Meet Raquel Rozas, Metromile’s New Head of Brand

We’re really making moves at Metromile and are excited to announce that Raquel Rozas is joining us as Head of Brand and Product Marketing. As we amplify our endeavors of disrupting the car insurance industry, Raquel will oversee all aspects of the Metromile brand, ensuring that the concept of affordable insurance for low-mileage drivers becomes synonymous with the Metromile name. A former Procter & Gamble executive, Raquel brings more than 10 years of brand experience from senior marketing roles, working with brands including Secret® and Tide®. We’re confident that this is exactly what we need to elevate the Metromile brand, and we’re also confident that Raquel’s answers to the questions below prove she will fit in perfectly with the Metromile team!


What excites you the most about joining Metromile? The opportunity to provide consumers with a more transparent and fair pricing option for car insurance, while at the same time providing them with excellent service be it with claims, help in finding parking or car diagnostics.

How do you commute to work? I just moved to the Bay area, so I’m in the process of exploring all the options. There are so many choices: train, bus, carpooling or ferry! Tomorrow I’m going to try out the bus system. The idea of a guaranteed seat and free Wifi sounds appealing to me.

Where are you excited to road trip to? Oh my….so many things I’m excited about. I already have a girls trip planned to Napa, but I’m also excited about Tahoe, Yosemite, Half Moon Bay, Highway 1 and San Luis Obispo… truly the options feel endless.

Which Metromile app feature is most helpful to you and why? The street sweeping alert is definitely one of the coolest features, but for someone who constantly forgets where they parked, the car locator will definitely come in handy.

Making Moves: Metromile Receives Strategic Investment

We are thrilled to announce that Intact Financial Corporation, the largest provider of property and casualty insurance in Canada, has made a strategic investment in Metromile.

Metromile Investment

2015 was an exciting year for Metromile – we launched a partnership with Uber, expanded to the East Coast and added to our executive team. Funds from this investment will be used to continue on our exciting journey by accelerating Metromile’s growth and offerings nationwide. For our customers, this means a continued focus on the customer experience from sign up through day-to-day needs, improved app technology and updated features, further development of the claims experience and much more. You’ll also be seeing a lot more of us around town!

Intact Financial shares similar values in transparency, customer experience and a technology-driving approach to insurance. The venture represents an exciting opportunity for Intact Financial to expand its core competencies which will ultimately enhance the customer experience.

To see more announcements from Metromile, visit our Press page. And if you are interested in our pay-per-mile insurance offering, you can learn more here.

How We Got Here: A Brief History of Pay-per-mile Insurance

Here at Metromile, we pride ourselves on being pioneers of the pay-per-mile car insurance model, providing a fair and affordable insurance for low-mileage drivers. Technically, we weren’t the first to introduce this idea, but we were (and still are!) the leaders in making it seamless, scalable and easy for everyone. We were founded exactly five years ago, and now have customers in seven states, from California to New Jersey (with many more coming soon). In celebration of our 5th birthday, let’s take a step back and explore how we got to where we are today.


One of the first times the per-mile insurance concept was introduced was in a report by William Vickrey in 1968, and later in a  report by the Brookings Institution in 2008. They hypothesized that if people paid for insurance by the mile, they would be incentivized to drive less since their bill would be based on mileage. The less someone drives, the less they would pay. To prove out the Brooking’s Institution’s theory, we recently ran a study with the Jackson Institute for Global Affairs at Yale University and found that our customers are already driving 6% less after switching to Metromile. This seemingly small number can actually have a significant impact on our economy and environment, especially if everyone reduced their driving by this amount. The benefits to per-mile insurance are clear, but the major insurance companies have been wary to use this model since low-mileage drivers (65% of the US, to be exact) are subsidizing the small handful of people that drive the most.

There have been a few smaller companies that ventured to test a per-mile insurance model, but they required setup that wasn’t exactly user-friendly. One company required a mechanic to install a mysterious black box in the car, and another relied on consumer-submitted photos taken of the odometer reading. None of them made for a hassle-free experience, which is necessary for the person that only occasionally uses their car.

That’s where Metromile comes in. We knew there was a need for a more fair car insurance, but the solution couldn’t involve complicated setups or time-consuming reports. Technology would be an important factor to measure miles driven, and it needed to be plug-and-play. Your mechanic already uses your on-board diagnostics port (OBD) to obtain car health data, so why not use the same port to gather mileage data? We had a solution, and the catalyst was that the sensors we needed to do this become inexpensive and reliable. So in 2011, we introduced a simple way for low-mileage drivers to save money with pay-per-mile car insurance. Just plug a device (we call it the Pulse) into the OBD-port of your car, and it will automatically track mileage. On average, we are saving our customers $500 a year, so we are pretty confident in our solution.

