A Different Kind of Car Insurance

Let's explore the unique perks and benefits of Lemonade Car, a whole new way of doing car insurance.

Team LemonadeTeam Lemonade

When we decided to roll out car insurance, we wanted to make sure our drivers enjoy everything they already love about Lemonade: Instant everything. Great prices. Big heart. 

With Lemonade Car, we challenged ourselves to change the car insurance game. Our drivers can expect surprising features, delightful discounts, and earth-loving incentives to get you excited about driving with Lemonade. 

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We’re going to take you through the finer details of what we offer, and give you an inside look on what makes Lemonade Car special.

Lemonade Car discounts

We offer a wide range of discounts and savings based on how you drive, how often you drive, whether you have other Lemonade policies, and more. Let’s dive into some of them.

Low mileage savings

Do you mainly use your car for a short commute? Maybe you keep your wheels in the garage and hop on a bike for most of your daily errands? Great news: When you drive with Lemonade Car, you can help determine how much you save on your premiums based on how many miles you actually drive each month. 

Because of the importance of monthly mileage in your car insurance rates, we need to track your mileage with precision. When you buy a Lemonade Car policy, we’ll send you a device that lets us track your mileage, down to the foot. You’ll get one for each car on your policy, and you’ll need to plug the device into your car’s OBD-II port

Savings for safe driving habits

Do you usually stick to well-maintained roads, and avoid driving in heavy traffic? Are you gentle on your brakes at stop lights and turns? In addition to mileage, Lemonade Car’s plug-in device can detect good—as well as not so good—driving behavior. Practicing safe driving habits could potentially lead to lower insurance rates at renewals.

Signing up early? There’s savings for that too. 

If you sign up for Lemonade Car before your coverage start date, we’ll give you a discount. Planning ahead pays with Lemonade. 

Bundle your Lemonade policies and save

If you already have Lemonade renters, homeowners, pet, or life insurance coverage, you can bundle and save on each of your Lemonade premiums. 

Other features that make Lemonade Car special 

Crash detection and emergency assistance

If you get into an accident, we’ll be alerted and able to get in touch with you to make sure everything’s okay. From there, we can dispatch emergency services to the scene. Getting in a crash or fender bender is stressful enough, and this is one less thing you have to handle yourself.   

Just make sure to download the Lemonade app and enable location services. 

Planting trees while you drive 

You read that right. We’re excited to announce that we plant trees. When you’re driving with the Lemonade app—with location services enabled—we’re able to calculate how many trees to plant in order to help clean up carbon emissions from the miles you drive. 

It’s our small way of making the world a little bit greener, and helping us all breathe a little bit easier. 

Hit the road the Lemonade way 

Lemonade Car lets you enjoy all the things you love the most about our renters, homeowners, and pet health insurance coverages, now tailored to every facet of your car insurance experience.

Unconflicted claims

Here at Lemonade, we strongly believe your leftover premiums are not our money.

We’re able to keep our prices low while taking a flat fee up front to keep things running. The remaining money from your premiums is put aside to pay out claims, and if there’s funds left over, we donate it to charities you care about, via our Giveback program. This unique business model means that we have no financial interest in denying your claims, and we’ll never fight over the same coin. 

When you build your Lemonade Car policy, you get to choose a charity you care about to receive your unclaimed money.  In 2022, the Lemonade community donated over $1.8 million dollars to 59 vital charities. 

If you already chose a cause for a different Lemonade policy, you can skip this step.  Your unused premiums from all your policies will support the same cause—that’s a lot of impact! 

Fast & seamless customer experience

At Lemonade, we’re obsessed with our policyholders, which is why we’re committed to a frictionless, instant process through every stage of your car insurance journey. 

It all happens on our top-rated mobile app. From applying for your Lemonade Car policy, to filing a claim, receiving emergency assistance, or locking-in discounts—your coverage, and our service, is always at your fingertips. 

Check out why car insurance is better with the Lemonade app here.

Amazing coverage & great prices

Lemonade is already known for offering top-rated coverage at competitive prices, and our car insurance is no exception. Lemonade Car helps you get the coverage you need and the protection you want, while ensuring you meet your state’s requirements and restrictions. 

Let’s roll!

With Lemonade Car, we have made it our mission to get you covered, keep you safe, and even help you fall in love with your car insurance. Switch to Lemonade to enjoy offers, deals, and best in class coverage, all in the palm of your hand. Get the full scoop on Lemonade Car coverages here

We’re excited to share Lemonade Car with you. Click below to get your free quote started.

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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.represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.