Allstate Milewise® Auto Insurance Review [UBI Auto Insurance]

Our Allstate Milewise® review indicates that, in states where Allstate's pay-per-mile car insurance program is offered, Milewise® can cost as little as $20/month. Milewise® combines a base rate with a per-mile car insurance rate to offer auto coverage by the mile. Allstate Milewise® quotes are very different from traditional policies.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 8, 2021

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A Concise Overview

  • When using Allstate Milewise®, you pay a daily rate plus a per-mile rate for your daily mileage.
  • You can monitor your Allstate Milewise® data with the Allstate Milewise® Mobile App.
  • Allstate Milewise® is a pay-per-mile program for drivers who don’t drive their vehicles often but need to make sure they’re protected.

In our Allstate Milewise® review, we will go into detail to help you find out if this is the program for you.

Allstate Milewise® is a pay-per-mile insurance system. According to reviews, in states that offer the program, Milewise® can cost $20 monthly while average monthly rates are $393. The review below will contain more information on this type of auto insurance.

You can spend about $2.00 per day on your rates if you enroll in the pay-per-mile program. Mile rates are generally pretty low and that makes this type of coverage a great option for someone who doesn’t go many miles per day.

This review will talk about how insurance rates are based on factors that determine coverages offered, and how to buy a policy that’s a little different from the standard. Read on to learn more about this usage-based insurance plan.

Before you dig in, enter your ZIP code in the free comparison tool above to start comparing auto insurance rates in your local area with your Allstate auto quote.

What is Allstate Milewise®?

Allstate Milewise® is a true pay-per-mile insurance system. Once you enroll in Allstate Milewise®, you can pay a daily rate plus a per-mile rate for the miles you drive.

For example, your daily base rate could be $3.25 and your per-mile rate could be 8 cents. If you drive for five miles, you’ll pay $3.25 plus 40 cents for the mile charge, which adds up to a total of $3.65 for an auto policy using Allstate Milewise®.

Once your account reaches its minimum balance, Allstate Milewise® credits your account by automatically charging the credit card or debit card on file.

Also, according to the National Institutes of Health, driving your vehicle fewer miles can save you money and decrease your risk for an accident. The less time you are behind the wheel, the less chance you have of getting into an accident.

You can monitor your Allstate Milewise® program by using the Allstate Milewise® Mobile App. Pay-per-mile programs like Milewise® use a mobile app and a device that tracks your driving habits and mileage.

According to the National Association of Insurance Commissioners (NAIC), these tracking devices that determine car insurance rates by the mile are known as telematics.

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How do you use Allstate Milewise®?

There are two parts to Milewise®; this means the app and in-car device that plugs into your car’s onboard diagnostic port.

First, you install the device that tracks your driving. You then download the Milewise® app that lets you stay on top of your charges per mile and tracks how much you are driving.

What is Allstate Milewise® availability by state?

Allstate Milewise® is available in 16 states and Washington D.C.:

  • Washington
  • Oregon
  • Arizona
  • Texas
  • Illinois
  • Indiana
  • Ohio
  • West Virginia
  • Virginia
  • Maryland
  • Delaware
  • Massachusetts
  • New Jersey
  • Pennsylvania
  • Florida
  • Idaho
  • Washington D.C.

Your premiums will vary by factors that determine auto insurance, which we’ll cover in the following section. You should expect to see your insurance cost go up when you need an SR-22.

Who is a good fit for Allstate Milewise®?

Usage-based car insurance is best for those who don’t drive a lot of miles normally. This could be best for stay-at-home parents, people who work from home, retirees, or drivers who take public transit to work and just drive a few miles on the weekends. If you are more of a homebody, this mile insurance plan setup may be perfect for you to keep your costs down.

If you are an occasional driver, a program like Milewise® could save you hundreds of dollars a year.

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How are Allstate auto insurance rates compared to Milewise®?

Milewise® rates don’t appear to be public, but its average annual rates are. When you sign up and purchase an auto insurance policy, you’ll have an auto insurance rate for the year or half a year (six months) depending on the company.

Allstate auto policies are usually all 12-month policies, which you can pay for every month.

Once you sign up, you can deposit your payment balance and pay your monthly premiums much cheaper. Let’s take a look at Allstate’s annual rates and estimate monthly payments.

Allstate Average Annual and Monthly Auto Insurance Rates by State with Milewise®
States with Allstate Milewise®Allstate Average Annual RatesAllstate Average Monthly Rates
West Virginia$3,821$318
New Jersey$5,714$476
Washington D.C.$6,469$539
Average of all states where Milewise® is available.$4,720$393
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We focused on states that carry the Allstate Milewise® insurance program.

