Just provides auto insurance that is, well, more just. Instead of your rate being set by who you are – your age, zipcode and marital status – your rate is set by how you drive. This means that for the first time, there is a real financial incentive for people to make smart driving decisions. Unsafe driving doesn’t lead to the possibility of an accident, it leads to the certainty of paying more on your insurance. For younger drivers, or those who might have been in an accident, or just happen to live in the wrong zipcode, this means better – perhaps dramatically better – rates. Founded by Greg Ferkel, Murray Macdonald, and Robert Smithson in 2019, Just Auto Insurance is backed by investors that include Robert Smithson and is headquartered in Los Angeles.