Lemonade’s Metromile Insurance Company has filed a new auto rating program in Indiana, targeting a revenue-neutral base rate. Lemonade Car launched in the state on July 7, 2025.
The program introduces four internally developed pricing models covering vehicle risk, vehicle symbols, geography and policy retention. The first three inform coverage pricing, while the policy survival model determines acquisition pricing factors.
The filing also adds a Good Payer discount for drivers without prior cancellations for nonpayment and an Advance Quote discount. Other elements draw on existing Lemonade filings and competitor programs, including Travelers, Progressive, Allstate and American Family.
The rating plan accommodates both unlimited-mileage and pay-per-mile policies. Lemonade said a program factor is designed to maintain the same overall rate level between the two options.
Submitted October 30, the filing was marked “Filed” on November 5, with a requested November 30, 2026 effective date for new business. Existing policies would move to the new rating program through a subsequent filing after an evaluation period.
The submission does not provide a policyholder count or an overall dollar premium impact.
