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car Insurance by Lemonade
Drive with telematics

Insurance That Costs Less
When You Drive Less

Super fast everything. Seamless claims. Built on 3 billion miles of data.
Check our pricesGreat home + car bundles!

A new kind of car insurance

We use a smart device to make your insurance better and more affordable.

Super fast
 claims resolution

We’ll handle your claim quickly with the extra details we have.

Fair prices, based exactly on how you drive

Our device let’s us track your mileage down to a single foot.

free

Emergency
 crash assistance

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

soon

Parking notifications

We’ll keep track of your spot and send you street sweeping reminders.

Theft recovery

If your car is stolen, our device will help us locate it and return it to you.

soon

Mechanical alerts

From tire pressure to engine malfunctions, we’ll keep you in the know.

Driving less than you used to?

Since your monthly mileage determines your premium,

if you’re not driving, you won’t pay more than your low base price

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.

Roadside assistance

Get tows, jump starts, tire changes, and winching.

If your car
is stolen

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

If you’re sued for liability

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

Save even more with our Car + Home bundle

We’ll automatically apply your bundle discount to any combination of our products
Car + Home
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 does pay per mile car insurance work?

Pay per mile is exactly what it sounds like: Car insurance that’s priced based on your mileage. You have a low monthly base rate plus a few cents per mile. That means you get a low price based on how you actually drive, with zero mystery.

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.

Will my price change each month?

Yes. Your price will change each month depending on the number of miles you actually drive. So the less time you spend behind the wheel, the more you’ll save over time.

Do I need to drive with a device in my car?

Yes. We use the device to price our policies fairly, track mileage, help with fast claims, and provide on-site emergency services. All you need to do is plug the device into your car's OBD-II port—the same thing your mechanic uses to check your car's health—and activate it using the Lemonade app.

How do I know this will be cheaper?

A pay per mile program could be a cheaper option than a traditional policy if you have a low-mileage lifestyle—like if you work from home, or regularly take public transit. Since the pricing is dynamic, you determine your price each month based on the miles you drive.

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!

How do you calculate my price?

We charge you for each mile you drive and add it together with your base price for your monthly total. Get a quote to see your base price and per-mile price.

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

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! Once you have a Lemonade Car policy, it’s easy to add a new car in the app mid-term.

Can I edit my coverage after purchase?

No problem. You can update your coverages and limits seamlessly on the Lemonade app whenever you’d like. Learn more about how you can edit and manage your policy on the Lemonade app here.

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.

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!

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.

Help