Allstate Milewise: Complete Guide & Review (2024)
Milewise with Allstate allows people who drive less than 13,000 miles a year to save money with pay-per-mile coverage.
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Kristen Gryglik
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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Feb 9, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Milewise may be a good option for low-mileage drivers
- Rates for coverage with Milewise are often lower than the national average for people who don’t drive very far
- If you drive more than 13,500 miles per year, Milewise may not be the best option for you
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.
Before you choose Allstate as your insurance provider, it’s a good idea to find and compare car insurance quotes from several providers in your area. First, read our guide to learn more about Allstate Milewise, then compare free insurance quotes from the best insurance companies in your neighborhood to see which insurer can really save you money.
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.
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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.
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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.
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.
Frequently Asked Questions
What is Allstate Milewise?
Allstate Milewise is a usage-based insurance program that bases your car insurance rates on the miles you drive. It’s designed for people who don’t drive much and want to save money on their car insurance.
How does Allstate Milewise work?
Allstate Milewise tracks your mileage using a small device that plugs into your car’s OBD-II port. The device records your mileage and sends it to Allstate. You’ll be charged a base rate plus a per-mile rate for the miles you drive.
How do I enroll in Allstate Milewise?
You can enroll in Allstate Milewise online or through your Allstate agent. You’ll need to provide information about your vehicle and your driving habits.
Is Allstate Milewise right for me?
Allstate Milewise is a good option for people who don’t drive much and want to save money on their car insurance. If you drive a lot, you may not save as much with Milewise.
How much can I save with Allstate Milewise?
Your savings with Allstate Milewise will depend on how much you drive. If you don’t drive much, you could save up to 50% on your car insurance.
Is Allstate Milewise available in all states?
Allstate Milewise is available in most states, but it’s not available in all states. Contact your Allstate agent to find out if Milewise is available in your state.
Can I switch to Allstate Milewise if I already have Allstate insurance?
Yes, you can switch to Allstate Milewise if you already have Allstate insurance. Contact your Allstate agent to make the switch.
How do I know if I’m a good candidate for Allstate Milewise?
If you don’t drive much, you’re a good candidate for Allstate Milewise. Milewise is also a good option if you’re looking for a way to save money on your car insurance.
Are there any downsides to Allstate Milewise?
The main downside to Allstate Milewise is that if you drive a lot, you may not save as much with Milewise. Additionally, some drivers may not like the idea of having their driving tracked.
What happens if I drive more miles than I expected with Allstate Milewise?
If you drive more miles than you expected with Allstate Milewise, you’ll be charged a higher rate for those miles. However, you won’t be penalized for going over your estimated mileage.
Can I cancel Allstate Milewise at any time?
Yes, you can cancel Allstate Milewise at any time without penalty. However, if you cancel, you’ll be switched back to your previous insurance plan, which may have a different rate.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.