Allstate Milewise Review: How Much Can You Save?

Last Updated on January 26, 2026

Allstate offers a pay-per-mile car insurance plan called Milewise. Instead of paying a flat monthly premium no matter how much you drive, Milewise ties part of your bill to your mileage.

Milewise can be a strong fit for low-mileage drivers (work-from-home, retirees, households with a “second car,” etc.). But it’s not a guaranteed win — if you drive a lot, the per-mile charges can outweigh the savings.

Below, we’ll explain how Milewise works, what it tracks, how to estimate savings, and how to decide if it’s worth it for your situation.

Key Takeaways

• Allstate Milewise is pay-per-mile insurance: you typically pay a daily base rate plus a per-mile charge when you drive.
• Milewise tends to work best for low-mileage drivers (work-from-home, retirees, and lightly used second vehicles), but high-mileage drivers may pay more.
• Milewise generally uses a plug-in device (OBD-II) and the Allstate app to track miles and show trip costs; if trips aren’t recorded, a default mileage amount may apply.
• Always compare a Milewise quote to traditional coverage with the same limits and deductibles — and consider privacy tradeoffs before enrolling.

How Allstate Milewise Works

Milewise is a pay-per-use car insurance program from Allstate. You get the same types of coverages you’d expect from a traditional Allstate policy — the main difference is how you’re billed.

Your Milewise cost is typically built from two pieces:

• Daily rate: A fixed amount you pay each day you’re insured (even if you don’t drive).
• Per-mile rate: An additional charge for each mile you drive.

So if your daily rate is $1.50/day and your per-mile rate is $0.06/mile, a day where you drive 12 miles would cost $2.22 ($1.50 + 12 × $0.06). Days you don’t drive still cost the daily rate — but you won’t pay mileage charges.

If you have multiple cars, Milewise can be especially useful because you may be able to set one vehicle as pay-per-mile while keeping another vehicle on an “unlimited” option (depending on what Allstate offers in your state). This is helpful when one car barely gets used.

How Milewise Tracks Miles (Device + App)

To bill you accurately, Milewise needs a mileage source. Milewise generally uses a small device that plugs into your vehicle’s diagnostic port (OBD-II), and you can view trips and costs in the Allstate mobile app.

Important: if the device isn’t installed correctly or stops reporting trips, Allstate may apply a default mileage amount for billing until the issue is resolved.

Who Should Consider Allstate Milewise?

Milewise is usually best for drivers who consistently drive well below average — especially if your mileage stays low most months.

Drivers who often benefit include:

• Anyone who drives fewer miles than the average driver
• Work-from-home (or hybrid) drivers
• Retirees
• Households with a lightly used second vehicle
• People who want more transparency into how driving affects their insurance cost

Milewise is usually not a great fit if you drive long distances daily, drive for work (delivery/ride-share), or take frequent road trips.

Milewise Availability Varies by State

Milewise is not available everywhere, and availability can change over time. The simplest way to check is to start a quote and see if Milewise is offered for your ZIP code, or ask an Allstate agent what pay-per-mile options are currently available where you live.

How Much Can You Save with Milewise?

Potential savings depend on your current premium, your daily rate, your per-mile rate, and how much you drive. Some low-mileage drivers can save meaningful money — while higher-mileage drivers may pay more than they would on a traditional policy.

A quick way to estimate your break-even point is:

• Traditional monthly premium vs.
• (Daily rate × days in month) + (Per-mile rate × miles driven in month)

Example:

• Your traditional Allstate policy costs $140/month.
• Milewise quotes you $2.00/day and $0.06/mile.
• In a 30-day month, the daily portion is $60 (30 × $2.00).
• That leaves $80 before you hit $140, which means your break-even mileage is about 1,333 miles/month ($80 ÷ $0.06).

If you typically drive far less than that, Milewise may be worth a closer look. If you drive far more, it may not pencil out.

What Does Milewise Cover?

Milewise is billed differently, but coverage works like a traditional policy. A Milewise policy can include the same core coverages you’d get from Allstate (availability depends on your state and what you choose):

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive
• Personal injury protection
• Uninsured and underinsured motorist
• Medical payments

Manage Your Milewise Policy in the Allstate App

Allstate’s app is where Milewise customers typically review trips and mileage, track costs, and monitor driving insights. Features can vary by state and policy, but the app experience is a big part of the product.

You may also be able to earn points or access offers through Allstate Rewards (availability and redemption options can change over time).

What Information Does Milewise Collect?

Milewise needs mileage data to bill you. Depending on the program setup in your state, the device/app may also collect other trip-related data (like trip timing and driving events). If you want a more technical look at the kinds of data that can be collected through telematics, you can view Arity’s device data statement here.

If privacy is a concern, read the program disclosures carefully before enrolling. If you’re not comfortable with data collection, a traditional policy (or a different low-mileage discount) may feel like a better fit.

Is Allstate Milewise Worth It?

Allstate Milewise can be worth it if (1) you drive low miles most months and (2) the daily + per-mile pricing beats what you’d pay for comparable coverage on a traditional policy.

Before you sign up, consider:

• Your real mileage: check your last few months of driving (or your annual miles) so you’re not guessing.
• Your alternatives: Allstate isn’t always the cheapest in every ZIP code. Compare quotes from competing providers in your area using the same coverages.
• Data tracking: Milewise requires mileage tracking, and some versions may capture more driving-related data than just miles.
• Road trips: pay-per-mile insurance is often best when you drive low miles consistently — not just “some months.”

FAQs About Allstate Milewise

Final Word on Allstate’s Milewise

Allstate’s Milewise is a pay-per-mile auto insurance option that typically charges a daily fee plus a per-mile rate. It can be a smart way for low-mileage drivers to avoid overpaying — but it’s not automatically cheaper for everyone.

The best move is to get a Milewise quote (if available in your state), then compare it to a traditional policy with the same coverage limits and deductibles.

To see if Milewise is available where you live, start with Allstate here: https://www.allstate.com/auto-insurance/milewise