Lemonade is updating its pay-per-mile auto program in Washington, introducing a new pricing model that separates manual and autonomous driving, alongside a new coverage for home EV chargers.

The filing, submitted by Metromile Insurance Company, applies to private passenger auto policies and is scheduled to take effect October 7, 2026 for new business and November 6, 2026 for renewals.

At the center of the update is the addition of an “autonomous mileage tier.” The program now splits driving into two categories: manual miles and autonomous miles. Each is priced separately, with autonomous miles receiving a lower per-mile rate based on expected lower loss costs.

The approach relies on external data rather than internal experience. The company points to published safety data from Tesla indicating lower collision rates when its supervised Full Self-Driving feature is engaged, using that as a benchmark to justify reduced pricing for autonomous miles.

Under the structure, total premium combines a fixed base component with variable charges based on miles driven. Manual miles are priced at the standard rate, while autonomous miles are discounted through the new tier.

The filing also formalizes how mileage is tracked. Policyholders must use a telematics device or mobile app, with daily mileage caps and penalties applied when data is missing. If mileage cannot be verified, the insurer may assign assumed usage, typically 150 miles per day.

Alongside pricing changes, the company is introducing optional coverage for electric vehicle chargers installed at the insured’s residence. The endorsement provides up to $3,000 in protection for damage to the charger, with no deductible, and applies only when comprehensive coverage is in place.

The update reflects a broader shift toward usage-based insurance that accounts not just for how much people drive, but how the vehicle is operated—particularly as advanced driver-assistance systems become more common.