- Good drivers or those who don’t drive often may find cheap rates with Lemonade.
- Many discounts available.
- Offers special discounts and benefits to hybrid and electric vehicle drivers.
- Roadside assistance is included with comprehensive and collision coverage.
- You can file a car insurance claim in the Lemonade app.
- Only available in six states: Arizona, Illinois, Ohio, Oregon, Tennessee and Texas.
- The customer service experience is generally limited to the Lemonade app or website.
- Ride share insurance is not available.
About Lemonade Car Insurance
Founded in 2015, Lemonade initially offered home and renters insurance. Lemonade Car launched in 2021 and offers all the basic coverages consumers need, such as liability, collision, and comprehensive auto insurance.
Car Insurance with Lemonade leverages IT with the in-demand Lemonade app that tracks key factors, such as miles driven and driving habits. Lemonade uses this data to determine auto insurance rates, which it advertises can be as low as $30 per month, depending on your driving profile.
Lemonade differentiates itself from other insurance companies by operating a different business model. For example, Lemonade is a public benefit corporation—a for-profit organization that adheres to standards that align the interests of its customers, employers, and society.
Lemonade is also B Corp certified, meaning it meets strict standards for social and environmental accountability, performance, and transparency. One way Lemonade does this is by donating a set amount of the premiums you earn to charity each year.
How does lemonade car insurance work
When you purchase a car insurance policy with Lemonade, underwriters will calculate your premiums based on factors such as your claims history, driving record, location, and age. You can apply for and purchase a policy through the Lemonade website or mobile app.
You may also be eligible for a discount after downloading the Lemonade app and enabling Location Services. Enabling this feature will allow your insurance company to monitor your driving behavior, which it will take into account when your policy is ready for renewal. If you are considered a safe driver, in addition to other factors such as a good claims history, you may receive a discount on your insurance premiums.
If you want to file a claim, you can do so through the app. Lemonade will request details about the incident, as well as other relevant documentation such as photos or videos detailing the incident. Any successful claims will be paid by depositing funds directly into your bank.
Types of car insurance offered by Lemonade
If Lemonade car insurance is available in your state, you can access the following types of coverage:
- Liability insurance.
- Coverage for uninsured and underinsured motorists.
- Comprehensive coverage.
- Collision coverage.
- Medical payments coverage (MedPay).
- Personal injury protection (PIP).
- Roadside assistance.
Other insurance products than Lemonade
Lemonade also sells other types of insurance, including:
Roadside assistance and roadside assistance services
If you purchase comprehensive and collision coverage with Lemonade, you’ll also get emergency and roadside assistance. You’ll need to enable location tracking in the Lemonade app.
- Emergency assistance: The app will alert Lemonade if you get into an accident. He will call you to check if he needs to send emergency services and see if you are injured.
- Roadside assistance: If your car breaks down, use the Lemonade app to request roadside assistance. Services include battery starting, towing, fuel delivery, flat tires, and more. Those who qualify can request up to three free services per vehicle listed throughout a six-month period.
Lemonade insurance for hybrid and electric cars
Policyholders are eligible for special coverage for their hybrid or electric vehicles.
- Wall charger cover: Lemonade will pay to replace your wall charger if it is damaged.
- Emergency shipping services: Lemon juice will help you charge your car if you are stuck on the road with a dead battery.
Car insurance reviews in lemonade
According to the most recent National Association of Insurance Commissions data, Lemonade has a very low score of customer complaints. This can indicate satisfaction among Lemonade customers, but it’s not the only metric to consider.
According to reviews on the Better Business Bureau website, Lemonade has a below average customer rating. Although many customers have noted how easy it is to purchase a policy or file a claim through Lemonade’s website or mobile app, some Lemonade auto insurance reviews indicate dissatisfaction with the company’s customer service interaction model.
Before you purchase a Lemonade car insurance policy, it’s a good idea to compare car insurance rates from at least two other companies. It’s also helpful to read many online reviews of the best car insurance companies and talk to friends, family, and colleagues about their car insurance company experiences.
Frequently asked questions about lemonade car insurance review
You can purchase a Lemonade car insurance policy through the company’s website or through the Lemonade mobile app.
Yes, Lemonade is a generally reliable company. It is a regulated insurance company, a public benefit corporation and a certified B-Corp.
Lemonade is a Certified B-Corp and a Public Benefit Corporation. Apart from being transparent about its operations, the insurance company annually donates a portion of the money it earns from premiums to various charities.
Yes, Lemonade has its own policies. The company also processes and pays its own claims.