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Milewise by Allstate
Milewise by Allstate is a pay-per-mile car insurance program offered by Allstate Insurance in the United States. It’s designed for drivers who don’t drive frequently and want to save money by paying based on the actual miles they drive rather than a fixed premium.
What Is Milewise?
Milewise is a usage-based car insurance option that combines a daily base rate with a per-mile rate. Drivers install a small telematics device or use a connected app that tracks their mileage. At the end of each billing period, Allstate calculates the total cost based on the number of miles driven.
This model benefits low-mileage drivers, such as remote workers, retirees, and city residents who only use their cars occasionally.
How Milewise Works
Milewise tracks how much you drive and bills you accordingly. Here’s how the pricing structure typically works:
Daily Base Rate: A small flat rate charged per day, even if you don’t drive.
Per-Mile Rate: An additional cost per mile driven, recorded by the connected device.
For example, if your base rate is $1.50 per day and your mileage rate is $0.06 per mile, a day with 20 miles driven would cost:
$1.50 + (20 × $0.06) = $2.70 total for the day.
You can monitor your mileage, trips, and estimated costs through the Allstate Mobile app.
Who Benefits from Milewise
Milewise is best suited for:
Drivers who use their cars infrequently (less than 8,000–10,000 miles per year)
Remote or hybrid workers who commute less often
City dwellers who rely on public transportation most days
Households with multiple cars but only one vehicle in regular use
Drivers who log high annual mileage may not save money with Milewise compared to a traditional Allstate auto policy.
Why Mileage Tracking Still Matters
Even though Milewise automatically tracks miles for billing, it’s different from IRS mileage tracking used for tax deductions or business reimbursements.
If you’re a self-employed professional or use your personal car for work, you’ll still need a dedicated mileage tracker app like MileageWise to log business trips separately from personal miles. These logs can help you:
Claim mileage tax deductions
Prepare IRS-compliant mileage reports
Ensure accuracy if you ever face an IRS audit
FAQ
No. Milewise is available in select U.S. states. Availability depends on local insurance regulations. Drivers can check eligibility through Allstate’s website or a local Allstate agent.
Milewise uses a plug-in device or mobile app that records miles driven. The device connects to your car’s onboard diagnostics port (OBD-II) and sends mileage data securely to Allstate.
Milewise is intended for personal-use vehicles. Businesses that need mileage tracking for reimbursements or IRS reporting should use a dedicated mileage tracker app like MileageWise for accurate and compliant records.
Try MileageWise for free for 14 days. No credit card required!
Automatic Mileage Tracker App