So where are we off to next? There are a lot of exciting stops on our roadmap, from state launches to helpful new app features. If you are currently a Metromile customer, we could not have gotten here without you, so we thank you all for your support. And if you aren’t currently a customer and don’t drive much, you can learn more about our innovative pay-per-mile insurance offering here!

Introducing John Orta, General Counsel at Metromile

We’re rapidly growing at Metromile, so as we scale, we are excited to announce that John Orta has joined Metromile as General Counsel and will oversee our legal, HR and recruiting teams. Before Metromile, John was Senior Vice President, General Counsel and Secretary at OpenTable (where you likely make all of your online restaurant reservations). In addition to serving on the executive team, he was responsible for all aspects of the company’s legal, HR, recruiting, fraud and risk teams, as well as the Chief Compliance Officer. John led the legal team during the company’s IPO and Secondary Offering in 2009, and OpenTable’s purchase by The Priceline Group in 2014. He also received the GC Impact Award from The Recorder in 2014 (a leading legal publication), so he’s kind of a big deal. To get to know John a little better, we had him answer a few quick questions.


What excites you the most about joining Metromile?
I honestly can’t limit it to one thing. First, I love companies that help people, and at Metromile not only do we provide a great insurance product that can provide substantial savings to our customers, but our app also has a suite of features that makes car ownership easier. That is a fantastic combination. Second, the people that work here are world-class and I could not be more excited to join this wonderful team and tackle the opportunity in front of us.

How do you commute to work?
I’m a BART guy. Even when it is crowded, I enjoy it. What I really need to do, however, is ride my bike to BART and burn some extra calories. That should be my new year’s resolution (but it isn’t). (more…)

Metromile Brings Pay-per-mile Car Insurance to New Jersey

Driving in New Jersey is expensive. In fact, it’s the fifth most expensive state to own a car in! Residents of the Garden State – you’re in luck because we’re here to make car ownership more affordable. Metromile is bringing the first and only pay-per-mile car insurance offering to New Jersey, so if you don’t drive much, you likely won’t have to pay much for car insurance.


With this revolutionary pricing model, your monthly bill will be determined by the miles you drive each month*. That means that the less you drive, the less you pay. On average, we are saving our low-mileage customers $500 annually. An increasing number of New Jerseyans are choosing to ride bikes, take trains or buses, or even walk instead of drive, so we expect to see a lot of people that will save money with per-mile insurance. Here at Metromile, we like to think of ourselves as the “uninsurance” company, making car ownership easy and affordable for low-mileage drivers.

We also alleviate many of the hassles of car ownership with our free smart driving app, which we just totally redesigned and gave a fresh coat of paint. Features include the ability to locate a missing car, view trip details, and decode those pesky check engine lights. The key to all of this is the Metromile Pulse, a device given to all per-mile insurance customers that plugs into the car’s OBD-II port to deliver useful data and insights.

New Jersey marks the third state on the East Coast where Metromile’s per-mile insurance is offered, and joins California, Illinois, Washington, Oregon, Virginia and Pennsylvania. We have more planned for 2016, so sign up for our waitlist to get notified when we arrive in your state!

*Insurance rates are determined by driving history and record, car make and model. Mileage does not determine the base rate or per-mile rate.

Pay-per-mile Car Insurance in the Spotlight

Have you heard the news? There’s been a lot of TV coverage lately about how much money Metromile’s pay-per-mile car insurance offering is saving low-mileage drivers, and we wanted to share the highlights with the whole Metromile community. Below is a segment that aired on CBS Philadelphia, featuring our fearless leader (aka CEO), Dan Preston, and a happy customer who is saving $90 per month on car insurance after switching to Metromile.


The customer, Adam VanCuren, was paying a hefty car insurance bill when he wasn’t even driving much. Since he works from home, his car usually just sits outside his house. Now that Metromile’s per-mile insurance offering is available in Pennsylvania (among other states), Adam could save $1,000 this year since his monthly bill is based on the miles he drives (or doesn’t drive).

A similar segment also aired in ChicagoPittsburgh and San Francisco, and we expect that the per-mile insurance revolution will continue to gain momentum as its affordability (and fairness) is proven. Are you a happy Metromiler and want a chance to bask in the spotlight yourself? Drop us a line at so we can contact you if we have the opportunity to share customer stories!

Welcome to Metromile’s New San Francisco Digs

We are finally all settled into our new San Francisco home and ready to show it off. Thanks to our friends at Geremia Design, we were able to transform an empty industrial space into a warm, open office with ample lounge areas and conference rooms. All with a Metromile touch to really make it our own!

