Metromile

Metromile is a pay-per-mile auto insurance platform powered by telematics and data science. Customers attach the Pulse OBD device to their vehicle to track mileage; premiums consist of a base monthly rate plus a per-mile charge, rewarding low-mileage drivers with significant savings. Beyond consumer insurance, Metromile Enterprise offers a cloud-based REST API platform for property and casualty insurers covering touchless claims automation, accident reconstruction (Replay), fraud detection (Detect), digital FNOL reporting (Report), and back-office workflow automation (Streamline). Metromile was acquired by Lemonade in July 2022.

Metromile is listed with 1 API on the APIs.io network. Tagged areas include Insurance, Telematics, Pay-Per-Mile, Auto Insurance, and Claims Automation.

Metromile’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.6/100 minimal ▬ flat Agent 1/100 human only saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessEnterprise

1 API

Insurance TelematicsPay-Per-MileAuto Insurance Claims Automation Vehicle Diagnostics Mileage Tracking Insurtech

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 9.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 2.2 / 17

Operational Transparency 1.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 0.0 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Developer Ergonomics scores 7.1 — up to +18.6 composite points Ask about this →
Access Clarity scores 12.8 — up to +17.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/metromile/apis.yml: open an issue on github.com/api-evangelist/metromile to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
FMCSA Registered Electronic Logging Devices	covered	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Metromile Enterprise API

REST API platform for property and casualty insurance carriers enabling touchless claims automation, digital first-notice-of-loss reporting, telematics-based accident reconstruc...

Metromile API pricing

Not yet checked against Metromile's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Pay-Per-Mile Personal Auto Insurance usage-based	—
Metromile Enterprise (B2B SaaS) enterprise-saas	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Metromile Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Metromile Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Metromile Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Metromile Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: metromile
name: Metromile
description: 'Metromile is a pay-per-mile auto insurance platform powered by telematics and data science. Customers attach
  the Pulse OBD device to their vehicle to track mileage; premiums consist of a base monthly rate plus a per-mile charge,
  rewarding low-mileage drivers with significant savings. Beyond consumer insurance, Metromile Enterprise offers a cloud-based
  REST API platform for property and casualty insurers covering touchless claims automation, accident reconstruction (Replay),
  fraud detection (Detect), digital FNOL reporting (Report), and back-office workflow automation (Streamline). Metromile was
  acquired by Lemonade in July 2022.

  '
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/metromile.png
url: https://raw.githubusercontent.com/api-evangelist/metromile/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.23'
tags:
- Insurance
- Telematics
- Pay-Per-Mile
- Auto Insurance
- Claims Automation
- Vehicle Diagnostics
- Mileage Tracking
- Insurtech
tags_raw:
- Insurance
- Telematics
- Pay-Per-Mile
- Auto Insurance
- Claims Automation
- Vehicle Diagnostics
- Mileage Tracking
- InsurTech
apis:
- aid: metromile:metromile-enterprise-api
  name: Metromile Enterprise API
  description: 'REST API platform for property and casualty insurance carriers enabling touchless claims automation, digital
    first-notice-of-loss reporting, telematics-based accident reconstruction, fraud detection, payment automation, and back-office
    workflow orchestration. Integrated via enterprise SaaS agreement.

    '
  humanURL: https://enterprise.metromile.com/platform/
  baseURL: https://enterprise.metromile.com
  tags:
  - Claims Automation
  - Telematics
  - Fraud Prevention
  - Insurance
  - REST API
  tags_raw:
  - Claims Automation
  - Telematics
  - Fraud Detection
  - Insurance
  - REST API
  properties:
  - type: Documentation
    url: https://enterprise.metromile.com/platform/
  - type: Website
    url: https://enterprise.metromile.com/
common:
- type: DomainSecurity
  url: security/metromile-domain-security.yml
- type: Website
  url: https://www.metromile.com/
- type: Documentation
  url: https://enterprise.metromile.com/platform/
- type: GitHubOrg
  url: https://github.com/metromile
- type: LinkedIn
  url: https://www.linkedin.com/company/metromile
- type: Blog
  url: https://www.metromile.com/blog/
- type: Pricing
  url: https://www.metromile.com/auto-insurance/
- type: StatusPage
  url: https://status.metromile.com/
- type: X
  url: https://x.com/metromile
- type: Plans
  url: plans/metromile-plans-pricing.yml
- type: RateLimits
  url: rate-limits/metromile-rate-limits.yml
- type: FinOps
  url: finops/metromile-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Metromile API — frequently asked questions

Does Metromile have an API?

Yes. APIs.io lists 1 API from Metromile, including Metromile Enterprise API.

How much does the Metromile API cost?

APIs.io lists 2 pricing plans for Metromile, with each plan's price, limits and inclusions under Pricing on this page.

Is the Metromile API ready for AI agents?

Metromile has a Kin Score of 9.6 out of 100 (minimal) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-13.

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