Metromile no longer sells car insurance under its own name. Lemonade bought the pay-per-mile insurer in July 2022, the quote buttons on metromile.com have pointed to Lemonade since mid-2024, and Lemonade told investors it had mostly finished moving Metromile customers onto its own platform by December 2024.
This page used to review Metromile as something you could buy. Now it covers what happened, what to do if you had a policy, and where a low-mileage driver can get pay-per-mile pricing today. One warning first. Pay-per-mile only wins if you drive less than most people, so line it up against a regular quote. You can get a Farmers auto quote from your ZIP code.
Metromile at a glance
| Detail | What we found |
|---|---|
| Status | No longer sold. The Get a quote button on metromile.com goes to Lemonade |
| Owner | Lemonade, Inc. The purchase closed on July 28, 2022 |
| What it sold | Pay-per-mile car insurance: a monthly base rate plus a few cents for each mile, counted by a plug-in device called the Pulse |
| Where it was sold | Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington |
| Where Lemonade bills by the mile | Arizona, California, Oregon and Washington |
| If you still have a policy | Metromile’s site lists 1-888-595-5485 and customersupport@metromile.com for policy changes and claims |
Sources: Lemonade’s announcements and annual reports filed with the SEC, Lemonade’s own FAQ, and the Internet Archive’s copies of metromile.com.
What happened to Metromile
The short version: Lemonade bought Metromile for its driving data, its insurance licenses and its cash. It kept the brand running while it built Lemonade Car, then moved customers over and switched the Metromile site off. Here is the sequence.
- 2011. The company is incorporated as Fair Auto. It takes the Metromile name in 2012 and goes on to sell pay-per-mile insurance in eight states.
- November 8, 2021. Lemonade agrees to buy Metromile, a week after unveiling its own product, Lemonade Car.
- July 28, 2022. The deal closes and Metromile’s stock stops trading on Nasdaq. Lemonade’s announcement says the Metromile brand “will sunset over time” and that the app and the brand will stay in market until customers can be moved to Lemonade.
- November 2023. Metromile pulls out of Virginia. Trade publication Coverager reports, from a filing with the state’s insurance regulator, that the pay-per-mile product is withdrawn effective November 16 and that Metromile will begin non-renewing its 2,044 Virginia policies in January 2024.
- Summer 2024. metromile.com stops quoting. Archived copies of the site show Metromile’s own quote form in mid-June and quote buttons pointing to Lemonade by early August.
- November 2024. The Metromile website shrinks to a single page that reads “Metromile is a Lemonade company.”
- December 2024. Lemonade reports that it has “substantially completed the migration of Metromile customers to the Lemonade platform.”
- As of this update. metromile.com is still that one page. Searching Apple’s App Store and Google Play for Metromile brings up the Lemonade Insurance app, not a Metromile one. The insurer behind the policies, Metromile Insurance Company, still exists as a Lemonade subsidiary, and Lemonade’s site still names it, alongside Lemonade Insurance Company, as a provider of its property and casualty insurance.
Sources: Lemonade’s announcement that the deal had closed and its 2024 annual report, both on the SEC’s website, Coverager’s report on the Virginia exit, and the Internet Archive’s most recent copy of metromile.com. One gap remains. Lemonade has not published a state-by-state account of which Metromile customers were moved and which were not renewed, and outside Virginia we could not find a public notice.
What to do if you had a Metromile policy
Start by working out who insures you today. After that, the steps are short.
- Check your paperwork. Look at your latest insurance ID card, declarations page or renewal email. If it names Lemonade or Metromile Insurance Company, Lemonade is servicing your policy.
- Use the contact details that still work. Metromile’s site says to call 1-888-595-5485 or email customersupport@metromile.com to manage a policy or file a claim. Lemonade customers handle everything in the Lemonade app, and Lemonade’s own number is 1-844-733-8666.
- Do not throw out the Pulse. Metromile’s device terms, as last archived in 2024, say the Pulse belongs to Metromile and that a device not returned within 30 days of a policy ending can cost you $100. Ask support what to do with yours, and get the answer in writing.
- If you live in New Jersey, Pennsylvania or Virginia, shop now. Lemonade does not list any of the three among the states where it sells car insurance, so there is no Lemonade Car policy to move to. Nationwide lists seven states where its SmartMiles plan is not available, and none of these three is on that list.
- If you were moved to Lemonade Car, read the new price. A new policy means new rates. Lemonade bills by the mile in Arizona, California, Oregon and Washington. In its other states, Illinois included, you pay a regular premium.
- Never leave a gap. Start the next policy before the old one ends, so you are never driving uninsured.
How Metromile’s pay-per-mile pricing worked
Metromile split your bill in two. You paid a base rate every month, then a per-mile rate for the miles you drove. Policies ran for six months. A small device called the Pulse plugged into the car’s diagnostic port and counted the miles. Per-mile charges stopped at a daily cap, which Metromile’s site put at 250 miles a day, or 150 in New Jersey.
