Save Money with Pay Per Mile Insurance



How is a Pay Per Mile insurance policy different?

Your premium is made up of a flat daily rate and a per-mile rate.  The less you drive, the less you pay.  Your account is set up with an initial down payment, and then you pay as you go.  When you reach your minimum balance, your account will automatically replenish via the credit card you have on file.

Would I benefit from Pay Per Mile insurance?

Pay Per Mile insurance is excellent for anyone who has at least one car that they drive less than 25 miles a day.

  • Do you take public transportation, bike, or walk to work?
  • Do you work from home?
  • Are you a stay-at-home parent?
  • Are you retired?
  • Are you between jobs?
  • Do you enjoy the technology and convenience of an automatic pre-pay account?
  • Do you have more cars in the house than drivers?

If Yes, this policy is great for you!

What is Pay Per Mile insurance?

Pay Per Mile insurance is unique that it offers you the same coverages as a traditional car insurance policy, but prices your policy based upon the exact number of miles you drive.  The fewer miles you drive, the less you pay.  Insurance prices are based upon risk.  How likely you are to get into an accident.  If you are driving less, the likelihood of you having an accident drops significantly.

Most major insurance companies offer a low-mileage discount but Pay Per Mile is different.  A lower mileage discount is a small percentage of your standard insurance premium and is not specific to you.  Pay, Per Mile insurance is different.  You are literally only paying for the miles you drive.  The average American drives 12,000 miles annually.  If you drive even 75% of that, or 9,000 a year, you could save hundreds.  And the less you drive, the more you save.

How does Pay Per Mile insurance work?

With Pay Per Mile insurance, each car that you own will have a flat daily rate.  This is the same daily rate, regardless of how often you drive your vehicle.  On top of your daily rate is your mileage rate.  For every mile you drive, you are charged a couple of pennies.

Usage-based insurance, or Pay Per Mile insurance, is different than traditional car insurance as you will not have the same monthly bill every time.  You have a bucket of funds, and when you get below a certain threshold in your account, your credit card auto-replenishes a pre-determined amount.  It is the exact way a toll tag or a Starbucks card would work.  If you drive less in a particular month, instead of having a bill every thirty days, it could be forty or fifty days until your account needs to be re-filled.

When you enroll with the Phoenix Protection Group, you will be sent a wireless device to plug into the OBD-II port underneath the steering wheel in your car.  This device will measure how many miles are driven each day, as well as other factors such as driving history, vehicle type, and location.

Work from Home | Pay-Per-Mile Insurance

Working from home? Pay-Per-Mile Insurance is right for you.

Pay Per Mile insurance is not right for everyone.  If you drive over 12,000 miles a year, drive for Uber, deliver food or go on frequent long trips, a traditional policy is better suited for you.  However, Pay Per Mile Insurance is perfect for individuals and families who:

  • Have more cars than drivers
  • Work from home
  • Stay-at-home parent
  • Retired
  • In-between jobs
  • Use public transportation
  • Enjoy having more control over your insurance and bills

How much money will I save with Pay Per Mile car insurance?

If you drive less than 10,000 miles a year, Pay Per Mile Insurance will most likely save you significant money.  People who 6,000 miles a year, half the national average, can potentially save over $1,000 a year versus traditional car insurance.

Benefits of Pay Per Mile insurance through Phoenix Protection Group

Phoenix Protection Group goes above just offering Pay Per Mile Insurance.  When you work with Phoenix Protection Group, you gain access to an app that improves your driving.  The app lets you:

  • Set weekly spending goals
  • View trips at a glance
  • Personalized driving feedback
  • Safe driving trends
  • Access to vehicle diagnostics, car maintenance reminders
  • Help to find a mechanic and schedule repairs

Get your free quote today and see how much you can save with Pay Per Mile Insurance through Phoenix Protection Group. 


Phoenix Protection Group actively monitors each vehicle we insure through Pay Per Mile.  If you are approaching a point where switching to the Unlimited mileage option would save you more money, we will contact you and discuss the opportunity.  When you switch to Unlimited, you only pay a flat daily rate and can drive as much as you would like.