured/underinsured motorist coverage, medical payments coverage (MedPay), and personal injury protection (PIP).
Uniquely, Mile Auto offers roadside assistance and rental car reimbursement add-ons, which are typically not available with other pay-per-mile providers.
What Customers Have to Say About Mile Auto Insurance
Low-mileage drivers appreciate Mile Auto’s affordability and flexibility. Many customers highlight the savings from the pay-per-mile model, which offers a significant advantage over normal insurance companies for those who don’t drive often.
Positive reviews frequently mention excellent customer service and easy policy management through the Mile Auto insurance app.
Mile Auto is praised for its unique approach, though its benefits are most evident for specific driving habits. However, some customers express concerns about a higher base rate than expected, especially for drivers with less-than-perfect records.
If you have claims or accidents on your record, compare quotes from the ten best car insurance companies for high-risk drivers. You’ll likely get better rates.
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Mile Auto Insurance Ratings
Mile Auto has received mixed reviews from various industry organizations. While it excels in customer satisfaction and financial stability, it needs to catch up in a few areas, such as handling complaints.
Mile Auto Insurance Business Ratings & Consumer Reviews
Agency
Score: 842 / 1,000
Avg. Satisfaction
Score: A
Excellent Business Practices
Score: 72/100
Good Customer Feedback
Score: 1.02
Avg. Complaints
Score: A
Excellent Financial Strength
While Mile Auto has strong ratings from the BBB and A.M. Best for customer service and financial stability, it does receive more complaints than average, according to the NAIC. However, the company remains a popular choice for drivers prioritizing affordability and usage-based car insurance.
Mile Auto Pay-Per-Mile Car Insurance Pros and Cons
Mile Auto stands out as a modern insurance provider that caters to low-mileage drivers who work from home or have short commutes. Here are the top three advantages to buying Mile Auto car insurance:
- Positive Customer Review: Mile Auto receives the average number of customer complaints.
- Affordable Coverage: Mile Auto insurance rates are cheap for low-mileage drivers
- No Tracking Devices: Mile Auto doesn’t track driver habits, and policyholders only need to submit a picture of their odometer every month.
Its biggest strength is its cheap low-mileage car insurance. Unfortunately, high-mileage drivers will see higher rates. Other disadvantages of Mile Auto pay-per-mile car insurance are:
- No Discounts: Mile Auto doesn’t offer any car insurance discounts
- Regional Limitations: Car insurance from Mile Auto is only available in 11 states.
If you’re seeking multi-policy or multi-vehicle discounts in addition to low-mileage savings, you’re better off going with another company.
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Why Mile Auto Insurance Stands Out for Low-Mileage Drivers
This Mile Auto Insurance car insurance review found that, while it may not be the cheapest choice for high-mileage or high-risk drivers, Mile Auto provides flexibility and savings for those who drive less than 10,000 miles annually.
For those who don't drive often, Mile Auto's usage-based pricing can still be one of the best car insurance options for saving money, even without the standard discounts typically offered by other insurers.
Michelle Robbins Licensed Insurance Agent
By combining various car insurance coverage options and car insurance discounts, Mile Auto stands out as a cost-effective, customer-friendly insurer, especially in states where it’s available.
Searching for more affordable premiums in your state? Enter your ZIP code below to find the right provider for you and your budget.
Frequently Asked Questions
Why is Mile Auto car insurance so cheap?
Mile Auto is affordable because it uses a pay-per-mile model, charging you based on how much you drive.
How do I track my mileage with Mile Auto car insurance?
Mile Auto only requires drivers to take a picture of their odometer every month to set rates.
What types of car insurance discounts does Mile Auto offer?
Mile Auto does not offer any discounts. But if you’re interested in discounts, compare Progressive car insurance discounts or Nationwide car insurance discounts to find more savings.
What states is Mile Auto Insurance available in?
Mile Auto is available in Arizona, California, Florida, Georgia, Illinois, Ohio, Oregon, Pennsylvania, Tennessee, Texas, and Wisconsin.
Is Mile Auto Insurance available in all states?
No, Mile Auto Insurance is only available in select states, so it’s best to check if your state is covered before getting a quote. Enter your ZIP code below to find affordable car insurance companies near you.
Is Mile Auto Insurance leaving Texas?
Mile Auto is still operating in Texas, but availability may change, so it’s best to confirm with the company. You can also compare other cheap Texas car insurance companies.
Who is the CEO of Mile Auto?
The CEO of Mile Auto, Inc. is Fred Blumer.
What is the A.M. Best rating for Mile Auto Insurance?
Mile Auto has a B+ (Good) rating from A.M. Best.
How long has Mile Auto Insurance been in business?
Mile Auto has been in business since 2019.
Can high-risk drivers buy Mile Auto car insurance?
Yes, Mile Auto provides coverage for high-risk drivers but does not file SR-22 insurance. If you require an SR-22, you’ll need to shop with other providers.
How does Mile Auto handle claims?
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