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car Insurance by Lemonade
Drive with telematics

Protect Your Car,
Help The Planet.

Fair prices. Environment-friendly. Based on how you drive.
Check our pricesGreat home + car bundles!

A new kind of car insurance

We use location-based technology to make your insurance better and more affordable.

Super fast claims resolution

We’ll have extra details to help us handle your claim quickly.

Fair prices, based on how you drive

Get a discount, and earn a lower premium as you drive better.

whoa
yeah really

We’ll plant trees to clean up after your car!

Let us shrink your car’s carbon footprint by planting trees.

free

Emergency crash assistance

We’ll know if you’re in an accident and get you the help you need.

free

Free roadside assistance

Tows, jump starts, tire changes,
and winching - on us!

What’s covered

Whether it’s a fender bender or total loss, our team and app are ready to help!

If you’re in a car crash

We'll cover, or recover, the costs to repair the damage.

If you’re stalled on the highway

We include roadside assistance for tows, jumps, and more.

If the unexpected
happens

We’ll cover damage from fires, weather, vandalism, and more.

If your glass is
damaged

We’ll cover repairs for windshields, moonroofs, and more

If you’re sued for liability

We’ll help cover the costs of a lawyer to defend you.

If your car
is stolen

We'll cover the cost to replace it with a new car.

Low mileage drivers pay less

The Lemonade app lets us price your insurance based on how you actually drive,  and since driving less means fewer carbon emissions, we’ll charge you less!

EV and hybrid drivers pay even less

Environment-friendly cars dramatically reduce carbon dioxide emissions, so we added some special coverages and discounts for EVs and hybrids.

Emergency charging

If you’re stuck with a drained battery we’ll send a charging truck your way.

EV/Hybrid discounts

A bonus discount to thank environment-friendly drivers.

Charger coverage

If something happens to your wall or portable charger we’ll help replace it.

Save even more with our Car + Home bundle

We’ll automatically apply your bundle discount to any combination of our products
Car + Renters
Car + Renters
Car + Pet Health
Car + Pet Health
Car + Term Life
Car + Term Life
21st-century, award winning claims service
Our claims process is fast, seamless, and hassle-free. We’ll have your back whether you file a claim after a crash, if your car’s been vandalized, or if you need a tow in the middle of nowhere.
There when
you need us
Super fast
claim handling

America’s top-rated insurance,
now for your car

Most loved insurance in America
venkatesh4you

venkatesh kothapalli

venkatesh4you

What an amazing company! Wanted to give a shoutout to @Lemonade_Inc for reinventing insurance and having a big heart.

Isahq11

Rana

Isahq11

@Lemonade_Inc so quick and easy to get life insurance WOW!

RebeccaDay93

Rebecca Day

RebeccaDay93

I am EXCITED to have insurance!! (Like, who can say that?!?!) Every once in a while I encounter something that exemplifies just how GOOD a quality product can make a user FEEL. @Lemonade_Inc is just one such product.

peerlessmoney

Peerless Money

peerlessmoney

After shopping around for a small life insurance policy, I decided to go with @Lemonade_Inc
Why?
The sign-up process was easy.
Now my mom can stop bugging me about purchasing a policy lol

sarerics

Sarah K Ericson

sarerics

My mind is blown every time I use @Lemonade_Inc

anton

Anton Vuljaj

anton

Not going to lie...@Lemonade_Inc is a model example of how easy every insurance company should make it to buy their products.

GoldieChan

Goldie Chan 💚

GoldieChan

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI 💚👍

jputrevu

Jagannath Putrevu

jputrevu

@Lemonade_Inc has one of the best new user onboarding flows. They’ve streamlined the hell out of it and was so easy to sign up.

Beto619Chamorro

Béto Aguéro

Beto619Chamorro

This company made INSURANCE of all things fun and exciting. And then backed it up with a fantastic biz. I’m in awe of @Lemonade_Inc. 👏

MattSolomon1

Matt Solomon

MattSolomon1

I had just joined the "Lemonade" family and can't tell you all how elated as well fortunate I am to be part of the wonderful experience! - What a truly caring and amazing team, too! #SanDiegoCitySendingLove

regimesoftruth

Gentledogs

regimesoftruth

Love Lemonade as a thing in the world. Glad its here.

Apex_KJ

Kris

Apex_KJ

If interested in getting life insurance would HIGHLY recommend going with @Lemonade_Inc Frictionless-fast-policy easily managed from your phone

7investingSteve

Steve Symington

7investingSteve

Just bought a new 20-year term life insurance policy from @Lemonade_Inc.
The process in the app was seamless (dare I say kinda fun!), & their quote was slightly more than half the cost of another I received (and turned down) from a competing insurer.
Well done.

venkatesh4you

venkatesh kothapalli

venkatesh4you

What an amazing company! Wanted to give a shoutout to @Lemonade_Inc for reinventing insurance and having a big heart.

