Mileage-based car insurance: who’s using it and which company do you like?

hiking566 · 2026-01-11T07:01:24Z

Curious how many folks here have switched to those pay-as-you-drive insurance plans. I’ve been thinking about it since I barely drive during the week (WFH perks, you know?). I keep seeing ads for Metromile, Root, and Allstate Milewise, but honestly, I can’t tell if they’re all the same or if one’s actually better. Quick poll—if you use a usage-based or mileage-based car insurance, which provider did you pick? And why? Was it cheaper, or did you just want to try something new? Or maybe you tried it and switched back to regular insurance? I’m kinda nervous about the tracking thing, but the savings sound tempting. Anyone regret making the switch, or is it mostly positive?

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Usage-Based Insurance (UBI)

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donald_shadow7414

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I get the appeal of saving a few bucks if you barely drive, but I can’t help but feel uneasy about all this data collection. I mean, my ‘72 Chevelle isn’t exactly “telematics-friendly” anyway, but even in my daily driver, I’d be worried about a random hard brake in traffic getting flagged. Have any of you actually seen your rates go up because of some weird driving event, or is it mostly just city paranoia?

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Mileage-based car insurance: who’s using it and which company do you like?

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