Last updated: 15-May-2026
Mile Auto Insurance is a smart way for people who don’t drive much to save money on car insurance. Instead of paying a high fixed monthly premium you pay a small base fee plus a charge for every mile you actually drive. If you are a remote worker, student, retiree, or someone who only drives on weekends, this type of insurance can help you cut your insurance bill significantly.
In this guide you will learn how Mile Auto Insurance works who can benefit from it how mileage is tracked and what it costs. Everything is explained in simple terms so you can decide whether it is the right choice for you.
Written by Shumail at Insurenestly
Shumail is a researcher at Insurenestly. He specializes in studying different types of car insurance including Mile Auto Insurance and pay per mile programs.
He is not an insurance agent or service provider. His work focuses on researching insurance options comparing plans and creating simple guides to help drivers understand their choices better. All his articles are based on careful research from reliable sources.
Research Based Insurance Writer | See Author Profile
Which States Offer Mile Auto Insurance?
Mile Auto 2026, is currently available in nine states: Arizona, Colorado, Florida, Georgia, Illinois, Ohio, Oregon, Tennessee, and Texas. Availability can change, so check Mile Auto’s official website for the latest information before applying. If you live outside these states, consider other pay per mile providers.
Mile Auto Official Website: mileauto.com
What Is Mile Auto Insurance?
Mile Auto Insurance is a type of pay per mile car insurance. Instead of paying a fixed monthly premium you pay a small base rate every month plus a fee for every mile you drive. It is designed mainly for people who do not drive much and want to save money on insurance.
Traditional insurance vs mile auto insurance
| Factor | Traditional Auto Insurance | Mile Auto Insurance |
| Pricing method | Fixed premium | Base rate + mileage |
| Best for | Frequent drivers | Low mileage drivers |
| Monthly cost variation | Usually stable | Changes with mileage |
| Driving tracking | Usually none | Mileage monitoring common |
How Does Mile Auto Insurance Work?
Mile Auto combines a monthly base rate with a per mile rate. Your base rate and per mile rate are based on insurance factors such as your driving history, location, vehicle type and use, age, driving experience, credit history, and selected coverages and deductibles. The factors used can vary by state.
Each month, Mile Auto asks policyholders to submit an odometer photo. Its MVerity system sends reminders by text and email and uses the submitted photo to extract the odometer reading, confirm the vehicle and photo authenticity, and compare the reading with previous odometer readings.
After the mileage is reported, Mile Auto adds the miles driven at your per mile rate to your monthly base rate to determine the amount due for that billing period. For example, Mile Auto’s published example uses a $48 base rate and $0.08 per mile. If a driver travels 300 miles, the total would be $72 before any other applicable charges.
Mile Auto’s current information indicates that mileage reporting is handled on a recurring monthly basis. Policyholders should follow the reporting instructions provided by Mile Auto to keep their mileage records current.
Who May Benefit From Mile Auto Insurance?
Mile Auto Insurance can be a smart choice for many drivers but it is not suitable for everyone. It works best for people who drive very little. If you drive less than average this type of insurance can help you save money every month.
Example Calculation How Much Could You Save?
Let’s take a simple example to understand the savings better.
Meet James, a 34 year old remote worker from Ohio. He drives his car mostly on weekends grocery runs, occasional errands, and one short road trip per month. His total monthly mileage is around 350 miles. With his old traditional insurance policy, James was paying $118 per month regardless of how little he drove.
After switching to a pay per mile plan here is what his bill looks like:
Cost Component Amount Base rate $48 Miles driven (350 × $0.08) $28 Total monthly cost $76 James now saves $42 every month that is $504 per year just by switching to pay per mile insurance.
Note: This example uses Mile Auto’s published sample rates of a $48 monthly base rate plus $0.08 per mile. Your actual rate may vary based on your policy and driving.
What types of drivers may save with pay per mile insurance?
