How to Cancel Metromile Insurance in 2026 (Now Part of Lemonade)

Updated 2026-02-22 · 5 min read

📌 Metromile Was Acquired by Lemonade

Lemonade acquired Metromile in 2022 and has been migrating policies. If you're still seeing "Metromile" charges, your policy may now be administered by Lemonade. Check your email for migration notices. If you never received one, your policy may have been automatically renewed under the Lemonade umbrella.

How Pay-Per-Mile Insurance Works (And Why People Leave)

Metromile pioneered pay-per-mile car insurance: a low base rate ($30-50/month) plus a per-mile charge (2-6 cents/mile). For low-mileage drivers (under 8,000 miles/year), this was genuinely cheaper than traditional insurance. But several problems emerged:

Miles crept up: Remote workers who returned to offices found their premiums doubled or tripled
OBD device issues: The Pulse device plugged into your car's diagnostic port sometimes drained batteries or caused check engine lights
Claims frustration: AI-processed claims (inherited by Lemonade) had high denial rates and slow human escalation
Base rate increases: The per-mile rate stayed low but the base rate increased significantly at renewal

How to Cancel Metromile / Lemonade Car Insurance

If You've Been Migrated to Lemonade

Download the Lemonade app (if not already installed)
Log in with your Metromile email
Go to Policy → Cancel policy
Provide proof of new insurance
Return the Metromile Pulse OBD device (if you still have it)

If Still on Original Metromile

Log into metromile.com
Go to Account → Policy
Click "Cancel Policy"
Or call 1-888-244-1702

⚠️ Return the Pulse Device

Metromile's OBD Pulse device tracks your mileage and reports it for billing. After canceling, unplug the device and return it. Metromile may charge a device fee ($50-100) if not returned within 30 days. They should send a prepaid shipping label — if they don't, email support and request one.

Better Options for Low-Mileage Drivers in 2026

If you drive less than 10,000 miles/year, you have better options than Metromile:

Mile Auto: True pay-per-mile without an OBD device — you submit odometer photos monthly. Simpler, more transparent.
Nationwide SmartMiles: Pay-per-mile from a major carrier with proper claims infrastructure. No startup OBD issues.
Low-mileage discounts: GEICO, Progressive, and State Farm all offer significant discounts for under 7,500 miles/year — no tracking required, just self-report your annual mileage.
Usage-based programs: Progressive Snapshot and Allstate Drivewise consider both mileage AND driving behavior for discounts up to 30%.

The Pay-Per-Mile Math

At 5,000 miles/year with Metromile's typical pricing:

Base rate: $40/month × 12 = $480
Per-mile: $0.04 × 5,000 = $200
Total: $680/year

Compare that to a low-mileage quote from GEICO ($500-700/year for similar coverage) and the savings evaporate. Pay-per-mile only truly wins at under 3,000 miles/year — which describes people who barely drive at all.

🔍 Are You Paying for Cars You Barely Drive?

Insurance on a car you drive 3,000 miles/year, plus roadside assistance, parking apps, car wash subscriptions — JustCancel scans your bank statement to find every auto-related recurring charge. Sometimes selling the car and using rideshare saves money.

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Quick Cancel Guide: Metromile

Direct cancel link + step-by-step instructions