The coverage itself was ordinary car insurance: liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments or personal injury protection, with roadside help and rental cars as options. Only the pricing was unusual, and Lemonade kept it. Its 2025 annual report describes its pay-per-mile policies the same way: six-month terms, a monthly base rate, and a per-mile rate with a daily maximum.
What pay-per-mile costs today
| Part of the bill | Amount | How it works |
|---|---|---|
| Base rate | Set in your quote | Charged every month, even if the car never moves. It depends on your state, car, driving record and coverage |
| Per-mile rate | A few cents | Multiplied by the miles you drove that month |
| Daily cap | Yes | Lemonade’s annual report says a daily maximum applies. Its site does not publish the number, so ask for it with your quote |
| Lemonade’s example | $101 a month | A $29 base rate plus about 1,200 miles at 6 cents a mile. At half the miles, the same example comes to about $65 |
The example is from Lemonade’s own guide to pay-per-mile insurance, and Lemonade calls it hypothetical. Your rates depend on your state, your car, your driving record and the coverage you pick.
Run that math with your own miles before you get excited. At 6 cents a mile, every extra 100 miles adds $6 to the bill. A month with a few long weekends can erase the saving, and a daily cap only helps on a single very long day.
A word on the old ads. Metromile promised big average savings, and this page used to repeat them. The fine print on Metromile’s own site said the figure came from a 2018 survey of new customers who saved. That was never a forecast for you, so we took those numbers down.
Who pay-per-mile insurance fits, and who should skip it
Pay-per-mile fits people whose car mostly sits. The insurers that sell it all describe the same driver.
- Lemonade says it is worth a look if you drive less than the average American, which it puts at about 14,263 miles a year, or roughly 1,200 a month.
- Mile Auto says its plan likely makes sense if you drive 10,000 miles a year or less.
- Nationwide says SmartMiles is for people who drive less than the average driver: you work from home, live close to work, ride public transit or keep an extra car you rarely use.
Lemonade says low-mileage drivers can save as much as 40% a year this way, and Mile Auto says its customers can save 30% to 40%. Neither page shows how the figure was measured, so treat it as a ceiling, not a forecast.
Skip pay-per-mile if you commute by car most days, take road trips often, or want the same bill every month. Skip it too if you do not want your driving tracked. Lemonade prices its car insurance through its app, with location services left on, and Nationwide uses a plug-in device or your car’s built-in connection. Mile Auto is the exception. It asks for a photo of your odometer once a month and nothing else.
If you are near the line, the only way to know is to price both kinds of policy with the same coverage. Our guide on how to shop for car insurance shows how to match quotes like for like.
More19 ways to save money on car insurance
Metromile alternatives: pay-per-mile insurance today
Three insurers sell a true pay-per-mile plan that we could confirm on their own sites for this update. We added Farmers as the regular quote to compare them against, because the per-mile plan is not always the cheaper one.
| Insurer | How you pay | How miles are tracked | Where it is sold |
|---|---|---|---|
 Lemonade Car | By the mile in Arizona, California, Oregon and Washington. A regular premium in its other states | The Lemonade app on your phone. Some policies use a small plug-in device | Arizona, California, Colorado, Florida, Illinois, Indiana, Missouri, Ohio, Oregon, Tennessee, Texas and Washington |
 Nationwide SmartMiles | A base premium plus a cost per mile. Only the first 250 miles in a day count | A small plug-in device or an eligible connected car | Nationwide lists seven states where it is not available: Alaska, Hawaii, Louisiana, Michigan, New York, North Carolina and Oklahoma |
| MAMile Auto | A base rate plus a per-mile rate | A photo of your odometer once a month. No device | Arizona, Colorado, Florida, Georgia, Illinois, Ohio, Oregon, Tennessee and Texas |
 Farmers | A regular premium, not by the mile | Not tracked. The optional Signal app can earn a safe-driving discount | Check with your ZIP code |
| MMMetromile | A base rate plus a per-mile rate | The Pulse plug-in device | Closed to new customers |
Details are from each insurer’s own site, checked for this update. Availability, coverage and discounts vary by state.
Lemonade Car
Where Metromile wentLemonade owns Metromile, and this is where Metromile’s quote button now sends you. In four states it works the way Metromile did: a monthly base price plus a few cents for each mile, and you see both numbers in your quote. Miles are counted through the Lemonade app, so location services have to stay on. Everything from the quote to a claim happens in the app.
Good to knowLemonade says it generally will not cover cars more than 20 years old, cars worth over $100,000 or cars used for business. It does not sell car insurance in New Jersey, Pennsylvania or Virginia, three of Metromile’s old states.
See Lemonade CarRent your place? Lemonade says bundling car insurance with a renters, homeowners or pet policy makes you eligible for savings on each one. You can check Lemonade renters prices, which start at $5 a month according to Lemonade, or read our Lemonade insurance review first.
Farmers
The regular quote to compareFarmers does not sell a per-mile plan. It is here because you need a regular quote to hold up against any pay-per-mile price. You enter your ZIP code, match the coverage to what you have now, and ask which discounts apply. Farmers lists more than 20 and lets you combine them, and you can finish online or with an agent.
