Fitness. Sleep. Steps. Why is your driving the one thing you’re not tracking?

If you’ve ever checked your sleep score before getting out of bed, counted macros, or hit a daily step goal, you know what it means to pay attention. You don’t leave things to guesswork. So why is your car insurance still priced like you do?

Your driving is generating data. You’re just not seeing it.

Every time you drive, you’re producing a stream of behavioral data: how smoothly you brake, how hard you accelerate, how often you pick up your phone, what time of day you’re on the road, how many miles you’re actually covering. It’s all there. It’s just been invisible to you.

Until now.

Lemonade captures your driving data and uses it to help customize your rate. Traditional factors like your age and zip code still matter, but we believe how you actually drive should play a starring role in what you pay.

For someone who already tracks everything else, this is the missing input.

And here’s where it gets interesting…

Most insurers price your policy on static assumptions – your age, your zip code, your car model. It’s the equivalent of estimating your fitness level based on your height and weight. Technically data, but nowhere near the full picture.

Your rate shouldn’t be based on what drivers like you tend to do. It should be based on what you actually do. Lemonade uses your real driving behavior to set your premium, and if you’re already a careful driver, that difference is probably worth money.

Getting started takes as little as 90 seconds

• Download the Lemonade app and answer a few quick questions
• Get your personalized quote instantly
• Enable location services so Lemonade can start reading your driving behavior

And when something goes wrong, Lemonade is ready.

The same technology that powers your driving data powers the entire Lemonade experience, including claims. No hold music, no paperwork, no waiting around to hear back.

It’s the kind of experience that earns a 4.9-star rating on the App Store, a 4.4 on Trustpilot, and a top-three J.D. Power ranking for customer satisfaction. When people actually use Lemonade, they tend to stick around — and tell their friends.

The bottom line

You don’t leave things to guesswork. So why settle for a premium that’s based on someone else’s driving record? Lemonade prices your policy around how you actually drive. It’s that straightforward.