Metromile

Metromile is operated by Lemonade, Inc. (Metromile acquired 2022), headquartered in New York, New York, United States (Subsidiary of Lemonade, Inc. (NYSE:LMND)). The product launched in Metromile 2011; Lemonade acquisition closed July 2022 and is a usage-based pay-per-mile US auto insurer. This 2026 review covers operator context, the current tier ladder, the feature set that matters for buyers and the live signals to watch before subscribing.

Quick facts

• Operator: Lemonade, Inc. (Metromile acquired 2022)
• Headquarters: New York, New York, United States
• Public-market status: Subsidiary of Lemonade, Inc. (NYSE:LMND)
• Founded: Metromile 2011; Lemonade acquisition closed July 2022
• Category: Automotive
• Current tiers: Pay-per-mile auto
• Anchor price (2026): base rate + per-mile cents
• Competitive set: competing with Root, Mile Auto and traditional carriers' usage-based programs

What is Metromile?

Metromile is a usage-based pay-per-mile US auto insurer. The product is competing with Root, Mile Auto and traditional carriers' usage-based programs. Customers buy a tier that matches their usage profile — the entry tier handles pay-per-mile pricing measured by Metromile Pulse OBD-II device, while the mid and premium tiers add depth such as mobile app with trip tracking and collision and comprehensive options. Subscription billing happens through the operator's checkout or partner billing surfaces (App Store / Google Play / direct card on file).

Why choose Metromile

Operator and market position

Lemonade, Inc. (Metromile acquired 2022) runs Metromile from New York, New York, United States. Its public-market status (Subsidiary of Lemonade, Inc. (NYSE:LMND)) and category position (competing with Root, Mile Auto and traditional carriers' usage-based programs) shape the credibility of the operator's roadmap and pricing decisions. Buyers should weigh that operator context alongside headline features — a well-capitalised parent typically translates into faster bug fixes, longer support cycles and more predictable price changes than a smaller indie operator.

Account ladder and fees

The Metromile tier ladder runs Pay-per-mile auto. Anchor pricing in 2026 starts around base rate + per-mile cents for the entry tier and steps up by tier with named feature unlocks. Confirm the live regional price on the operator's site, then cross-check Subger's true-price tracker for Metromile for the all-in renewal cost after taxes and FX conversion.

Apps, integrations and customer support

Apps and customer-experience surfaces matter as much as headline feature counts. Metromile delivers its core workflow across the platform surfaces listed in the platform table below, with notifications and self-service flows handled in-app. The 2025-2026 differentiator to watch: Lemonade integrated Metromile pricing tech into its car-insurance product in 2024-2025.

Metromile features that matter in 2026

Current feature set that buyers should weigh:

• pay-per-mile pricing measured by Metromile Pulse OBD-II device
• mobile app with trip tracking
• collision and comprehensive options
• stolen-vehicle recovery
• integrated with Lemonade insurance ecosystem
• quote in minutes

Feature availability varies by region and tier; the headline list above reflects the operator's positioning. Confirm specific regional availability on the operator's marketing pages before committing.

Metromile pricing in 2026

The Metromile tier ladder in 2026 looks like:

Headline prices step up across the ladder; promotional first-period anchors and regional FX can change the all-in cost. Subger's tools reconcile the list price with the actual renewal cost:

Metromile apps and platform support

Surface availability can vary by region and tier; confirm current app availability and supported devices on the operator's site before subscribing.

Who Metromile fits

Metromile is most likely a good match for the following buyers:

• Us low-mileage drivers wanting pay-per-mile auto insurance — the core target audience for the product.
• Category-focused subscribers who specifically want pay-per-mile pricing measured by Metromile Pulse OBD-II device from competing with Root, Mile Auto and traditional carriers' usage-based programs rather than a generalist platform.
• Tier-comparing households or teams evaluating the Pay-per-mile auto → Pay-per-mile auto ladder and willing to pay up for stolen-vehicle recovery.
• Cross-device users who need apps across the surfaces in the platform table above.
• Price-sensitive shoppers who want to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Frequently asked questions

Who runs Metromile and where is it based?

Metromile is run by Lemonade, Inc. (Metromile acquired 2022), headquartered in New York, New York, United States. The operator's public-market status is: Subsidiary of Lemonade, Inc. (NYSE:LMND). The product was founded in Metromile 2011; Lemonade acquisition closed July 2022.

How much does Metromile cost in 2026?

The 2026 tier ladder is Pay-per-mile auto, with anchor pricing starting around base rate + per-mile cents. Regional currency and promotional cycles can shift the all-in cost; Subger's true-price tracker reconciles the headline price with renewal reality.

Is there a free tier or free trial for Metromile?

Yes — the Pay-per-mile auto tier is positioned as an entry option without an immediate paid commitment.

Where is Metromile available?

Availability follows the operator's licensing and service footprint from New York, New York, United States. Confirm regional availability on the official site before subscribing.

What 2025-2026 features set Metromile apart right now?

The live differentiator to watch: Lemonade integrated Metromile pricing tech into its car-insurance product in 2024-2025. Pair that with the headline features (pay-per-mile pricing measured by Metromile Pulse OBD-II device, mobile app with trip tracking, collision and comprehensive options) to judge whether the current roadmap fits your needs.

Which competitors should buyers compare Metromile against?

Metromile is most directly competing with Root, Mile Auto and traditional carriers' usage-based programs. Run a side-by-side feature and price comparison with those alternatives — Subger's category pages help with the shortlist.

How do I cancel Metromile?

Cancel through the account or subscription settings on the surface where you bought the plan: the operator's website for direct subscriptions, the App Store or Google Play for in-app purchases, or the partner billing portal for bundled subscriptions. Subger's cancellation guide for Metromile walks through each route step-by-step.

Does Metromile offer a team or multi-seat plan?

Multi-user, household or seat structure depends on the tier. Higher tiers commonly add admin controls or extra streams; entry tiers can restrict simultaneous usage. Confirm the per-tier seat limit on the live pricing page before committing.

How can I track price changes for Metromile?

Subger's renewal tracker for Metromile records list-price changes plus promotional anchors over time. Pair it with the deals page for current discount codes and the promo codes page for stackable savings at signup.

Get started with Metromile

Confirm the current regional price on the Lemonade, Inc. (Metromile acquired 2022) signup page, choose the tier that matches your usage (Pay-per-mile auto or Pay-per-mile auto are the most common starting points), and check Subger's deals page for Metromile for promotional anchors before completing checkout. Track the subscription's true renewal cost with the true-price tracker once you're signed up.

Related Subger guides

• Cancel Metromile guide
• Latest Metromile deals
• Metromile promo codes
• Metromile true price and renewal tracker
• Browse the Automotive category hub
• All services on Subger