Metromile Auto Insurance: Available In Arizona?

Metromile is a pay-per-mile auto insurance company that offers its services in Arizona. The company's insurance rates are based on a base rate and a per-mile rate, which is influenced by factors such as age, driving history, and credit. Metromile's pay-per-mile insurance is ideal for drivers who have low monthly mileage, use public transportation, or work from home. The company offers flexible coverage options and allows customers to personalize their policies to meet their specific needs. In Arizona, eligible drivers can save up to 15% on their initial quote through safe driving practices. Metromile's pay-per-mile insurance is a cost-effective option for drivers in Arizona, providing the same great coverage at a lower price.

Metromile's pay-per-mile insurance in Arizona

Metromile's pay-per-mile insurance is available in Arizona. This insurance option is ideal for low-mileage drivers, who can save up to $947 per year compared to traditional insurance.

The pay-per-mile insurance from Metromile provides the same coverage as traditional insurance, including bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments, collision, comprehensive, rental coverage, and roadside assistance. Arizona state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $15,000 in property damage liability coverage. Metromile allows drivers in Arizona to personalize their policies to meet their specific needs and comply with state requirements.

In addition to the flexible coverage options, Metromile offers a range of discounts for Arizona drivers. For example, drivers who insure multiple cars on the same policy or install safety equipment in their vehicles may be eligible for a lower rate. Senior drivers are also eligible for discounts, recognizing their safer driving practices.

To help drivers understand their potential savings, Metromile offers a Ride Along™ feature. This allows drivers to use the Metromile app for about two weeks to track their actual driving behaviour and see their rates. During this period, eligible drivers in Arizona can save up to 15% on their initial quote by demonstrating safe driving habits.

Metromile's pay-per-mile insurance is a fair and cost-effective option for drivers in Arizona, especially those who drive infrequently or have low annual mileage.

Arizona's state minimum requirements for car insurance

Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles, and mopeds.

The state's minimum requirements for car insurance are:

• $25,000 per person and $50,000 per accident in bodily injury liability coverage.
• $15,000 in property damage liability coverage.

These requirements can be met through a standard auto insurance policy or by self-insuring. Self-insuring your car is generally only available to drivers who own more than 10 cars. If you choose to self-insure, you'll need to provide a sizable financial bond (up to $1,000,000) and submit a stack of paperwork to the Arizona Department of Transportation.

It's important to note that these are the minimum requirements, and you may want to consider higher limits or additional coverage types for extra peace of mind. For example, Arizona also recommends Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, which pays your medical bills and property damage expenses if you are involved in a crash with a motorist who does not have sufficient insurance.

Metromile's Ride Along feature

Metromile is a pay-per-mile auto insurance company that offers a unique service called Ride Along™. This feature is designed to help drivers understand their potential savings with pay-per-mile insurance before making a purchase.

Here's how it works: Arizona drivers can download the Metromile app and take it for a "test drive" for about two weeks. During this period, Metromile will observe and track your actual driving habits, including the number of miles driven, to calculate your insurance rate. This allows you to get a more accurate estimate of your potential savings with pay-per-mile insurance.

The beauty of Metromile's Ride Along™ feature is that it provides transparency and helps you make an informed decision. You can see exactly how your driving habits translate into insurance costs. This way, you can decide if pay-per-mile insurance is the right choice for you without any commitments.

In Arizona, eligible drivers can save up to 15% on their initial quote by demonstrating safe driving habits during the Ride Along™. This feature is an excellent way for drivers to experience the benefits of Metromile's pay-per-mile insurance and see if it aligns with their driving needs and preferences.

With Metromile, you pay based on your actual driving habits. The company offers a low monthly base rate, starting at just $29 per month, plus a few cents for each mile you drive. This means that the less you drive, the more you save. This pricing model can be especially advantageous for drivers who work from home, have retired, or simply don't drive as often.

In addition to potential savings, Metromile also offers a range of coverage options, including bodily injury liability, property damage liability, uninsured/underinsured motorist protection, personal injury protection, and more. You can customize your policy to fit your specific needs and lifestyle.

Overall, Metromile's Ride Along™ feature is a valuable tool for Arizona drivers considering pay-per-mile insurance. It provides a risk-free way to test the waters, see potential savings, and make a well-informed decision about your auto insurance.

Discounts for Arizona drivers

Metromile offers pay-per-mile auto insurance to drivers in Arizona. This insurance option is based on how far you drive and can help you save money on your car insurance.

Metromile offers various discounts for Arizona drivers, including:

• Multi-car discount: Customers who insure multiple cars on the same policy can earn a lower rate.
• Safety equipment discount: Drivers who install safety equipment or features in their cars may be eligible for a discount.
• Senior driver discount: Senior drivers can benefit from reduced rates, recognising their safer and more mature driving practices.
• Good student discount: Full-time students under 25 who can demonstrate good academic performance may be eligible for a discount.
• Defensive driving discount: Arizona drivers can save up to 10% on applicable coverages by completing an approved defensive driving course.
• Low-mileage discount: Metromile's pay-per-mile insurance option inherently benefits low-mileage drivers, as you pay a lower rate the less you drive.

These discounts can help Arizona drivers save significantly on their car insurance costs, providing more affordable coverage options.

Metromile's app features

Metromile's app is available on both iOS and Android. The app is designed to provide a holistic view of everything to do with your car. It is split across four distinct areas: Car Health, Parking, Trips, and Insurance.

The app can be used by per-mile insurance customers or people who use the free app version. Here are some of the features available on the app:

• Car Health: This feature decodes engine code warnings and allows users to contact the in-house mechanic. It also provides a car health monitor that gives drivers insights to simplify car ownership.
• Parking: This feature shows where your car is parked and alerts you to street sweeping in select cities.
• Trips: This feature allows you to review your trips to check your mileage, fuel cost, and time spent driving. It also provides an aggregate view of the current month's trips, including totals for mileage, the number of trips, and projected fuel cost.
• Insurance: This feature shows potential savings and allows insurance customers to contact Metromile's in-house mechanic.

The app also provides a step-by-step process for filing a claim and 24/7 support from the claims team. Additionally, it can help locate your lost or stolen car, with a 92-94% stolen car return rate.

Frequently asked questions