Metromile filed for a personal auto rate increase in California, proposing an overall rate impact of 6.9% under a prior approval filing. The filing reflects a higher actuarial indication of 32.2%, pointing to continued pressure on loss trends and pricing adequacy.

The program covers approximately 25,647 policyholders and $23.9 million in written premium, positioning it as a mid-sized book in the state. The proposed changes would generate about $1.6 million in additional premium if approved.

The filing also updates Metromile’s rating structure, which combines fixed daily premiums with variable per-mile charges. Pricing continues to rely on factors such as driving behavior, vehicle characteristics, mileage, and location-based loss experience.

The new rates are requested to take effect on August 17, 2026 for both new and renewal business.