Just Insure

What Just Insure does

Just Insure is a pay-per-mile auto insurance company founded in 2019 and headquartered in Los Angeles. The company serves individual drivers in Arizona and Nevada, with a usage-based pricing model designed primarily for low-mileage drivers. Just Insure's core product is auto insurance priced at approximately $1.20 per day plus 11 cents per mile, billed based on actual miles driven as detected by the company's mobile app.

The underlying technology stack is built around telematics: the mobile app uses GPS for automatic trip detection, captures odometer readings via photo verification, and analyzes driving behavior signals including speed, acceleration, and braking. The platform also supports Bluetooth vehicle detection and connected car integration to improve trip capture accuracy and reduce friction. Coverage products include Minimum Liability, Full Coverage, Uninsured/Underinsured Motorist coverage, and a Just Unlimited option that offers per-day unlimited miles. The company also offers International Driver Insurance for non-US license holders.

Just Insure distributes through three primary channels: direct-to-consumer via the mobile app, an Agent Portal supporting an agency partner program (underwritten with Kemper), and comparison platforms including Insurify and Compare.com. The company is privately held with approximately $29.96M in cumulative funding from investors including ManchesterStory, Crosscut Ventures, Plug and Play, Scope Industries, Trust Ventures, and Western Technology Investment. Its leadership team comprises Robert Smithson (CEO), Murray Macdonald (COO/CPO), and Gregory Lyons (CFO). The company has accumulated approximately 4,855 customer reviews with 2,000+ five-star ratings, indicating meaningful traction within its two-state footprint.

Name

Just Insure

Legal name

Just Insure, Inc.

Website

https://just.insure

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Just Insure is a pay-per-mile auto insurance company founded in 2019 that serves low-mileage drivers in Arizona and Nevada with GPS-based usage tracking, charging approximately $1.20 per day plus 11 cents per mile through a mobile app and agent network.

Ownership category

akta.pro rank

Product category

Usage-Based Auto Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pay-Per-Mile Personal Auto Insurance (FSAJAAAC)

akta.pro secondary industries

Usage-Based / Telematics Personal Auto Insurance (FSAJAAAB), Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

Keywords

• Pay-per-mile auto insurance
• Usage-based insurance
• Telematics car insurance
• Mobile insurance app
• Behavior-based pricing

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Pay-per-mile Insurance Premiums: Low monthly base rate plus per-mile charges. Customers pay based on actual miles driven, tracked via GPS and odometer verification.
2. Unlimited Miles Policies: Traditional unlimited mileage policies available. Customers who drive more can switch to unlimited plans with flexible payment options (weekly, bi-weekly, monthly).
3. Security Deposit: A security deposit may be requested to initiate policies, remaining untouched during term and applied to outstanding balance upon termination or expiration.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Just Insure sells personal auto insurance priced by actual miles driven rather than demographic factors. Its two core products are Pay-per-mile Insurance (a low daily base rate plus per-mile charges, with mileage verified through a mobile app that uses GPS, odometer photos, and Bluetooth vehicle detection) and Just Unlimited (traditional unlimited-miles coverage with flexible weekly, bi-weekly, or monthly payments). Policies are underwritten by Just Insure, Inc., marketed through Just Insure Agency, Inc., and currently sold in Arizona and Nevada.

Product overview

Just Insure is a pay-per-mile auto insurance company offering two core insurance products: Pay-per-mile Insurance (charging based on actual miles driven with a low base rate plus per-mile charge) and Just Unlimited (per-day pricing with unlimited miles for high-mileage drivers). Customers can switch between plans instantly with zero fees through the Just Insure Mobile App. The company also offers a web-based Agent Portal for insurance partners to quote and service policies. Coverage types include Minimum Liability, Full Coverage, and Uninsured/Underinsured coverage. The company serves Arizona and Nevada markets, with specific products for international drivers accepting foreign licenses and alternative identification documents.

Differentiator

Problem solved

Functional benefit

Brands

• Just Unlimited: Traditional insurance plan with unlimited miles for high-mileage drivers
• Pay-per-mile