These types of drivers often benefit the most:
- Remote workers
- Retired drivers
- Students with limited driving
- Occasional drivers
- Households with secondary vehicles
Low mileage vs high mileage drivers
| Driver Type | Potential Benefit |
| Low mileage driver | May reduce costs |
| Frequent commuter | May pay more |
| Weekend only driver | Often suitable |
| Long distance driver | Usually less beneficial |
Drivers who travel fewer than about 10,000 miles annually may find it useful to compare pay-per-mile coverage with a standard auto insurance option.
How Is Mileage Tracked in Mile Auto Insurance?
Mile Auto uses odometer photos to track your mileage rather than requiring you to install a telematics device in your vehicle. MVerity collects mileage information by having policyholders submit a photo of their vehicle’s odometer.
This approach is different from some other pay-per-mile insurance programs that use a mobile app, plug in device, or other telematics technology to track driving. For drivers who prefer not to install a tracking device, Mile Auto’s odometer photo approach may be an important factor to consider.
Always check Mile Auto’s current requirements before purchasing a policy, as its mileage reporting process and requirements can change.
Manual tracking vs telematics tracking
| Tracking Method | How It Works |
| Manual odometer reporting | Driver submits mileage |
| Telematics device | Automatic mileage tracking |
| Mobile app tracking | App based monitoring |
What Coverage Options Exist in Mile Auto Insurance?
Mile Auto Insurance offers coverage options that are very similar to regular auto insurance. Mile Auto offers the standard types you would expect from an auto policy, with availability varying by state.
Standard Coverage Types
| Coverage Type | What It Covers |
|---|---|
| Liability coverage | Damage/injuries to others |
| Collision coverage | Your vehicle after crash |
| Comprehensive coverage | Theft, vandalism, weather, fire (non collision damage). |
Mile Auto offers liability coverage required by your state, with options for higher liability limits. Coverage options can vary by state and policy, but may include comprehensive, collision, rental car reimbursement, or roadside assistance.
Other coverages can depend on state law and the policy available in that state. These may include uninsured/underinsured motorist coverage, medical payments coverage, or personal injury protection (PIP).
Availability of coverages like UM/UIM and MedPay depends on your state’s requirements and the insurer’s filings. Always review the coverage options, limits, and deductibles available for your specific state before choosing a policy.
How Much Does Mile Auto Insurance Cost?
Mile Auto Insurance cost mainly depends on how many miles you drive your driving history location and vehicle type. Prices can vary a lot between different insurance companies and states. Your actual cost may be different.
| Monthly Mileage | Base Rate | Per Mile Rate | Total Monthly Cost (Approx.) | Estimated Annual Cost (Approx.) |
|---|---|---|---|---|
| 300 miles | $48 | $0.08 | $72 | $864 |
| 500 miles | $48 | $0.08 | $88 | $1,056 |
| 800 miles | $48 | $0.08 | $112 | $1,344 |
| 1 200 miles | $48 | $0.08 | $144 | $1,728 |
Note: These annual figures assume the same monthly mileage throughout the year. Your actual annual cost may be different if your mileage changes from month to month.
Base rate vs per mile charges
| Cost Component | Meaning |
|---|---|
| Base rate | Fixed monthly amount |
| Per mile charge | Cost based on miles driven |
Low mileage vs high mileage insurance costs
| Driving Pattern | Typical Cost Impact |
|---|---|
| Low annual mileage | Potential savings |
| Moderate mileage | Balanced pricing |
| High annual mileage | Higher monthly costs |
What factors affect mile auto insurance pricing?
These main factors affect Mile Auto Insurance pricing:
- Annual mileage
- Driving record
- Vehicle type
- ZIP code/location
- Age and experience
- Coverage selection
Drivers who drive very little usually save the most with this type of insurance.
What Are the Pros and Cons of Mile Auto Insurance?
Mile Auto Insurance can be a good option for some drivers but it is not perfect for everyone. It is important to understand both the benefits and drawbacks before choosing this type of insurance.
Advantages vs disadvantages of pay per mile insurance
| Advantages | Disadvantages |
|---|---|
| May lower costs for low mileage drivers | Less ideal for frequent driving |
| Flexible pricing | Mileage tracking required |
| Good for secondary vehicles | Monthly bills may vary |
| Encourages reduced driving | Limited availability in some states |
This table shows the main pros and cons clearly. Think about your driving habits before deciding if Mile Auto Insurance is right for you.
