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Usage-Based Insurance insurers
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 29 | Root InsuranceA Columbus, Ohio, app-based insurer that prices car insurance largely on a smartphone test drive, sold direct, through partners and agents in 37 states. | Digital and insurtech insurers | 0.33% | — |
| — | LemonadeA New York app-based insurer selling car insurance priced partly on mileage and phone telematics in 12 states; owner of pay-per-mile pioneer Metromile. | Digital and insurtech insurers | — | — |
| — | MetromileThe San Francisco pay-per-mile car insurer Lemonade bought in 2022; its brand is being retired, and Metromile Insurance Company now issues Lemonade policies. | Digital and insurtech insurers | — | — |
| — | Mile AutoAn Atlanta managing general agent selling pay-per-mile car insurance that tracks mileage from monthly odometer photos instead of a device, in nine states. | Digital and insurtech insurers | — | — |
Ranked by 2025 U.S. private passenger auto direct premiums written, from NAIC market share data. NAIC groups combine affiliated companies, so a group may sell under several brand names.