Metromile Illinois Car Insurance Cost and Availability

Metromile Illinois car insurance costs are based on how much you drive, with a lower rate for those who drive fewer miles.

In Illinois, Metromile is available in 64 counties, but not in the city of Chicago itself.

The average annual cost of Metromile Illinois car insurance is around $800, which is significantly lower than the state average.

Metromile Illinois car insurance is known for its pay-per-mile pricing, where you only pay for the miles you drive, not the miles you're entitled to.

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Metromile is a car insurance provider that offers coverage in Illinois. They provide a range of coverage types, including collision, comprehensive, bodily injury, property damage, under/uninsured motorist, and medical payments coverage.

Metromile's coverage limits for bodily injury and property damage liability vary, with options ranging from $15,000/30,000/5,000 to $250,000/500,000/100,000.

Here are the specific coverage limit options:

Metromile also offers different deductible options for comprehensive and collision coverage, ranging from $250 to $1,000, or even no deductible at all.

Metromile car insurance is available in Illinois, along with seven other states. You can also take advantage of Metromile's trial program, Ride Along, to get an estimate of your driving habits and get the most accurate quote.

Here are the states where Metromile car insurance is available: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Metromile's cost is unique to each customer, and it's calculated based on several factors, including your age, state, vehicle type, driving history, and more.

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Metromile car insurance is available in several states across the US. You can get a policy in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

If you live in any of these states, you can consider Metromile as an option for your car insurance needs.

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Car insurance in Illinois is relatively affordable, with a monthly average cost of $49 for minimum coverage. This is 37% lower than the national average auto insurance premium.

If you're looking for the cheapest car insurance companies in Illinois, USAA, Indiana Farm Bureau Insurance, and Hastings Mutual are worth considering. Getting quotes from several companies can help you find the best deal.

The cost of Metromile insurance is unique to each customer, as it's based on a combination of a base rate and a per-mile rate. The factors that affect your rate include your age, state, vehicle type, driving history, coverage, and other variables.

Here's a rough estimate of the monthly cost of Metromile insurance based on your mileage:

Keep in mind that these rates are based on data from the California Department of Insurance, so your actual cost may vary. It's a good idea to take advantage of Metromile's trial program, Ride Along, to get an estimate of how many miles you drive and get the most accurate quote.

So, you're wondering how much car insurance you need in Illinois?

In Illinois, you'll need at least $25,000 of bodily injury liability insurance per person, up to $50,000 per accident. This is the minimum required by law.

The state also requires $20,000 of property damage liability insurance. This will help cover any damages you cause to another person's property.

Here's a quick rundown of the minimum coverage limits you'll need in Illinois:

Metromile Illinois offers a unique car insurance experience, with features that set it apart from traditional insurers. Founded in 2011, Metromile uses AI claims assistant to decide on some claims instantly, making the process faster and more efficient.

Metromile's pay-per-mile pricing model charges customers a base rate plus a fee for each mile driven, with the Pulse device tracking miles through the OBD-II port. This means you'll only pay for the miles you drive, which can lead to significant savings - on average, customers save $600/year.

Here are some of the coverages and discounts you can expect from Metromile Illinois:

Keep in mind that Metromile does not insure drivers who use their cars for popular ridesharing or delivery services, so if you use your vehicle in that way, you'll need to consider other insurers.

Metromile offers a unique feature - $1,000 of pet injury coverage if you purchase collision and comprehensive coverage.

You can also get a collision deductible waiver, which eliminates your deductible if you're in an accident caused by an uninsured driver, but this is available at an additional cost.

Metromile has a list of available coverages, including bodily injury liability, property damage liability, uninsured/underinsured motorist liability, personal injury protection (PIP), medical payments (MedPay), collision, and comprehensive coverage.

Other benefits include 24/7 roadside assistance and rental car reimbursement.

If you're a homeowner, you may be eligible for a homeowner discount, which can help lower your premium.

Metromile also offers a multi car discount for policyholders who insure more than one car with them.

Some discounts differ by state, so it's worth checking what's available in your area.

You can also get a good driver discount for avoiding traffic violations and accidents.

Metromile's discounts include:

Note that Metromile does not insure drivers who use their cars for popular ridesharing or delivery services like Postmates, Uber, or Lyft.

Metromile's unique approach to car insurance is built around its innovative features. Founded in 2011, Metromile has been revolutionizing the way people think about car insurance.

One of the standout features of Metromile is its use of AI to decide on some claims instantly. This means that in many cases, you won't have to deal with a lengthy claims process. The Metromile Pulse sensor tracks your miles, and the AVA system uses data from the vehicle to assess claims and accidents.

Metromile charges customers a base rate plus pay-per-mile, making it a more affordable option for those who don't drive much. The average customer saves around $600 per year with Metromile.

Here are some of the key features that make Metromile stand out:

Metromile also offers a range of coverages and discounts, including a unique feature: $1,000 of pet injury coverage if you purchase collision and comprehensive coverage. This is a great option for pet owners who want to make sure their furry friends are protected.

The Metromile Pulse device is a small wireless device that plugs into your car's diagnostic port, allowing Metromile to track your miles. It's free, and it comes in handy for more than just tracking your driving habits.

The Pulse device monitors and adjusts rates based on driving behavior in certain states, including Arizona, Illinois, Oregon, and Virginia. In these states, Metromile takes into account your driving habits when calculating rates, specifically looking at which days of the week you drive, what times of day you drive, and your average speed while driving.