Mile Auto Insurance vs Usage Based Insurance
Mile Auto Insurance and Usage Based Insurance both offer ways to save money but they work differently. It is important to understand the difference so you can choose the right option for your driving style.
Pay per mile vs usage based insurance
| Factor | Mile Auto Insurance | Usage Based Insurance |
|---|---|---|
| Main pricing factor | Mileage driven | Driving behavior |
| Tracking focus | Miles traveled | Speed braking habits |
| Best for | Low mileage drivers | Safe drivers |
Mile Auto Insurance mainly looks at how many miles you drive. Usage Based Insurance focuses more on how safely you drive. Choose according to your driving habits for the best results.
What Mistakes Should Drivers Avoid?
Many drivers get excited about saving money with Mile Auto Insurance but later face problems because of poor choices. Taking time to understand the policy properly can help you avoid costly mistakes and disappointment.
Common mistakes when choosing mile auto insurance
Here are the most common mistakes drivers make:
- Underestimating yearly mileage
- Choosing coverage based only on price
- Ignoring mileage limits
- Not reviewing policy exclusions
- Forgetting tracking requirements
Cheapest option vs best value coverage
| Cheapest Option | Better Long Term Value |
|---|---|
| Lower upfront cost | Balanced protection |
| Limited coverage | Better financial security |
| Higher out of pocket risk | More complete coverage |
Always think about your actual driving habits and real needs instead of just going for the lowest price.
How Does the Mile Auto Insurance Claim Process Work?
The claim process for Mile Auto Insurance is mostly similar to regular traditional auto insurance. You still report the accident and work with the insurance company to get your claim settled. The main difference is that they may also check your mileage records during the claim.
If you need to file a claim with Mile Auto, follow the instructions provided by the insurer and provide the accident or loss information and supporting documents it requests.
Because Mile Auto’s pricing is based partly on reported mileage, keeping your odometer records accurate and following the required mileage reporting process is important. Keep your submitted odometer information and related records available in case you need to refer to them later.
Why are some claims delayed or denied?
Here are common reasons why claims get delayed or denied with Mile Auto Insurance:
- Missing documents
- Policy exclusions
- Incorrect mileage reporting
- Lack of evidence
- Coverage limitations
Always submit accurate information and keep good records of your driving to avoid problems with your claim.
Conclusion
Mile Auto Insurance can be a great option if you don’t drive much. It allows low mileage drivers to pay less by charging a base rate plus a small fee per mile. Before choosing Mile Auto Insurance think carefully about your actual driving habits compare different companies and understand the tracking method they use. The right choice can help you save money without losing important protection.
Disclaimer
This article is intended for general informational and educational purposes only. It does not provide personalized insurance advice or recommendations. Mile Auto Insurance rules, pricing, and availability can vary by state and insurance company. The information shared in this guide is based on general research and may change over time. Your actual premium and terms will depend on your personal situation.
We recommend you contact a licensed insurance agent or the insurance company directly to get accurate quotes and advice for your specific needs. InsureNestly and its writers are not responsible for any decisions or financial outcomes you make after reading this article. Always verify the latest details before purchasing any insurance policy.
References & Sources
- WalletHub – Pay Per Mile Insurance Review 2026
- NerdWallet – Pay Per Mile Car Insurance Explained
- Allstate – Pay Per Mile Car Insurance Information
FAQs
What is auto insurance by mile?
Auto insurance by mile is also called pay per mile insurance. Instead of paying a full monthly premium you only pay for the miles you actually drive. This makes it much cheaper for low mileage drivers.
What is the Mile Auto Insurance telephone number?
Mile Auto Insurance customer service number is 888 645 3001.
Is Mile Auto Insurance available in Texas?
Yes Mile Auto Insurance is available in Texas. It is one of the states where they actively offer pay per mile coverage.
Shumail is an independent insurance researcher and content writer who researches publicly available insurance information and explains coverage, costs, and insurance concepts in simple language. InsureNestly provides educational and informational content only and does not sell insurance or provide insurance advice.
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