Metromile – via Lemonade – has filed updates to its Oregon pay-per-mile auto insurance program, introducing a new underwriting segment tier into its rating structure. The filing was submitted on June 4, 2026, with proposed effective dates of June 8, 2026, for new business and July 8, 2026, for renewals.

According to the filing memorandum, the new underwriting segment tier structure will provide an overall 15% discount for all new business written after the effective date, while having no premium impact on existing policyholders.

The underwriting segment tier will be incorporated into Metromile’s rating algorithm alongside existing factors such as driving history, vehicle characteristics, garaging location, payment method, continuous insurance, and mileage-based variables. The new factor will apply across multiple coverages, including bodily injury, property damage, comprehensive, collision, personal injury protection, uninsured motorist coverages, roadside assistance, and autonomous vehicle coverage.

The filing adds a new underwriting segment tier factor table and related rule language describing how policies are assigned to tiers based on driver, vehicle, household, and policy characteristics.

Lemonade stated that the change is intended to implement the structure required for its underwriting segment tier framework and does not affect premiums for current customers.