Metromile Insurance Company, a subsidiary of Lemonade, has received approval from the California Department of Insurance for a personal auto rate revision. The filing, submitted in October 2024, was approved on June 27, 2025, with new and renewal rates effective August 6, 2025.

The approved change results in a 4.7% overall rate impact, affecting more than 30,000 policyholders and around $30.6 million in written premium. While the company initially indicated a 24.8% change, the approved adjustment reflects a smaller increase. The filing notes that some customers could see rate changes as high as 27.7% or as low as a 10.1% decrease.

The process involved multiple rounds of objections and responses between Metromile and state regulators, with revisions to rate manuals, supporting exhibits, and actuarial justifications. Regulators emphasized that any future changes to underwriting guidelines or coverage terms would require separate review.

This update highlights Lemonade’s ongoing adjustments to its auto insurance pricing strategy in California, where regulatory scrutiny of rate hikes remains particularly rigorous.