Metromile, Inc. is a technology start-up based in San Francisco that provides pay-per-mile car insurance. The company also licenses its digital insurance platform to insurance companies worldwide and offers a digitally native product that includes smart driving features, automated claims, and vehicle information. In July 2022, Metromile was acquired by Lemonade, Inc.
Pay-per-mile insurance
Pay-per-mile insurance is a type of usage-based auto insurance where policyholders pay a base rate plus a per-mile fee. It is designed for low-mileage drivers and calculates costs based solely on distance driven, without considering driving behavior. This model contrasts with other usage-based insurance programs that assess factors such as speed, braking, or time of travel.[2] To measure mileage, the Metromile Pulse device is plugged into the onboard diagnostic (OBD-II) port of the car. The OBD-II port is the same port that mechanics use to diagnose issues that trigger a car’s “check engine” light. The device then transmits mileage data to servers.[3] Metromile provides a full customer service team and 24/7 claims team.[4]