Can I still buy Metromile insurance?

No. Metromile stopped writing new policies after Lemonade acquired the company in 2022, and the brand has since been retired. Any quote form still presenting itself as Metromile is not selling an active Metromile product.

What happened to Metromile?

Lemonade acquired Metromile in 2022. Rather than continuing it as a separate brand, Lemonade migrated Metromile customers onto its own platform and wound the brand down, with the remaining infrastructure being retired through 2026.

I'm an existing Metromile customer — what should I do?

Your policy and claims are handled through Lemonade. Contact Lemonade directly about the status of your coverage, and treat the transition as a natural point to compare replacement quotes from other carriers.

What are the best Metromile alternatives?

Enter your ZIP above and we'll connect you with licensed agents in your area. For pay-per-mile specifically, ask about Mile Auto (Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, Texas), Nationwide SmartMiles, and Allstate Milewise. Also compare a conventional policy with a low-mileage discount, which is often cheaper and simpler.

Is pay-per-mile still worth it without Metromile?

Yes, for genuinely low-mileage drivers. The economics are unchanged: below roughly 10,000 miles a year the model usually wins, and above about 12,000 it usually doesn't. Several carriers now offer it, so losing Metromile removed a brand rather than the option itself.

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Metromile

Metromile Insurance in 2026: Status, What Happened, and Alternatives

By ReliablePolicy Editorial Team

Metromile pioneered pay-per-mile car insurance, but it is no longer available to new customers. Lemonade acquired the company in 2022 and has since retired the brand, folding customers onto its own platform. If you're searching for a Metromile quote, this page explains what happened and which pay-per-mile options actually remain open in 2026.

Status

Closed to new business

Brand retired after acquisition

Acquired by

Lemonade

Completed 2022

Pricing model

Was pay-per-mile

Base rate + per-mile charge

New policies

Unavailable

No new quotes offered

Existing customers

Migrated

Moved to the Lemonade platform

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Metromile overview

Metromile launched pay-per-mile auto insurance in the United States, charging a low base rate plus a per-mile fee tracked by a plug-in device called the Metromile Pulse. Lemonade acquired the company in 2022 and subsequently retired the Metromile brand, migrating policyholders onto its own platform and ceasing to offer new Metromile quotes. Reporting indicates Lemonade has continued winding down the remaining Metromile infrastructure through 2026. Reviews of Metromile still circulate widely online, which is why many shoppers arrive expecting an active product — it is not one.

Metromile estimated rates by driver profile (2026)

Independent market estimates for drivers researching Metromile — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Driver profile	Est. annual premium	vs. market avg.	Notes
New policy — any profile	Unavailable	Closed	No longer writing new business
Existing policyholder	Via Lemonade	Migrated	Contact Lemonade directly
Low mileage alternative	Mile Auto	Open	7 states, odometer photos
Low mileage alternative	Nationwide SmartMiles	Open	Wide availability, telematics
Low mileage alternative	Allstate Milewise	Open	Pay-per-mile with daily rate
Standard low-mileage discount	Most major carriers	Open	Simpler than pay-per-mile

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Metromile. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Metromile pros and cons

Where Metromile excels

✓Pioneered the pay-per-mile model now offered by several major carriers
✓Existing policyholders were migrated rather than left without coverage
✓Lemonade, an established insurer, stands behind the transitioned policies
✓The underlying idea remains available from Mile Auto, Nationwide, and Allstate

Where Metromile falls short

✗No longer writing new policies — you cannot buy Metromile insurance
✗Brand retired following the 2022 Lemonade acquisition
✗Outdated reviews still rank online and imply the product is available
✗Remaining Metromile systems have been winding down through 2026

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A closer look at Metromile

There is no version of this where you end up with a Metromile policy — the brand is closed to new business and has been absorbed into Lemonade. What survives is the model Metromile popularized. If low annual mileage is what drew you here, the practical replacements are Mile Auto in its seven states, Nationwide's SmartMiles, and Allstate's Milewise, all of which price on miles driven. It is also worth checking a conventional policy with a low-mileage discount, which is frequently competitive and considerably simpler.

Bottom line

Metromile no longer sells insurance. Low-mileage drivers should look at Mile Auto, Nationwide SmartMiles, or Allstate Milewise, and compare those against a standard policy with a low-mileage discount.

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Frequently asked questions about Metromile

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Metromile. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.

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