Liberty Mutual ByMile®
Auto insurance for low-mileage drivers
It's simple - just follow these easy steps
Enroll in ByMile with your auto insurance, sign the terms and conditions, and we'll ship you your device right away.
Be sure to install your device within 21 days of receiving it so we can start charging you accurately for the miles you drive.
Start driving and enjoy your customized premium each month.
Download the ByMile app to track your monthly mileage. You can find the app in the Apple AppStore or Google Play.
Frequently asked questions about ByMile
How does ByMile work?
Participation in ByMile is voluntary. Once you sign the Terms and Conditions, we will send you an easy-to-install device that will log your miles. The device plugs into your vehicle’s Onboard Diagnostic (OBD-II) port. No tools are required for installing the device, though you may need to remove the cover from your port.
How does ByMile impact my insurance bill?
Your monthly premium will be adjusted based on the number of miles you drove in the previous months.
What are the benefits of enrolling in ByMile?
With ByMile, your premium is customized based on the number of verified miles you drove in the prior months, letting you only pay for the insurance you need. Participation in ByMile also gives you access to an app that allows you to view your trips and track your miles.
How do I know if I am eligible for ByMile?
To participate, you will need a valid email address and an eligible vehicle. Most vehicles of model-year 1996 and newer are compatible with the device and are eligible for the program. Please call your local sales office with other eligibility questions.
Which driving activities will impact my premium?
Mileage is the only factor that will impact your premium.
Where is ByMile available?
ByMile is currently available in select states. Please call your local sales office to see if it's available in your state.
How do I sign up?
To enroll in ByMile, please call your local sales office.
When do I get started?
After you purchase your policy, you’ll receive an email asking you to create an account and sign your policy forms, including the ByMile Terms and Conditions. Once you have accepted the Terms and Conditions, we will ship your device. It’s important to plug in your device as soon as you receive it so we can start charging you accurately for the miles you drive. If you do not agree to the Terms and Conditions within 21 days, ByMile will be removed from your policy resulting in an adjustment to your premium.
What happens if I change my vehicle?
If you need to change your insured vehicle, please call the ByMile service team at 1-800-216-3833 for assistance. Please note that your premium may change depending on the type of vehicle you insure as a replacement.
Can I opt out of the program?
Yes. You can opt out of ByMile at any time. To do so, contact your local sales office or call the ByMile service team at 1-800-216-3833, and they can remove ByMile from your policy.
How do I return the ByMile device?
When you opt out of ByMile, we will send you a prepaid return envelope along with instructions for removing and returning the device. Please return the device within 21 days to avoid being charged a fee. The device should not be returned to a local sales office.
How do I install the ByMile device?
Your device will include easy-to-follow installation instructions along with contact information in case you need assistance. The steps for installation are as follows:
1. Check the sticker. Look at the sticker on your device to make sure it is correctly matched to your vehicle. If you have multiple vehicles, be aware that each device is designated for a specific vehicle.
2. Plug in your device. Simply plug the device firmly into your vehicle’s OBD-II port. The OBD-II port is usually located under the dashboard on the driver’s side and may have a cover. Visit LibertyMutual.InstallerNet.com to locate your vehicle’s OBD-II port.
3. Is it working? After plugging in your device, you’ll receive a confirmation email that it’s working. Please note that the confirmation email may be delayed until the device is able to pick up cellular service. If your device doesn’t seem to be working properly, please unplug it and call the ByMile service team at 1-800-216-3833.
4. Good to go! Once your device has been successfully activated, simply start driving as you normally would.
5. Download the app. For real-time mileage tracking, download the ByMile app and pair it with your ByMile device.
Is installing the device mandatory?
Yes. The device must be installed to participate in ByMile.
Should I remove the device when another driver uses my vehicle
No. The device must remain plugged into your vehicle.
Can I remove the device?
No. You must keep your device installed in your vehicle in order to participate in ByMile. If the device is removed for any reason other than vehicle maintenance, you may be charged additional miles each day that it is not plugged in.