Good to knowThe $530 is a survey average, not a promise. Farmers’ Signal app can earn a discount for safe driving where it is offered, but Farmers says riskier driving could raise your price at renewal.
Get a Farmers auto quote*Per Farmers: based on average nationwide annual savings of new customers surveyed, excluding HI, SC and Farmers GroupSelect, from 9/1/24 to 8/31/25 who switched their auto insurance policy to a Farmers branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product. Signal and the Signal discount are not available in FL, HI and NY, and the Signal discount is not available in CA.
Is Lemonade Car the same as Metromile?
Close, in four states. Lemonade Car in Arizona, California, Oregon and Washington uses the pricing Metromile was known for: a base price plus a per-mile price, billed every month. The tracking is what changed. Metromile relied on the Pulse. Lemonade leans on your phone, though its FAQ says some policies still use a small plug-in device.
In Lemonade’s other states you pay a regular premium. In Colorado, Illinois, Indiana, Ohio, Tennessee and Texas, Lemonade says driving with the app’s location services on makes you eligible for a discount.
Nationwide SmartMiles and Mile Auto
Nationwide SmartMiles is the easiest pay-per-mile plan to find, since Nationwide rules out only seven states. The bill is a base premium plus a cost per mile, and only the first 250 miles count on any single day. Miles are tracked by a small plug-in device or by an eligible connected car. After your first renewal, safe driving can earn a discount of up to 10%. Nationwide says that discount could be zero and is not offered in California.
Mile Auto is the pick if you do not want to be tracked. There is no device and no app watching how you drive. Once a month Mile sends you a link, you snap a photo of your odometer, and you pay your base rate plus your per-mile rate. In Mile’s own example, a $48 base rate and 8 cents a mile come to $72 for a 300-mile month. It is sold in nine states. Mile’s site does not name the insurance company that underwrites its policies, so ask before you buy.
Own your home? Bundling is the other lever on a regular policy, and our list of the best homeowners insurance companies covers who discounts what.
How to switch without a gap in coverage
- Find your declarations page. It lists your liability limits, deductibles and add-ons. Every quote you collect should match it.
- Count your real miles. Check the odometer today and again in 30 days. For a rough yearly number, divide the odometer reading by the age of the car.
- Get a per-mile quote and a regular quote. Ask the per-mile insurer for three numbers: the base rate, the per-mile rate and the daily cap.
- Do the math twice. Multiply your miles by the per-mile rate and add the base rate. Do it for a typical month and for your heaviest month, then set both next to the regular quote.
- Start the new policy first. Then cancel the old one in writing and ask about a refund. Lemonade gives the same advice: get covered before you cancel.
- Return any tracking device. Ask the old insurer how to send it back, and keep the receipt.
Insurance is one line in the cost of keeping a car that mostly sits. We cover the rest in how to save money on car expenses. And if you rent a car for the occasional long trip, here is when you need rental car insurance.
MoreHow to get lower car insurance premiums
Metromile FAQ
No. Metromile stopped quoting under its own name in 2024, and the Get a quote button on metromile.com now goes to Lemonade. For pay-per-mile pricing, look at Lemonade Car in Arizona, California, Oregon and Washington, Nationwide SmartMiles in most states, or Mile Auto in nine states. Whichever you pick, compare it with a regular policy. You can get a Farmers auto quote from your ZIP code.
Yes. Lemonade completed its purchase of Metromile on July 28, 2022, and said at the time that the Metromile brand would sunset. In its 2024 annual report, Lemonade said it had substantially completed moving Metromile customers to the Lemonade platform. Metromile Insurance Company still exists as a Lemonade subsidiary.
Lemonade bought it in 2022 and folded it into Lemonade Car. Metromile withdrew from Virginia in late 2023, according to trade publication Coverager. Its website stopped quoting in the summer of 2024, and by November 2024 the site was a single page that says Metromile is a Lemonade company.
Metromile was a real, licensed insurer, not a scam. Its stock traded on Nasdaq until Lemonade, which is listed on the New York Stock Exchange, bought the company. You just cannot buy a Metromile policy anymore. Any site that still offers to sell you one is out of date.
Yes, in four states. Lemonade says its car policies in Arizona, California, Oregon and Washington are priced each month from a base price plus a few cents for each mile you drive. In its other states, Lemonade Car is a regular policy.
It can be if you drive well under the average. Lemonade puts the average at about 14,263 miles a year, and Mile Auto says its plan likely makes sense at 10,000 miles a year or less. If you commute by car or take long trips often, a regular policy is usually the safer bet. Price both before you decide.
Searching Apple’s App Store and Google Play for Metromile now brings up the Lemonade Insurance app. Lemonade counts miles mainly through that app, and its FAQ says some policies use a small plug-in device. If you still have a Pulse, ask support before you throw it out. Metromile’s terms said an unreturned device could cost $100.
Metromile and Lemonade details come from Lemonade’s filings with the SEC, Lemonade’s own site and the Internet Archive’s copies of metromile.com. Insurance availability, coverage and prices vary by state and by driver. Advertiser disclosure: We may receive compensation from some of the companies listed on this page. This does not influence how we rank them.
