The billing model is intended for low-mileage drivers and does not take driving style or behaviour into account (for determining rates or discounts).

[2] To measure mileage, the Metromile Pulse device is plugged into the onboard diagnostic (OBD-II) port of the car.

[5] Per-mile insurance through Metromile is currently available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

The Pulse device provided to per-mile insurance customers also collects data about trips and car health.

[17][18] In September 2016 they announced a new round of $192 million in funding and acquired a carrier which enabled them to start underwriting their own policies.