Isahq11

Rana

Isahq11

@Lemonade_Inc so quick and easy to get life insurance WOW!

RebeccaDay93

Rebecca Day

RebeccaDay93

I am EXCITED to have insurance!! (Like, who can say that?!?!) Every once in a while I encounter something that exemplifies just how GOOD a quality product can make a user FEEL. @Lemonade_Inc is just one such product.

peerlessmoney

Peerless Money

peerlessmoney

After shopping around for a small life insurance policy, I decided to go with @Lemonade_Inc
Why?
The sign-up process was easy.
Now my mom can stop bugging me about purchasing a policy lol

sarerics

Sarah K Ericson

sarerics

My mind is blown every time I use @Lemonade_Inc

anton

Anton Vuljaj

anton

Not going to lie...@Lemonade_Inc is a model example of how easy every insurance company should make it to buy their products.

GoldieChan

Goldie Chan 💚

GoldieChan

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI 💚👍

jputrevu

Jagannath Putrevu

jputrevu

@Lemonade_Inc has one of the best new user onboarding flows. They’ve streamlined the hell out of it and was so easy to sign up.

Beto619Chamorro

Béto Aguéro

Beto619Chamorro

This company made INSURANCE of all things fun and exciting. And then backed it up with a fantastic biz. I’m in awe of @Lemonade_Inc. 👏

MattSolomon1

Matt Solomon

MattSolomon1

I had just joined the "Lemonade" family and can't tell you all how elated as well fortunate I am to be part of the wonderful experience! - What a truly caring and amazing team, too! #SanDiegoCitySendingLove

regimesoftruth

Gentledogs

regimesoftruth

Love Lemonade as a thing in the world. Glad its here.

Apex_KJ

Kris

Apex_KJ

If interested in getting life insurance would HIGHLY recommend going with @Lemonade_Inc Frictionless-fast-policy easily managed from your phone

7investingSteve

Steve Symington

7investingSteve

Just bought a new 20-year term life insurance policy from @Lemonade_Inc.
The process in the app was seamless (dare I say kinda fun!), & their quote was slightly more than half the cost of another I received (and turned down) from a competing insurer.
Well done.

Good to know...

Car insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check car insurance explained.

How do you help me clean up CO₂?

By planting trees! We learned that a typical car emits 4.6 metric tons of CO₂ each year, which is a lot. So we decided we’ll plant trees to help shrink your carbon footprint, using our app to determine the number of trees based on your mileage.

Can I trust you guys?

Of course. Unlike most of the new insurance startups out there, Lemonade is an insurance carrier, reinsured by some of the most trusted names in the industry. We’re a public company, traded on the NYSE, and rated A-Exceptional for financial stability.

Do all drivers need the Lemonade app on their phone? (Yep!)

They do. We use ‘telematics’ to price our policies fairly, to help with fast claims, provide on-site emergency services, and to calculate your CO₂ emissions so we can plant trees in your name.

Is it okay to disable location services for the Lemonade app? (Nope.)

Lemonade Car requires location services to operate at all times. Please keep it on so we can provide you with our full service.

Can I switch now if I’m currently insured elsewhere?

Sure. You’ll need to send a cancellation request to your current carrier after you sign up for a Lemonade policy to make sure there’s no gaps in your coverage. Our team will be happy to help!

What happens if I’m in an accident?

Once everyone’s safe, you’ll need to file a claim through our app. It takes a couple of minutes and is super simple- just answer a few questions, and follow the steps. We’ll reimburse you for repairs or replace your car on covered claims.

I’m an Uber/Lyft driver, can I use your insurance?

Not yet. Our current coverage only works for drivers who don’t use their cars for business or commercial purposes. Sorry!

I’m buying a new car, how do I insure it?

Once you have a Lemonade Car policy it’s really easy to add a new car in the app or on our site. If you’re buying a new car when you open a policy we can provide same-day coverage - our team will be happy to help!

Can I edit my coverage after purchase?

No problem. You can edit your coverages by adjusting your limits and deductibles in the app or on our site whenever you’d like.

What happens if someone who’s not insured hits my car?

You’re covered. Most states require protection that guarantees you’re not left in a tough spot if an uninsured driver causes an accident, so your Lemonade Car policy will cover the costs of these damages in a covered claim.

How do you calculate my price?

We use a number of factors to calculate the most accurate and fair price, including your car’s model, as well as your location and driving history. In other words: Safe, low mileage drivers pay less.

What discounts do you have for eco-friendly cars?

We offer a discount for all electric and hybrid cars, plus we’ll cover you for emergency charging and damage to your wall charger.