How Much Does Mile Auto Car Insurance Cost?

Choosing a car insurance provider requires careful consideration. If you're evaluating Mile Auto, understanding its rate structure will help you determine if it's your best option. However, we recommend comparing quotes from several providers to ensure you're getting the best value and maximizing your savings on car insurance.

Mile Auto car insurance pricing per month

Mile Auto charges an average of $123 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $74.

Keep in mind these are average figures. Your individual rate depends on multiple factors including age, location, credit score, and driving history. While your actual Mile Auto rate may differ from these averages, they provide a useful benchmark for comparing different providers.

	Mile Auto average monthly cost	National average monthly cost
Full coverage	$123	$186
Liability-only	$74	$104

Mile Auto's rates versus other car insurance providers

Each company uses different methods to evaluate risk and offer discounts, which affects pricing. Comparing quotes helps you understand how Mile Auto's rates match up against other insurers for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$59
Progressive	$177	$101
GEICO	$150	$92
Allstate	$150	$79
USAA	$106	$56
Mile Auto	$123	$74

Mile Auto's rates by age

Age plays a significant role in Mile Auto's pricing structure, similar to most insurance companies. Car insurance for teen drivers comes with the highest costs, averaging $282 per month for full coverage.

Premiums typically decrease as you enter your 20s, with Mile Auto averaging $165. Rates keep falling through your 30s at an average of $125 and your 40s at $114.

The lowest rates often go to drivers in their 50s and 60s, with monthly averages of $97 and $88, respectively.

Rates may increase again once you reach your 70s, averaging around $97 per month. This pattern demonstrates how insurers calculate risk across different life stages.

Age group	Mile Auto average monthly full coverage cost	National average monthly cost
Teens	$282	$359
20s	$165	$242
30s	$125	$199
40s	$114	$191
50s	$97	$177
60s	$88	$159
70s	$97	$163

Mile Auto's rates for high-risk drivers

A record that includes traffic violations or accidents typically results in higher Mile Auto rates. High-risk drivers with a speeding ticket on their record pay around $146 per month on average, while an at-fault accident raises monthly costs to approximately $168.

Drivers with a DUI face substantially higher premiums, averaging $181 per month. While these numbers reflect typical high-risk pricing, your actual rate will vary based on the incident's recency and your other rating factors.

Driving record	Mile Auto average monthly full coverage cost	National average monthly cost
Accident	$168	$248
Speeding ticket	$146	$242
DUI	$181	$274

How does your credit score affect your rate with Mile Auto?

Most states allow insurers to factor credit scores into rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit scoring applies, Mile Auto adjusts premiums according to your credit tier. Excellent credit earns you an average monthly rate of $100, while good credit brings rates to about $120.

Drivers with average credit see monthly costs around $129, and poor credit typically results in premiums near $150 per month.

These figures show how significantly credit can impact your premium, though your final rate also depends on other individual factors.

Credit score	Mile Auto average monthly cost of full coverage	National average monthly cost
Excellent	$100	$163
Good	$120	$180
Average	$129	$194
Poor	$150	$227

FAQs

Is Mile Auto coverage available nationwide?

Mile Auto only operates in eight states: Arizona, Colorado, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. Although this limited availability makes it less accessible than major carriers, on their website it says they plan to expand to other states in the future.

How does Mile Auto's pay-per-mile pricing actually work?

Mile Auto calculates your insurance cost using a two-part system: you pay a fixed monthly base rate plus six to eight cents for every mile you drive. Your total bill is determined by submitting odometer photos each month rather than through GPS tracking or telematics devices. This means your premium fluctuates based on actual usage, making it ideal for drivers who log fewer than ten thousand miles annually.

Does Mile Auto require installing tracking devices in my vehicle?

Mile Auto uses a photo-verification system called MVerity instead of plug-in telematics devices or smartphone apps that continuously monitor your location. Each month, you receive text and email reminders with links that open your phone's camera to photograph your odometer. This approach aims to offer more privacy than competitors using GPS tracking but requires you to remember the monthly submission.

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Bottom line

Wondering if Mile Auto is the best car insurance company for your needs? Get quotes from Mile Auto and several competitors, then compare them on both price and service quality.

Data throughout provided by Insurify.

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