Pay-as-you-go car insurance policies can save money for drivers who tend to drive fewer miles each month, but require commitment from policyholders in terms of monitoring driving habits closely and regularly reevaluating coverage needs.

Metromile, Mile Auto, Allstate SmartMiles and Nationwide SmartMiles all provide mileage insurance plans that require drivers to connect a telematics device or download an app to track mileage.

Hugo

Hugo is an open source static site generator (SSG) written in Go, that produces fully functional websites quickly, extensibly and with built-in features to assist in its creation. Fast, extensible and with built-in features to help build robust sites without external libraries or frameworks being necessary, Hugo makes an excellent choice for hosting on GitHub Pages which offers free website access with SSL certificate support and custom domains. Sites created using Hugo use content files with front matter written either YAML or TOML front matter files which enable metadata attachment while building time processes the data which processes into an output website while using simple template language as part of their creation.

Hugo car insurance is available in 13 states and offers three plans – Flex, Unlimited Basic and Unlimited Full. Their advertising boasts their “revolutionary on-demand model,” where drivers can turn on or off coverage as needed allowing them to pay only for what they use.

Hugo makes getting an insurance quote simple by entering your driving record and vehicle data onto their online form. They require driver’s license numbers, addresses, as well as make, year and VIN information on any vehicles being insured through them. They also ask for, but don’t require, social security numbers from customers; although quoting and purchasing insurance through Hugo are online processes; customers can manage policies, make payments and access policy documents and proof of insurance all at the same time!

Metromile

Metromile uses a telematics device that plugs into your car’s diagnostic port to track miles and other data. Each month, they’ll send you a bill outlining per-mile charges and base rate charges; as well as any discounts such as safe driving discounts that could add up to significant savings.

Compare rates between competitors. Their base rates for drivers with excellent credit can be lower. In addition to liability, comprehensive, and collision coverage options as well as roadside assistance and rental car coverage they also provide roadside assistance and rental car coverage.

Their low-mileage discount can save you over $80 annually – providing that your driving is under 10,000 miles, only paying the monthly base rate and no cell phone usage while driving (safer driving discounts may also apply). In addition, this company does not charge for miles driven over 250 per day (150 in New Jersey).

This company provides a mobile app to track mileage and manage policies, file claims and make payments through it. While some users report slow processing times for claims filing and submissions, others have had positive experiences. Furthermore, recently Lemonade and Uber merged and will eventually be available in more states.

Travelers

Travelers is one of the leading auto insurers in America. Since 1898, they have provided comprehensive solutions that protect businesses, government units, associations and individuals against various risks. Their main three segments include business insurance; bond & specialty insurance and personal coverage – so their name really does speak for itself!

Travelers offers numerous features that can help drivers save money on car insurance premiums, including IntelliDrive which reduces premium rates by encouraging safe driving habits and gap insurance which covers any difference between a vehicle’s market value and loan balance. Finally, its roadside assistance program provides 24/7 emergency service with free towing for covered vehicles.

This company boasts an impressive history of innovation and expansion, offering products such as travel insurance and mortgages. Their diverse workforce is critical to their success; the organization strives to encourage workplace diversity. Furthermore, the firm uses an innovative revenue model that ensures stability and competitive pricing as part of its mission statement.

While Travelers didn’t fare as well in our 2024 Bankrate car insurance comparison, they do boast excellent customer service and affordable rates. Plus they provide discounts for safe drivers and loyal policy holders as well as savings through home and other policy bundles.

State Farm

State Farm is well-regarded among insurers due to its generous coverage and discounts, with few complaints received relative to large competitors. State Farm also provides home and auto policies, life and retirement planning products and more.

State Farm car insurance offers competitive rates and an easy online experience, making payments, starting or tracking claims, managing policies through their app, as well as roadside assistance and rental car reimbursement a must for most drivers.

State Farm enjoys a solid reputation for customer service, but there are areas in which they could improve. A 2024 J.D. Power study placed them second for ease of service among major car insurers at 1.22 out of 5, yet most complaints that State Farm receives are related to other product lines such as homeowners or renters policies.

State Farm offers full coverage auto insurance at an average annual rate of around $1,032. This rate covers liability, collision and comprehensive policies in their entirety as well as any additional coverage needed by drivers in their state. In addition, State Farm also offers discounts such as their Drive Safe & Save program which rewards safe drivers with savings; Steer Clear provides discounts to new drivers or those without at-fault accidents or moving violations over three years