10 Ways to Unlock Car Insurance Discounts You Might Not Know About

Safe driving, low mileage, smart tech, bundling, and more… this guide breaks down how to unlock car insurance discounts that really add up

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1. Drive safer, get rewarded

The safer you are behind the wheel, the more you can save, no mystery math here

Stay off your phone
Rarely brake hard or speed
Keep a safe distance from others
Avoid driving at night

These behaviors unlock discounts offer 30 days of driving with our app

2. Don’t drive much? That’s a discount

If you mostly leave your car parked, we’ve got you. Low-mileage drivers pay less. 

Driving fewer miles = fewer chances of an accident = lower price

3. Drive with smart tech

Got a car with the latest safety gear? You're likely already earning a lower rate.

Automatic braking
Blind spot monitoring
Lane-keeping assist

We recognize the real value of tech that helps you avoid trouble

4. Stack your insurance

If you also have homeowners or renters insurance, bundling can lower your price on both

We make bundling painless—one app, one policy hub, one discount

5. Pay your way (and save doing it)

Your payment method can make a difference:

Pay for the full policy up front
Set a higher deductible

Less admin on our end = more savings for you

6. Add another car or driver

Whether it's your partner or your second ride, adding more than one car or driver can reduce the price per car

It’s kind of like buying in bulk—only it's insurance

check our prices

7. Stick with us

Loyalty can pay off. Discounts may grow when you renew, especially if your driving
stays solid.

No accidents
No claims 
No stress

The longer you’re with us, the better we can reward you

8. Take the simplest policy that fits

You don’t need to overbuy. Choose:

Minimum legal coverage 
Just the extras you really want 
Coverage based on how and where you actually drive

It's your policy—make sure it works for you, not someone else

9. Use our app

Seriously—using our app isn’t just for convenience. It helps unlock the safe driving discounts above and makes everything easier, from claims to reminders.

The smarter you drive with our app, the smarter your price gets

10. Keep your record clean

Clean record = cleaner price

3 years without tickets
5 years without accidents
5 years without claims

Good habits add up—sometimes in big ways

Car insurance discounts FAQ

Can homeowners get extra discounts on car insurance?

Yes! At Lemonade, homeowners get a discount on car insurance even if their home isn’t insured with us. Bundle car and homeowners insurance with Lemonade to unlock even more perks, including extra discounts and the convenience of managing all policies in one place.

Can I get a car insurance discount for driving with telematics?

Yes! It works a bit differently by state, but you get a discount on your Lemonade car insurance for driving with telematics enabled, which uses smart tech to track how, when, and how much you drive.

Opting in lets us reward safe, low-mileage driving with savings. Plus, it provides insights into your driving habits to help you stay safer on the road.

Can I get a car insurance discount for driving an electric vehicle or hybrid?

Yes! Lemonade offers discounts for hybrid and electric vehicles in some states. Driving a fuel-efficient car helps the environment, and can unlock car insurance perks. We also built our policies with extra coverage for drivers like you, including protection for your home charging station or portable charger.

Can I get a car insurance discount if I complete a defensive driving course?

Some states offer defensive driving courses that would qualify you for a discount on your Lemonade car insurance. These courses sharpen your skills with techniques like safe following distances, hazard recognition, and crash prevention. That makes us more excited to insure you!

What factors influence car insurance premiums?

Car insurance premiums are personalized based on a variety of factors that help your car insurance company understand your driving habits, car, and coverage needs. At Lemonade, we harness the power of tech to fairly price your policy.

Here are some key factors that can impact your premium:

Driving history: Safe driving habits and a clean record can lead to discounts
Annual mileage: The less you drive, the lower your potential risk, and your premium
Vehicle type: Cars with advanced safety features or anti-theft devices qualify for discounts
Location: Rates can vary based on where your car is registered and parked overnight
Coverage choices: The types and amounts of coverage you select, including your deductible, affect your premium

Every driver is different. That’s why premiums, and discounts, are tailored to your unique set of circumstances.

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Not all discounts are available in all states, and eligibility may vary—be sure to check your specific quote or policy details for accurate information. This list is for educational purposes only and is not exhaustive; additional discounts may be available depending on your state.

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