This Pay-Per-Mile Car Insurance Company Offers Plans Starting at $29/Month


Just because you have a car doesn’t mean you have to jump in and rev it up every time you need a snack or have to run to the post office.

You might choose to walk, run or bike — especially if you live in an urban area. Maybe you’re a bit of a health nut, and you like to get your steps in. Or you want to reduce your carbon footprint. Maybe it’s just faster (and cheaper) than finding parking.

Whatever your reason, driving less could save you some serious money on car insurance.

If you drive less than about 2,500 miles per year, you could get car insurance for as little as $29 per month with a pay-per-mile car insurance company.

Drive Less to Pay Less for Car Insurance

If you don’t drive a lot, it’s worth checking out Metromile, an insurer that lets you pay by the mile.

If you aren’t spending much time in the driver’s seat, you shouldn’t have to pay much. For example, if you only drive 5,000 miles per year, you could save $611, according to Metromile’s calculations.

Approximately 65% of drivers overpay on car insurance to balance out those who drive a lot, according to Metromile. Its pay-per-mile system is ideal for people who drive less than 30 miles per day, or about 200 miles a week.

A few things to keep in mind:

  • Your car must be a 1996 or newer to qualify.
  • After signing up, the company will mail you a free device that plugs into your car and tracks mileage (that’s how it saves you money!).

Find out whether it’ll help you save by snagging a free quote. If you don’t drive much, this is a slam dunk. It could also be just the nudge you need to drive a little less and use your own legs a little more.

Plus, think how sweet your calves are gonna look when you do some more walking and biking. Totally worth it.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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