What if my vehicle is in the shop?
If your vehicle is in a service shop, the device can be temporarily removed if requested by a mechanic but it must be re-installed immediately after the work is completed.
What if my vehicle is stolen or involved in an accident?
If your vehicle is stolen or involved in an accident, follow all standard procedures for handling this type of emergency: contact the police, seek emergency medical attention if necessary, then contact a Liberty Mutual Claims Representative as soon as possible. If you need to replace your device, simply call the ByMile service team at 1-800-216-3833.
What if I don’t drive my vehicle every day?
It’s okay if you don’t drive your vehicle every day. As long as the ByMile device is successfully installed in your enrolled vehicle, you’re all set!
How do I download the ByMile app?
Depending on your type of phone, go to either the App Store or Google Play and search for "ByMile by Liberty Mutual."
How do I register the ByMile app?
Once you enroll in ByMile and download the app, you’ll need to enter your activation code. This activation code will be emailed to you once you have successfully installed your device. Then simply follow the instructions provided in the app.
Do I have to download the ByMile app?
No. The app is optional for this program; however we encourage you to use it to help you keep track of your mileage.
How is my data used?
A complete list of collected data is available to you. This list will be updated as the data changes. The only data that will impact your premium are listed below:
- Technology Connection Event (when your device is connected)
- Technology Disconnection Event (when your device is disconnected)
The data we collect will not affect either policy cancellation or nonrenewal. We may retain the collected data indefinitely, subject to state requirements. We may use the data in connection with any insurance claim, including for purposes of reporting, investigating and adjusting such claim(s). We may use the data on an aggregated basis for research purposes. We reserve the right to collect data as long as the technology is in use and may retain the collected data as allowed by law. Please refer to the ByMile Terms & Conditions for additional details on how Liberty Mutual protects your privacy.
How is my data protected?
Liberty Mutual will not sell the data collected through participation in ByMile. We may use the data as permitted by law, including for purposes of adjusting your auto insurance premium, servicing your policy, providing services related to ByMile, developing rate or premium information, developing other services and benefits to offer to you or other customers, or for research. Please refer to the ByMile Terms & Conditions for additional details on how Liberty Mutual protects your privacy.
How can I view my mileage?
You can view your mileage and detailed trip information in the ByMile app. You’ll also receive email updates every month summarizing your miles.
How is my premium calculated?
When you enroll in the program, we will estimate your annual mileage in order to calculate your initial premium. Once you plug in and activate your device, you will be charged based on the number of miles you drive each month. Your rate will fluctuate each month and you will be charged based on the miles you drove in a previous month.
When will I be billed?
With the ByMile program, you will be billed monthly based on the miles that you drove in a previous month. In some cases, your bill may reflect the miles driven from two months prior. For example, for customers who chose to pay their monthly premium through electronic funds transfer (EFT), we provide a 15-day advanced notice of the amount that will be withdrawn. Since the notice will come in the middle of the current driving period, the amount will be based on the miles driven in the prior month.
What if I take a long road trip?
While driving more miles may increase your monthly premium, you don’t need to worry about taking long trips because you won’t be charged for more than 150 miles per day per vehicle. Customers who find themselves driving more than normal in any given month may see a temporary increase in their monthly premium, however, once they return to their typical mileage they can expect their monthly premium to decrease. Even with monthly changes in driving, low-mileage customers with ByMile could save an average of 25% compared to a traditional auto policy.*
Is there any cost to participate?
There is no charge for receiving and using the device.
What payment types are accepted to participate in the program?
ByMile customers must pay using either recurring credit card (RCC) or electronic funds transfer (EFT).
How do the costs compare to a traditional auto policy?
Typically, low-mileage customers with ByMile could save an average of 25% compared to a traditional auto policy. The extent of your savings is based on your mileage.*
When will I be billed?
With the ByMile program, you will be billed monthly.
Will my other coverages be included in my policy?
ByMile includes all the coverages of a traditional auto policy, but at a fraction of the price because your rates are customized based on the number of verified miles you drive.