A Comprehensive Guide on Pay Per Mile (PPM) Car Insurance What is Pay Per Mile (PPM) Car Insurance Pay Per Mile (PPM) car insurance represents a significant innovation in the auto insurance industry, tailored to benefit drivers who do not cover extensive mileage. Unlike traditional insurance policies, which charge a flat rate regardless of the distance driven, PPM insurance bases premiums on the actual number of miles a vehicle travels. This approach is particularly advantageous for individuals who use their vehicles sparingly, such as those running errands, making short trips, or having limited daily commutes. As more people adopt lifestyles that involve reduced driving, PPM insurance emerges as a cost-effective and equitable alternative. How does PPM Car Insurance work? The structure of PPM car insurance combines a base rate with a per-mile charge. For example, Metromile, a prominent provider in this sector, offers a base rate starting at $29 per month, supplemented by additional cha...