name: Metromile Plans and Pricing
description: Metromile offers pay-per-mile auto insurance with a base monthly rate plus a per-mile charge. The consumer insurance product is now managed under Lemonade following the 2022 acquisition. The Metromile Enterprise platform (B2B claims automation SaaS) is available through direct sales engagement.
url: https://www.metromile.com/
plans:
  - name: Pay-Per-Mile Personal Auto Insurance
    description: Consumer pay-per-mile car insurance with a fixed base rate plus a per-mile usage charge tracked via the Pulse OBD telematics device.
    type: usage-based
    pricing:
      base_rate_monthly: "$29+"
      per_mile_rate: varies by driver profile, vehicle, and state
      daily_mileage_cap: 250 miles (150 miles in New Jersey)
    coverage_options:
      - Liability
      - Comprehensive
      - Collision
      - PIP / Medical Payments
      - Pet Injury Protection (included with comp+collision)
    availability: AZ, CA, IL, NJ, OR, PA, VA, WA
    notes: >
      Metromile consumer insurance is now offered through Lemonade following the
      July 2022 acquisition. New Metromile-branded quotes are no longer issued;
      existing customers continue to manage policies under Lemonade.
  - name: Metromile Enterprise (B2B SaaS)
    description: Cloud-based claims automation platform for property and casualty (P&C) insurance carriers. Sold via direct enterprise sales engagement.
    type: enterprise-saas
    pricing:
      model: Contact sales
      url: https://enterprise.metromile.com/
    products:
      - name: Report
        description: Digital first-notice-of-loss (FNOL) and loss-reporting tool
      - name: Replay
        description: Virtual accident reconstruction using Pulse telematics sensor data
      - name: Detect
        description: Automated fraud detection and alert system for claims adjusters
      - name: Streamline
        description: Back-office automation and customer intelligence for claims workflows
    integration:
      type: REST API
      description: Straightforward API integration enables gradual or full switchover to touchless or partial-touch automated claims workflows and payment vendor connectivity