The Pulse device also integrates with the Metromile smartphone app to provide additional features. Some of these features include tracking your driving routes, helping you find your car if you forget where you parked, and alerting you to certain issues with your vehicle through error code detection.

Here are some of the additional features the Pulse device offers, broken down into categories:

Overall, the Metromile Pulse device is a convenient and useful tool that provides valuable insights into your driving habits and helps you stay on top of your vehicle's maintenance needs.

Metromile car insurance has its advantages and disadvantages. One of the main pros is that it offers a pay-per-mile pricing model, which can be beneficial for low-mileage drivers.

This pricing model can save drivers a significant amount of money on their car insurance premiums. Metromile also offers a usage-based insurance program that tracks driving habits and rewards safe driving.

Another benefit of Metromile car insurance is that it provides 24/7 roadside assistance, which can be a lifesaver in case of an emergency. This service is included with every policy.

However, one of the cons of Metromile car insurance is that it may not be the best option for high-mileage drivers, as the pay-per-mile model can add up quickly. Additionally, some drivers may find the usage-based insurance program intrusive or annoying.

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Metromile's customer experience has been generally positive, with a 3.5+ star rating on most major review sites.

Some customers have reported saving hundreds of dollars a year, especially those who drive low mileage, like retired drivers who can enjoy lower rates.

However, there have been reports of major statewide increases in states like California, which can wipe out savings and even lead to higher rates than before.

Overall, the majority of customers have had a good experience with Metromile, citing ease of payment setup and helpful customer service agents.

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Customer reviews are a great way to gauge the overall satisfaction of customers with a particular product or service, and Metromile car insurance is no exception. The majority of Metromile reviews are positive, with a 3.5+ star rating on most major review sites.

Some customers have reported significant savings with Metromile, particularly low-mileage drivers who can enjoy lower rates. For example, one customer, Nancy, saved several hundred dollars a year after switching to Metromile.

However, not all customers have had a positive experience. Some have complained about major statewide increases in states like California, which were passed onto customers. This can be frustrating, especially if the increases wipe out the savings that initially lured them to Metromile.

In fact, Metromile's rating from the National Association of Insurance Commissioners (NAIC) is 9.99, indicating more customer complaints than the average insurer its size. This suggests that some customers may have had issues with their experience.

Here's a breakdown of Metromile's ratings from various sources:

It's worth noting that Metromile's website and customer service have received positive reviews, with some customers finding the payment setup and website navigation to be easy and streamlined.

Customer Service can be a major concern for drivers looking for a reliable insurance provider. Metromile, in particular, has received more than five times as many complaints as expected for an insurer of its size.

Delays and denials of claims are common issues customers face. The company's 24-hour claims processing center is convenient, but it's not enough to offset these problems.

Cancellation and billing issues also plague some customers. If you're looking to save money, Metromile might seem like a good option, but it's essential to weigh the costs against the potential headaches.

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If you're considering pay-per-mile insurance in Illinois, you have several options to choose from. Allstate, Metromile, Nationwide, and USAA are notable companies offering this type of insurance in the state.

Pay-per-mile insurance can be a good fit for certain types of drivers, such as retirees, remote workers, and students who walk to class, as they tend to use their cars infrequently. This type of insurance can also be beneficial for individuals or families with an extra car that is rarely used.

For a better understanding of your options, here are some notable pay-per-mile insurance companies in Illinois:

Cost Comparison is a crucial aspect of choosing the right insurance provider. The rates can vary significantly between Metromile and its competitors.

Metromile's rates are based on the number of miles you drive, with three mileage brackets: 5,000-7,500 miles, 7,600-10,000 miles, and 12,500-16,000 miles. This approach can be beneficial for low-mileage drivers.

Here's a comparison of Metromile's rates with those of Progressive, State Farm, and Allstate:

Metromile's rates are generally lower than those of its competitors, especially for lower mileage drivers. However, it's essential to consider your individual driving habits and needs before making a decision.

A handful of top insurance companies now offer pay-per-mile insurance options, including the Allstate Milewise, Nationwide SmartMiles and Liberty Mutual ByMile programs.

Some notable pay-per-mile insurance companies in Illinois, such as Allstate, Metromile, Nationwide, and USAA, offer this type of coverage.

Geico does not have a pay-per-mile plan, but it does offer a usage-based discount on its traditional insurance plans through its DriveEasy plug-in device.

In Illinois, retirees, remote workers, and students who walk to class can benefit from pay-per-mile insurance, as can individuals or families with an extra car that is rarely used.

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Metromile Illinois is a pay-per-mile car insurance company that makes it easy to get started with their service.

First, you'll need to check if Metromile is available in your area, which is the entire state of Illinois, making it a convenient option.

To get started, you'll need to download the Metromile app, which is available for both iOS and Android devices.

Metromile's innovative technology uses a small device plugged into your car's OBD-II port to track your miles.

This device is small and easy to install, and Metromile provides a comprehensive guide to help you set it up.

You'll also need to provide some basic information about yourself and your vehicle, which can be done through the app.

Metromile's rates are competitive, with discounts available for safe driving and low-mileage drivers.

By signing up for Metromile, you'll be able to start tracking your miles and getting a more accurate picture of your insurance costs.

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