There are many different factors that affect your auto insurance rate. The most important is your driver history, which is what auto insurers will look at when you get a quote. If you have a significant number of tickets or accidents on your driving record, you are considered high-risk. This means the car insurance company will charge you more.

Other factors, like your age, where you live, commute time, and even gender, can also affect your auto insurance rates.

Allstate auto insurance can cost thousands of dollars per year. However, policy discounts can lower your payments by a few hundred dollars.

You can get policy discounts through good credit, a clean driving record, multiple vehicles on one policy, and other conditions that lower auto insurance.

Is Allstate Milewise® cheaper?

If you’re not planning on driving your vehicle much, you can pay as low as $20 per month for insurance. Depending on the vehicle you drive, you may end up paying close to that range through liability-only coverage. In a sense, you’re paying for liability-only coverage based on how much you drive.

Compare quotes to find out if Milewise® is the cheaper option for you.

What does Allstate auto insurance coverage offer?

Now that you know about Milewise®, let’s take a look at what Allstate can offer you in terms of coverage and discounts. Keep reading to learn more about what Allstate can provide.

What auto insurance coverages does Allstate offer?

Allstate has 10 auto insurance coverages that you can choose from. They are:

  • Collision coverage
  • Comprehensive coverage
  • Liability coverage
  • Medical payments coverage
  • Uninsured & underinsured motorist coverage
  • Sound system insurance
  • Roadside Assistance
  • Personal injury protection
  • Personal umbrella policy
  • Rental reimbursement coverage

Each coverage carries its annual rate, but these coverages may not be available under Allstate Milewise® pay-per-mile car insurance. We can narrow down the cost of essential coverage to the states that have Allstate Milewise® insurance.

Essential coverages are liability, collision, and comprehensive. Liability is the state minimum requirement, while collision and comprehensive insurance coverages are requirements some lenders and finance companies require you to have when you lease or finance a vehicle.

Let’s look at average auto insurance rates based on coverages.

Average Monthly Auto Insurance Rates by States with Allstate Milewise® by Coverage Type
States with Allstate Milewise®Monthly Liability RatesMonthly Collision RatesMonthly Comprehensive Rates
West Virginia$42$28$17
Washington D.C.$55$39$19
New Jersey$75$32$11
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According to the NAIC, coverage rates are part of a total auto insurance policy. When factors like credit, driving record, and age are factored in, these rates decrease or increase depending on the auto insurance measure of risk.

What auto insurance discounts does Allstate offer?

Auto insurance discounts are an excellent way to bring down your rates and still get the coverage you want.

These are some of the discounts you can see from Allstate:

  • Multi-policy
  • Good student
  • Early signing
  • New vehicle
  • Paid in full

Make sure you ask what discounts are available to you and bundle as many as you can. This can make a huge difference in your rates.

What’s the bottom line?

This is a pay-per-mile usage-based insurance option for drivers who don’t plan on driving their vehicles as many miles as others.

According to the Federal Transit Administration, you can decrease the demand for travel if you use public transportation.

It’s a good auto insurance option if you use public transportation regularly and only drive your car on the weekend, which will help you get affordable rates.

Milewise® reviews your driving and the number of miles driven on average to give you an insurance rate. Before you buy Allstate Milewise® pay-per-mile auto insurance, it’s a good idea to shop around. Compare rates from different companies in your local area by entering your ZIP code in our free comparison tool below.

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Frequently Asked Questions: Allstate Milewise® Pay-Per-Mile Auto Insurance

For the final section of this Allstate Milewise® pay-per-mile car insurance review, we’ll explore commonly asked questions about the program.

#1 – Is Allstate Drivewise® a good idea?

If you want to lower Allstate auto insurance rates, you should consider using Allstate Drivewise®. Allstate Drivewise® is reviewed constantly on Reddit. See what others are saying.

#2 – Is Allstate good at paying claims?

It depends. Each company goes through a few methods and channels before it pays a claim. How timely the payout depends on the customer, the agent, and the company policy.

#3 – Which is better: Allstate or GEICO Pay Per Mile?

That’s up to the customer. GEICO is cheaper than Allstate as a general rule but doesn’t have pay-per-mile care insurance. Esurance pay-per-mile auto insurance and Progressive pay-per-mile car insurance currently don’t exist either, although they do have a form of usage-based insurance.

#4 – Does Allstate give you a check for safe driving?

Yes. Allstate has a program called the Allstate Safe Driving Bonus, where you’ll get a bonus (check) every six months you don’t have an accident.

#5 – Where can I find Metromile Reviews?

Metromile reviews are all over the internet. We mention Metromile in one of our guides that talks about the future of auto insurance.

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