New Metromile office
Photo: Cesar Rubio


Just like our customers, the majority of the SF Metromilers use public transit to get to work, so it was important to find a location convenient to multiple bus stops and train stations. And of course, it also needed to be easy to bike to. We were able to find a location that satisfied these requirements (bike racks and all!) and had a special surprise: a futuristic-looking facade that changes color at night.

New Metromile office

One of our goals at Metromile is to shake up the age-old insurance industry, so we wanted our interior office decor to reflect just that. This inspired us to include a few nods to old-school automobiles, but with a twist. We have a small antique car with a plant growing in it, a coffee table that doubles as a matchbox car display, a rearview mirror art installation and a conference room table that sits on car pistons.

New Metromile office

We wanted to tip our hat to our friends in the Tempe office, so we installed a large mural of a Route 66-esque road in the southwest. Other murals around the office invoke themes of travel, serving as reminders that Metromile is road trip friendly (our customers aren’t charged for driving over 250 miles each day) and motivation to get out on the open road. In other efforts to unite our fellow co-workers across the country, all of our offices (SF, Tempe and Boston) have conference rooms named after automobile influencers.

New Metromile office

One of the most important parts of the new office is the open kitchen that is large enough for the whole company to assemble in. No matter how big we grow, it’s always important that we can gather in one place to share and celebrate company successes. Or to start a friendly nerf-gun fight. During our office-warming party, it was a great place for guests to mingle with each other, and we expect to see many occasions like this in the future!

Meet James Moorhead, Metromile’s New Chief Marketing Officer

It’s clear we are going places, which is why we are bringing on a Chief Marketing Officer to spearhead our mission of showing everyone just how easy and affordable car ownership can be. James Moorhead, former CMO at Dish Network and senior marketer at Procter & Gamble, is joining Metromile to lead all marketing efforts including digital acquisition, public relations, content, social media and email communications. Not everyone knows how to shake up an age-old industry, so when we found out James had led the award-winning Old Spice revival of “The Man Your Man Could Smell Like,” we knew that he was our guy. We can’t wait to see how James elevates the Metromile brand, so to get things started, here’s a little Q&A with the newest member of the Metromile team.

James Moorhead, CMO, Metromile

What excites you the most about joining Metromile?
We have a huge opportunity to better serve consumers offering them so much more utility than the traditional car insurance companies. In addition to significant savings on insurance, we have a suite of unmatched benefits for our consumers including street sweeping alerts, ask a mechanic functionality, car locator and real-time driving statistics.

How do you commute to work?
My family is in the process of relocating from Denver, CO to the Bay Area. We have a rental in Berkeley so I plan on taking BART.

Where is your favorite place to road trip to?
I love to road trip in the mountains or to the beach. Living in Denver has been amazing because you are 30 minutes from hiking in the Rocky Mountains. We also lived in Boston and we often found ourselves on Cape Cod enjoying the Ocean. We are looking forward to spending more time in Lake Tahoe and Napa.

Which Metromile app feature is most helpful to you: street sweeping alerts, ask a mechanic, car locator, or viewing driving stats?
I love the mechanic feature. In the past, I always felt that the mechanics at the car dealership were taking advantage of me because they had all the information, and I had none. With the real-time car diagnostics, I know much more about my car and feel empowered to make more informed decisions.

A road-trip-lover and public-transit-commuter? Sounds like James will fit in perfectly with the Metromile community. Stay tuned to see how he takes Metromile to the next level!

Hello, Pennsylvania! Per-mile Insurance & Driving App Now Available

The wait is over. Per-mile insurance is now available in Pennsylvania! We are rewriting the rules of the road by introducing a totally new type of car insurance where the monthly bill is based on miles driven.


Over 60% of drivers in Pennsylvania are considered low-mileage (drive less than 200 miles per week), and large cities like Philadelphia and Pittsburgh already have great public transportation and bike-friendly commute options. In fact, Philadelphia has more bike commuters per capita than any of the other ten biggest cities in the U.S. It is likely that Pennsylvanians who rarely drive are overpaying for car insurance, so we anticipate that pay-per-mile car insurance will be much-needed solution!

We also plan to help Pennsylvanians become smarter drivers with our smart driving app. Insurance customers will receive the Metromile Pulse, a device that plugs into the car’s OBD-II port to deliver useful driving data and smart services.

Pennsylvania is the second state on the East Coast where we offer per-mile insurance, and we have more planned on our roadmap. Sign up for our waitlist if you would like to be notified when we arrive in your state!