Your Car Insurance Should Do More. With Lemonade, It Does.

Lemonade Car isn’t built like other insurance. No endless hold music, no one-size-fits-all pricing pulled from a spreadsheet. It’s insurance built around how you actually live: how you drive, what you own, who you love, and what you’ve put into your car. Here’s a clear-eyed look at what you actually get.

Your Driving Habits Set Your Rate

Most insurers look at who you are on paper. Your age, your zip code, a static snapshot of your history. Lemonade looks at how you actually drive, and prices your policy accordingly.

When Lemonade Car policyholders enable location services for the Lemonade app, they enjoy benefits and savings now, later, and as they drive. That means your premium isn’t a fixed number assigned at signup and forgotten. It’s a living reflection of your real behavior behind the wheel.

Here’s what the app actually tracks:

• Phone usage: The app monitors whether you’re using your phone while driving. Hands-free usage, like CarPlay, won’t affect your score, but holding your phone while driving can increase the risk of accidents. Staying off your phone entirely helps you stay focused and safe on the road.
• Driving behavior: Sticking to speed limits, avoiding hard braking, and driving at safer times all factor in.
• Mileage: If you don’t drive much, Lemonade Car will tailor your coverage based on your mileage. Someone who puts 50,000 miles on their car every year is much more likely to get in a crash than someone who only drives 5,000 miles. Drive less, and your rate reflects that.

The bottom line: the better and less you drive, the more you could save. And don’t worry, Lemonade Car is smart enough to know when you’re behind the wheel versus riding shotgun, so only your actual driving counts.

Crash Detection, Included

When you keep location services enabled, Lemonade does more than track your mileage. It’s got your back on the road. If you’re ever in a severe crash, Lemonade is designed to sense the impact, can alert emergency services, and help route critical data to the nearest 911 center, so first responders know what they’re walking into before they arrive. When you need help most, you don’t have to ask for it. 

Lemonade is already on it, and it’s all included with your policy.

Your Lemonade Policies Work Better Together

If you have more than one Lemonade policy, they’re working harder for you than you might think.

Say a break-in leaves your car window smashed and your laptop gone from the back seat. Your car policy handles the window, that’s physical damage to your vehicle. Your renters or homeowners policy handles the laptop, that’s personal property, and it’s covered even when it’s stolen from your car. Two policies, one incident, nothing falling through the cracks.

Your dog is in the car when you get into a collision. Your car policy covers their injuries up to $1,000 with comprehensive and collision coverage in select states. If the vet bills go beyond that, your Lemonade Pet policy steps in to cover the rest. Your car and your dog, both taken care of.

Bundle your car policy with another eligible Lemonade policy and you could save up to 10% on your premiums, depending on your state and product line. Your policies work better together.

Roadside Assistance, Right in the App

If your car breaks down, you shouldn’t have to dig through your glove box for a membership number. With Lemonade, roadside assistance is handled right from the app: the same one you use to manage your policy, file a claim, or check your coverage.

Signed up with Telematics? Roadside assistance is already included. Pay-per-mile drivers can add it on with a quick tap. Either way, when you need it, it’s there: one message to Lemonade and help is on the way.

If your car can’t be driven, Lemonade can arrange a tow to the shop of your choice. No phone trees, no callbacks, no waiting on hold.

Ready to See What You’d Pay?

You know what Lemonade Car can do. The only thing left is finding out what it looks like for you. Your rate is built around your real driving habits, your actual mileage, and the policies you already hold. For a lot of drivers, that math adds up to something better than they expected.

Getting a quote takes a few minutes. The coverage lasts a lot longer.