Allstate Milewise: Complete Guide & Review (2024)

Everyone wants to save money on car insurance, but some people purchase coverage for a vehicle they rarely drive. 

If you don’t drive often, Allstate’s Milewise may be a good choice. Milewise is Allstate’s pay-per-mile auto insurance coverage, and the company offers competitive rates to people who drive fewer than 13,500 miles per year. 

You can also read our Allstate auto insurance review for more information. 

What are the pros and cons of a Milewise auto insurance policy?

Some of the pros of a Milewise auto insurance policy include:

• Lower rates on coverage for people who don’t drive very far
• Options for additional car insurance discounts
• Full coverage, roadside assistance, and rental car reimbursement

The downsides of a Milewise car insurance policy include:

• Limited availability in only 21 states 
• Higher rates for specific drivers
• Limited coverage options

It would help to determine what you’re looking for in a car insurance policy before shopping for coverage. This will help you learn whether Milewise would work for you. You should also find the best car insurance companies that sell online when looking for coverage. 

What is Allstate’s Milewise program?

Milewise with Allstate allows people who drive fewer miles to save money on car insurance. Because insurance companies are primarily concerned with risk, you can earn lower rates by driving fewer miles and reducing the risk of getting into an accident. 

Milewise offers standard car insurance coverage options, including:

• Bodily injury liability
• Property damage liability
• Comprehensive
• Collision
• Medical payments
• Personal injury protection
• Uninsured/underinsured motorist

With Milewise, Allstate offers two add-on coverage options — rental reimbursement and roadside assistance. In addition, you can get a full coverage policy with Milewise, and rates are often lower with this usage-based insurance program than with other companies.

However, if you know you need a robust auto insurance policy with a lot of additional coverage, Milewise may not be a good fit for you.

Read more: What do I need to do to cancel my car insurance policy with Allstate?

How does Allstate’s Milewise work? 

If you enroll in Milewise, you will pay a daily rate for auto insurance coverage. In addition, Allstate will install a device in your vehicle that monitors your mileage. This device records how many miles you drive in a day and sends that information directly to Allstate.

You can see the device’s trip information through the Allstate app. If you notice the device is not recording your trips accurately or you see any other discrepancies, notify Allstate to ensure the issue is resolved and doesn’t affect your rates.

Read more: Troubleshooting Why Your Allstate App is Not Working

How do you pay per mile with Allstate Milewise?

With Milewise, you will pay a flat coverage rate plus an additional fee for each mile you drive. These two rates are added together to make the amount you will pay for your policy.

For example, starting with a daily rate of $1.50, you will pay around $45 per month for coverage without driving your car. Then, if you have a rate of $.08 per mile, you will multiply this by the number of miles you drive in a month to see how much extra you’ll pay for coverage. 

Based on these example rates, people who drive 60 miles a week will pay just under $65 per month for car insurance coverage.

How much is Milewise coverage?

Your age, gender, driving history, credit score, and other personal factors will impact your Allstate car insurance rates. However, Allstate Milewise rates also depend on your mileage and where you live. Getting Milewise might help young drivers get better rates when searching for the best auto insurance for young adults. 

Use this table to see how much Allstate auto insurance costs in states where Milewise is available.

If you’re a good driver with a clean driving record, you may find that your rates with Milewise are lower than these rates and pretty competitive. 

It’s vital to shop online and compare Milewise rates with rates from other usage-based insurance companies to see how much you could save on coverage.

Can I get discounts with Milewise?

Milewise allows people who don’t drive very much to save money on car insurance. Still, people enrolled in the Milewise program may be able to save additional money with coverage discounts. 

Some of the most common car insurance discounts include:

• Good student
• New car
• Safety features
• Driver training 
• Multi-car
• Multi-policy

With Milewise, you cannot take advantage of specific options like the Allstate low-mileage discount. Still, discounts can help you save 20% or more on auto insurance coverage. 

Check with an Allstate representative to see whether you qualify for any discounts with Milewise.

Where can I get Milewise coverage?

Unfortunately, Milewise is only available in 21 states:

While Milewise is not available in every state, Milewise is available in more states than its competition, Metromile. As a result, coverage options are pretty similar when you compare Milewise versus Metromile. Read our Metromile car insurance review for more information. 

But Milewise offers more opportunities for discounts on coverage.

Who can get Milewise insurance?

Anyone can apply for Milewise coverage with Allstate, but the program only makes sense for someone who does not drive very much in a week. 

If you drive a good bit for school or work or take long road trips during vacations, Milewise is probably not the best option for you regarding car insurance coverage. 

Does Milewise have good ratings and reviews?

Allstate has an A+ (Superior) financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau (BBB). The company is strong and financially capable, and many customers are happy with the coverage.

Allstate’s Milewise reviews typically cite that rates are higher than those listed on the company’s website and that individuals who drive more than 25 miles a day may want to consider other options for coverage. 

Additionally, Allstate’s Milewise customer complaints mention that the coverage with Milewise is limited. Reviews also state that rates are often cheaper than other providers offering usage-based auto insurance coverage.

If you’re considering purchasing a Milewise car insurance policy, compare rates with other companies to ensure you’re getting the best possible deal. 

Exploring the Benefits and Functionality of Allstate Milewise

Comprehensive Insight into Allstate’s Milewise Program

Milewise Allstate offers a unique pay-as-you-go insurance plan that caters to drivers who don’t spend much time on the road. Allstate Milewise complaints often revolve around the accuracy of the Milewise device used to track mileage, but many users appreciate the transparency of Allstate pay per mile pricing.

When exploring Allstate Milewise reviews, it’s evident that this program has both supporters and detractors. The Allstate Milewise pros and cons suggest that while the program can be cost-effective for low-mileage drivers, it may not be as beneficial for those who drive frequently.

A comprehensive Milewise insurance review highlights the importance of understanding one’s driving habits before opting in. Mile auto insurance reviews often compare this program with traditional options, emphasizing the potential savings. Delving into Milewise Allstate reviews and Milewise customer reviews can provide insight into real user experiences, helping prospective customers make informed decisions.

Understanding the Allstate Milewise Pay-Per-Mile Insurance Program

Allstate’s Milewise Car Insurance: The Bottom Line

If you don’t drive very often, Milewise could be great for you. As a pay-as-you-drive car insurance option, Milewise helps people save money when they are seldom behind the wheel. 

Unfortunately, Milewise is unavailable in every state, and rates are often too high for people driving more than 25 miles in a day. 

Before you decide on car insurance coverage, shop online and compare rates from multiple providers. Doing this will help you determine what you’re looking for and which companies will best meet your needs.