What is pay-per-mile insurance and how much can you save?
Pay-per-mile insurance charges you only for the miles you actually drive, not a flat monthly rate. If you drive less than 10,000 miles per year, you could save 25 to 50 percent compared to traditional insurance.
Many immigrants drive rarely: to work, for appointments, or to visit family. You do not pay for days you stay home. This makes pay-per-mile perfect for your situation.
A small device plugs into your car to track mileage. The company reports miles monthly, and you pay a low base rate plus a per-mile charge (usually 15 to 25 cents per mile).
Do pay-per-mile companies accept ITIN or foreign driver licenses?
Yes, Metromile and Milewise accept ITIN numbers for policy holders. You do not need an SSN. Many immigrants use ITIN to buy insurance legally, and these companies work with ITIN filers regularly.
For driver license: some states (California, New York) allow undocumented immigrants to get licenses. Check your state DMV rules at NCSL state license guide.
If you have a valid foreign license from your home country, some insurers accept it. Always call ahead to confirm before applying.
Which companies offer pay-per-mile insurance?
Metromile and Milewise (part of Allstate) are the two major pay-per-mile insurers in the United States. Both serve most states and accept ITIN applicants.
Availability varies by state and zip code. You must enter your location to get a quote. Neither company requires an SSN to start the online process.
Your information is protected by the Gramm-Leach-Bliley Act. Insurance companies do not share customer data with immigration authorities. Buying insurance is safe and legal.
Is pay-per-mile insurance right for you?
Pay-per-mile works best if you drive fewer than 10,000 miles yearly. If you drive to work every day, traditional insurance is cheaper. Calculate your typical annual miles honestly before choosing.
You need a working phone or internet to track the telematics device. Some companies offer free installation. Read the contract to understand fees if you exceed projected mileage.
Get quotes from both pay-per-mile and standard insurers. Compare total yearly cost, not just per-mile rates. Many sites let you compare instantly without an SSN or credit score.
| 保险公司 | 接受ITIN身份证明 | 基本费用 | 里程费率 | 最适合人群 |
|---|---|---|---|---|
| Metromile | 是 | 每月固定费+里程费 | 每英里约$0.05-$0.10 | 年行驶少于10,000英里 |
| Milewise（Allstate） | 是 | 每月固定费+里程费 | 每英里约$0.05-$0.09 | 不规则驾驶模式 |
| Root Insurance | 是 | 基于驾驶习惯评分 | 可变费率结构 | 安全驾驶者 |
| Smartmile | 需确认 | 每月固定费+里程费 | 竞争性里程费率 | 寻求灵活费用 |
| Nationwide | 是 | 传统+按里程选项 | 每英里约$0.03-$0.08 | 已建立驾驶记录 |
📋 Official Sources
Frequently Asked Questions
Yes. Pay-per-mile insurers like Metromile and Milewise accept ITIN (Individual Taxpayer Identification Number) instead of SSN. You will need a valid driver license and US address to get a quote.
If you drive less than 10000 miles per year, you can save up to 50 percent compared to regular monthly insurance. Rates vary by insurer and state, so get multiple quotes to compare.
Metromile accepts ITIN and does not require SSN. You need a valid driver license, US address, and vehicle registration. The company is not affiliated with immigration enforcement.
You pay a low monthly base fee plus a small amount per mile you drive. A device plugs into your car to track miles, or you report mileage through the app. You only pay for what you actually drive.
Metromile operates in most US states but not all. Milewise (from State Farm) is available in select states. Visit each company website or call to confirm availability in your state.
No. Insurance companies are not immigration enforcement. Your customer data is protected by federal privacy law. Buying insurance does not trigger any report to ICE or any government agency.