I switched to Metromile from State Farm in March 2018. I drive under 5,000 miles/yr. I'm fully insured and pay less than 40-50% of what I was paying with SF, & I had a discount with SF for low mileage. I even upped my liability insurance with MM. As for living DT without a car, I did it for 20+ years but eventually the car rentals became a headache. Living uptown it's not as convenient so I like having a car.