# Metromile

**Canonical:** https://apis.io/providers/metromile/  
**Website:** https://www.metromile.com/  
**APIs profiled:** 1

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.

## Kin Score — 15.2 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 15.2).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Enterprise — onboarding: unknown, pricing: enterprise, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (1)

- **Metromile Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Plans (1)

- **Metromile Plans Pricing**

## Tags

Insurance, Telematics, Pay-Per-Mile, Auto Insurance, Claims Automation, Vehicle Diagnostics, Mileage Tracking, Insurtech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/metromile/). Scores are computed from the provider's own public artifacts under a published rubric.