How to Cancel Your Metromile Insurance Policy

Metromile is a pay-per-mile insurance company that charges drivers based on how many miles they drive each month. This innovative model can save occasional drivers money compared to traditional car insurance. However, as your driving habits change, you may decide Metromile is no longer the right fit. Canceling your Metromile insurance policy is easy if you know the steps.

In this comprehensive guide, we’ll explain:

  • How Metromile’s pay-per-mile insurance works
  • When you may want to cancel Metromile
  • How to cancel Metromile insurance
  • Alternatives to canceling
  • What happens after cancellation
  • FAQs about canceling Metromile

Overview of Metromile Insurance

Metromile is best suited for drivers who don’t rack up a lot of miles. Here’s a quick rundown of how it works:

  • Base rate: This covers your minimum insurance needs, like state required liability coverage. The base rate varies by driver.

  • Per-mile rate: You pay a per-mile rate for each mile driven, usually between $0.05 – $0.25 per mile.

  • Monthly max: Metromile caps miles at a maximum amount per month, typically 150-200 miles per month.

  • Metromile Pulse: This is a wireless device installed in your car to track mileage. Miles are reported to Metromile to calculate your bill.

  • Potential savings: Occasional drivers can save hundreds per year with Metromile compared to old-fashioned insurance.

When to Consider Canceling Metromile

For some drivers, Metromile insurance ends up costing more than expected. Here are some common reasons you may want to cancel your Metromile policy:

  • You drive more miles than estimated. The pay-per-mile model only saves money if you drive minimal miles. If your driving habits change and you start exceeding your monthly mileage limit regularly, your costs can skyrocket.

  • Your base rate increases at renewal. Metromile can raise your base rate at renewal time, leading to higher bills even if your driving is the same.

  • You find cheaper car insurance. Other insurers may offer you a better rate than Metromile, especially if you qualify for discounts.

  • You have privacy concerns. The Metromile Pulse transmits your driving data back to the company. If you’re uncomfortable with this level of monitoring, cancelling is the only option.

  • You move out of a Metromile state. Metromile only operates in select states. If you relocate somewhere they don’t cover, you’ll need to switch providers.

If Metromile no longer makes financial sense or aligns with your priorities, cancelling is likely the right move.

How to Cancel Metromile Car Insurance

Cancelling with Metromile is easy and only takes a few minutes. Here are your options for canceling your policy:

Cancel Metromile by Phone

Calling Metromile is the quickest way to cancel. Reach out to their claims service line:

Metromile Claims Service Line: (888) 595-5485

A representative can process your cancellation request during the call. They will confirm details like:

  • Policyholder name
  • Policy number
  • Requested cancellation date
  • Reason for canceling

Advise the rep if you need proof of cancellation or have other requests. Phone cancellations take effect immediately once processed.

Cancel Metromile Online

You can also cancel your Metromile insurance through their online account portal:

  1. Log into your Metromile account.

  2. Click your profile icon and select “Account Settings”.

  3. Choose “Cancel Policy” under the Policy section.

  4. Review the cancellation details and click “Cancel Policy”.

Online cancellations are processed at the end of the current billing period. To cancel immediately, call Metromile instead.

Cancel in Person

Visit a local Metromile Insurance office in person if you prefer to speak with someone face-to-face. Find a location near you through their office locator. An agent can cancel the policy on the spot.

Provide Additional Details

Depending on your situation, Metromile may request extra details to finalize the cancellation:

  • Selling your car? Provide a copy of the bill of sale or transfer of title paperwork.

  • Replacing your vehicle? Share details on the new car so Metromile can remove coverage from the old car.

  • Have a new insurance policy? Metromile may ask for this documentation to confirm you’ll be continuous insured after the cancellation.

Providing complete information ensures a smooth cancellation process.

Alternatives to Canceling Metromile

Canceling your insurance policy may not always be mandatory. Here are some alternatives to cancelling Metromile to consider first:

Adjust Your Monthly Mileage Limit

If you’re going over your miles each month, ask Metromile to increase your monthly max mileage allotment. This avoids overage charges while keeping your per-mile rate low.