Products and services

• Pay-per-mile Insurance Usage-based auto insurance product charging a low monthly base rate plus a few cents per mile driven, with mileage tracked through the Just Insure mobile app using GPS, odometer photos, automatic trip detection, and Bluetooth vehicle detection. Designed for drivers who travel under 1,000 miles per month, including work-from-home, retired, city-dwelling, and weekend-only drivers.
• Just Unlimited (Per-day) Insurance Traditional unlimited-miles auto insurance plan with predictable per-day pricing and flexible payment scheduling (weekly, bi-weekly, or monthly). Targeted at drivers traveling 1,200+ miles per month, including long commuters, road-trippers, and ride-share or delivery workers. Customers can instantly switch between Just Unlimited and Pay-per-mile with zero fees.
• Just Insure Mobile App Mobile application for iOS and Android that enables policy management, automatic trip detection, odometer photo submission, GPS-based mileage tracking, driving behavior monitoring, connected-car and Bluetooth vehicle detection, and instant switching between per-mile and unlimited plans.
• Just Insure Agent Portal Web-based platform at agents.just.insure that allows independent insurance agents and agency partners to quote, bind, and service Just Insure policies with a 60-second application process. Includes training materials, user guides, underwriting guidelines, and appointment scheduling for both Pay-per-mile and Just Unlimited plans.
• International Driver Insurance Auto insurance product accepting international driver documentation from any country, including foreign licenses, Matricula Consular, Mexican passports, Driver Authorization Cards (DAC), and US driver licenses held by non-US citizens. Provides personal auto coverage regardless of immigration status, with privacy protection against sharing identification with immigration authorities.

Quantifiable outcome

• Save up to 50% on auto insurance premiums
• +5 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• InsurifycoreChannel Partner/ Reseller/ DistributorInsurance comparison platform listing Just Insure alongside other carriers. Customers can compare quotes and purchase Just Insure policies through the Insurify platform.
• Compare.comcoreChannel Partner/ Reseller/ DistributorInsurance comparison marketplace featuring Just Insure. Allows consumers to comparison shop and purchase Just Insure coverage.
• KempercoreStrategic or Co-development PartnerInsurance carrier partner. Kemper is a leading insurer providing underwriting support and financial backing for Just Insure policies.
• Access InsuranceminorChannel Partner/ Reseller/ DistributorAgency partner offering Just Insure products to their customer base through their insurance agency platform.
• Express InsuranceminorChannel Partner/ Reseller/ DistributorInsurance agency partner distributing Just Insure policies to consumers through their agency channels.
• Freeway InsuranceminorChannel Partner/ Reseller/ DistributorInsurance agency partner offering Just Insure products to their Spanish-speaking and general customer base.
• GonzalezTaxminorGTM or Marketing PartnerTax and financial services partner cross-promoting Just Insure to their customer base, particularly relevant for international drivers seeking insurance services.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Metromile: Metromile was the leading pay-per-mile auto insurer in the US, offering usage-based pricing very similar to Just Insure's core product. Acquired by Lemonade in 2022, it represents the closest historical competitor and validates the pay-per-mile thesis.
• Mile Auto: Mile Auto is a direct pay-per-mile auto insurance startup focused on low-mileage drivers, mirroring Just Insure's core value proposition. Both companies target similar use cases: work-from-home, retired, urban, and infrequent drivers with usage-based pricing.
• Root Insurance: Root Insurance is a usage-based auto insurer that prices policies based on driving behavior captured through a mobile app, comparable to Just Insure's telematics-driven approach. Both are app-first digital insurers targeting behavior-based pricing rather than demographic factors.
• Noblr: Noblr was a usage-based auto insurance company that priced policies based on driving behavior rather than demographics. Acquired by Liberty Mutual in 2021, it competed directly with Just Insure's pay-per-mile and driving behavior analysis approach.
• Branch Insurance: Branch Insurance is a digital-first auto, home, and umbrella insurer offering a streamlined online experience similar to Just Insure's mobile-app-centric model. Both target modern consumers seeking simpler digital insurance experiences.
• Clearcover: Clearcover is a digital-first auto insurance carrier that uses technology to offer lower rates and a streamlined claims process. Comparable to Just Insure in being a tech-focused auto insurer targeting cost-conscious consumers through a mobile-first experience.

Broad incumbents

• Progressive: Progressive is one of the largest US auto insurers and operates Snapshot, its usage-based insurance program with telematics-driven pricing. While much larger and broader, it competes with Just Insure in the usage-based pricing space across the same target customers.
• Allstate: Allstate is a major US P&C insurer offering Drivewise, its telematics-based usage program that prices based on driving behavior. Competes with Just Insure's behavior-based pricing model as part of a much broader product portfolio.
• GEICO: GEICO is one of the largest US auto insurers and offers telematics-based pricing programs. As a dominant direct-to-consumer auto carrier, it represents the entrenched incumbent that usage-based specialists like Just Insure are disrupting.
• Lemonade: Lemonade is a digital-first insurtech that acquired Metromile to enter auto insurance. Comparable to Just Insure as an app-first insurance technology company, though Lemonade operates across multiple insurance lines including renters, homeowners, and now auto.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Just_Insurance_
• Facebookfacebook.com/GetJustInsure
• LinkedInlinkedin.com/company/just-insurance/about
• Instagraminstagram.com/getjustinsure

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds6 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Just Insure