# Just

> Just (Just Insure) is a Los Angeles-based insurtech offering pay-per-mile auto insurance. Instead of pricing premiums on demographics like age, sex or ZIP code, Just uses smartphone telematics to charge drivers for the miles they actually drive and reprices rates monthly based on how, when and where they drive. The model is aimed at low-mileage and safe drivers, with the company claiming savings of up to 50% versus traditional carriers. Founded in 2019 by Robert Smithson, Just launched in Arizona and has expanded into Nevada.

- **Founded:** 2019
- **Headquarters:** Los Angeles, United States
- **Founders:** Robert Smithson (Founder & CEO), Murray Macdonald (Co-Founder & COO)
- **Team size:** ~260 employees (third-party estimate)
- **Products:** Pay-Per-Mile Auto Insurance, Just Mobile App (iOS & Android), Coverage Options
- **Notable:** Reported a 65.8% direct loss ratio (year-to-date 2021) versus Root's 82% in 2020, Claimed ~40% savings for customers versus their previous insurer, Grew Q2 2021 revenue roughly 1,400% year-over-year

## Products & services

- **Pay-Per-Mile Auto Insurance** — Usage-based car insurance where customers are charged for the miles they actually drive, with rates repriced monthly based on driving behavior captured via smartphone telematics.
- **Just Mobile App (iOS & Android)** — App that delivers a quote in about 20 seconds, tracks mileage, manages policies and lets drivers choose weekly, bi-weekly or monthly payments.
- **Coverage Options** — Minimum liability, full coverage (collision, comprehensive, glass and liability), and uninsured/underinsured motorist protection.

## Achievements

- Reported a 65.8% direct loss ratio (year-to-date 2021) versus Root's 82% in 2020
- Claimed ~40% savings for customers versus their previous insurer
- Grew Q2 2021 revenue roughly 1,400% year-over-year
- Raised a total of about $28.85M across multiple rounds
- Expanded full pay-per-mile auto coverage in Arizona and launched in Nevada

## Latest updates

- **2022-07** — Raised a Series A round (~$14.7M) to fund expansion.
- **2021-09** — Announced $8M funding round led by CrossCut Ventures, ManchesterStory and Western Technology Investments.
- **2021-04** — Expanded pay-per-mile insurance to include full auto coverage (collision, comprehensive, glass, liability) in Arizona.
- **2020-07** — Secured $5.7M seed financing led by ManchesterStory.

## Links

- Website: https://www.just.insure
- LinkedIn: https://www.linkedin.com/company/justinsure
- Twitter/X: https://twitter.com/just_insurance_
- Facebook: https://www.facebook.com/GetJustInsure

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Profile page: https://yespress.io/just
Published by YesPress — https://yespress.io
Last updated: 2026-06-14