Remove Unnecessary Coverage

Eliminate extra products like roadside assistance or rental reimbursement to pare down your base rate.

Increase Your Deductibles

Opt for higher deductibles on collision and comprehensive to reduce your base rate. Just be sure you have savings to cover the deductible costs in case of a claim.

Bundle Home or Renters Insurance

Metromile offers discounts when you bundle multiple policies. Adding renters or homeowners insurance from Metromile may score you a lower rate.

Modify Your Driving Habits

Try consolidating trips, taking public transit, carpooling, or avoiding peak hours to cut down on driving. This keeps your per-mile charges lower.

If none of those options significantly drops your costs, then canceling Metromile likely makes sense.

What Happens After You Cancel Metromile Insurance?

Here’s what to expect after processing your Metromile cancellation:

  • Coverage terminates: Your Metromile insurance ends on the cancellation date you selected.

  • Remaining premium refunded: Metromile will calculate any unused premium you already paid and refund that amount.

  • Metromile Pulse deactivated: The pay-per-mile device in your car will deactivate and stop transmitting mileage data.

  • Proof of cancellation: Metromile will send you confirmation of the cancellation and proof for your records.

  • New insurance required: Make sure to have a new insurance policy in place effective the date your Metromile policy terminates. Driving uninsured is illegal.

  • No cancellation fees: Metromile does not charge fees for policy cancellation.

After your policy ends, update your proof of insurance and remove the Metromile Pulse from your car when possible.

Frequently Asked Questions About Canceling Metromile

Here are answers to some common questions about canceling a Metromile insurance policy:

How long does it take Metromile to cancel my policy?

Cancellations by phone take effect immediately. Online cancellations process at the end of your current billing period.

Can I backdate my Metromile cancellation?

No, Metromile does not allow backdating cancellations to an earlier date. The cancellation date will be effective as of the date you contacted Metromile.

Will canceling Metromile impact my insurance score?

Yes, cancelling may negatively impact your insurance score. Try to avoid gaps in coverage and shop for a new insurer before your Metromile policy ends.

Will my unused premium be prorated?

Yes, Metromile will calculate any unused premium for the time remaining in your policy period and refund that amount.

Does Metromile charge a cancellation fee?

No, Metromile does not charge any fees when you cancel your insurance policy.

Can I cancel by email or mail?

No, Metromile requires cancellation requests be made by phone, online, or in person. Mailed or emailed requests cannot be processed.

Finding Alternate Car Insurance After Metromile

Shop around before your Metromile coverage ends to find competitive rates. Here are some top auto insurers to consider:

  • Geico
  • Progressive
  • State Farm
  • Allstate
  • The Hartford
  • Travelers
  • Nationwide
  • USAA (for military families)

Work with an independent insurance agent to compare quotes across multiple carriers. An agent can also provide guidance to ensure seamless transition of coverage.

Prioritize insurers that offer discounts you may qualify for, including:

  • Good driver
  • Defensive driver
  • Good student
  • Multi-policy
  • Safe vehicle
  • Usage-based

Cancel Metromile Without a Gap in Coverage

Metromile’s pay-per-mile model seems innovative, but it has downsides for some drivers. If your mileage or rates are no longer cost-effective, cancelling your Metromile insurance makes sense. Just follow the

How Metromile Pay-Per-Mile Insurance Works


How do I close my Metromile account?

Cancel by phone by calling your agent or 1-888-595-5485. Cancel in person by visiting your nearest Metromile Insurance office and speaking with an agent.

How do I cancel my insurance immediately?

Depending on your insurance company’s rules, there are a variety of ways to cancel your policy. Call your provider. Most major companies simply ask that policyholders speak with an insurance agent to cancel. The phone number likely will be found on your insurance card, as well as on the company’s website or app.

How do I cancel my existing insurance?

Inform the support team of your health insurer of your desire to end the health insurance policy. Send your insurer a written policy cancellation request either online or offline. The written request must contain your policy details and the reason for cancellation.

How do I unsubscribe from car insurance?

Contact your insurer or agent to find the best way to cancel your policy. Some insurance companies permit you to cancel right over the phone or online. Other insurers may require written notification or a signed document.

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