Mile Auto is a pay-per-mile auto insurer built for people who do not drive much, charging a low monthly base rate plus a small amount for each mile you actually drive. It stands out for verifying mileage with a monthly odometer photo instead of a plug-in device or GPS tracking, so here is an independent look at Mile Auto, its estimated costs, and how it compares in 2026. Note that Mile Auto is a separate company from Metromile and should not be confused with it.
Mile Auto was founded in 2017 and is headquartered in Atlanta, Georgia. It is a pay-per-mile insurer: you pay a low monthly base rate plus a per-mile charge, typically around 6 to 8 cents a mile, so your bill scales with how much you actually drive. Instead of a plug-in telematics device or GPS tracking, Mile Auto verifies your mileage with a photo of your odometer that you submit once a month, which its computer-vision system reads and validates. The company carries an A (Excellent) financial strength rating from AM Best and is currently available in Arizona, Colorado, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. It is aimed squarely at low-mileage drivers such as remote workers, retirees, and weekend-only drivers. Mile Auto is a distinct company and is not the same as Metromile.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by Mile Auto. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$780/yr | Well below avg. | For a low-mileage driver; base + per-mile |
| Single accident (3 yrs) | ~$1,120/yr | Below avg. | Surcharge applies to base and per-mile rate |
| DUI on record | ~$1,760/yr | Below avg. | May be declined; SR-22 not guaranteed |
| Young driver (18–24) | ~$1,340/yr | Below avg. | Low miles help; young-driver surcharge still applies |
| Senior driver (65+) | ~$690/yr | Well below avg. | Strong fit for retirees who drive little |
| Lower credit tier | ~$1,080/yr | Below avg. | Credit scoring applies where legal |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from Mile Auto. Verify pricing directly with the carrier or a licensed agent.
Mile Auto's whole appeal is the pay-per-mile model. If you drive well under the average American's mileage, the low monthly base rate plus a few cents per mile can add up to far less than a traditional flat annual premium, and its A rating from AM Best signals solid financial backing. The photo odometer approach is a genuine differentiator: unlike most usage-based programs, Mile Auto does not require a plug-in device or ongoing GPS tracking, which appeals to drivers who want mileage-based savings without surveillance. The trade-offs are real, though. Coverage is limited to eight states, the carrier is smaller and newer than national brands, and the math flips for high-mileage drivers, who can end up paying more than a standard policy would cost. You also have to remember to send an odometer photo each month. It is worth stressing that Mile Auto is not Metromile; they are separate companies. For the right low-mileage driver in an available state, it can be a strong value, which is exactly why it is worth comparing against other carriers.
Mile Auto is a strong fit for low-mileage drivers in its eight available states who want pay-per-mile pricing without a tracking device. It is less compelling for high-mileage drivers, who may pay more than with a standard flat-rate policy, and for anyone outside its footprint. Comparing Mile Auto against other carriers for your ZIP and driving profile is the fastest way to see whether its per-mile model actually saves you money.
Disclaimer: RateWire is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Mile Auto. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from Mile Auto. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent before purchasing.