Is Lemonade Car the right fit for you?
Last Updated: 08/20/2026
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Highlights
Financial Strength Rating
A-(Verified 08/20/2026)
Lemonade Car Review
Lemonade is a car insurance carrier based in New York, NY. The insurance company was founded in 2015 and offers car insurance in 10 states in the USA.
If you're considering whether Lemonade Car is a good option for you, read on.
Lemonade Car Pros & Cons
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Lemonade Car FAQ
What are the minimum and maximum liability coverage options available?
Policyholders can request a liability coverage of $25,000 to $500,000.
What is the minimum and maximum deductible you can choose for a policy?
Adding a deductible to your insurance policy can reduce your premium. Lemonade Car offers deductibles of $250 to $2,000.
What types of car insurance coverage options does Lemonade Car offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Lemonade Car customers can also add the following riders or endorsements to their insurance policies:
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Lemonade Car have roadside assistance?
Emergency Roadside Service available. Yes, Lemonade offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Lemonade Car offer ridesharing insurance?
No, Lemonade Car does not offer ridesharing coverage as a rider or endorsement.
What benefits does Lemonade Car offer?
Lemonade Car offers the following benefits to its customers:
- 24/7 Support Availability: Live online support anytime.
- Free Policy Cancellation: No cancellation fees for ending your policy early.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Lemonade Car offer?
When you ask for an insurance quote with Lemonade Car, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Lemonade Car.
How does Lemonade calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Lemonade is no exception. However, you can be confident that Lemonade Car will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Lemonade Car use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Lemonade Car insurance quote?
- Visit the Lemonade website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Lemonade Car
Message from our editor
What we love about Lemonade Car
Lemonade brings the same app-first approach to car insurance that it uses for renters and homeowners coverage. Quotes, policy changes, and claims are handled digitally, roadside assistance and rental car coverage are available, and there are no fees to cancel a policy. As a certified B-Corp, Lemonade also gives unclaimed premium to causes its customers choose.
What could Lemonade Car do better?
Car insurance is Lemonade’s newest product and is currently sold in only 10 states, so most drivers cannot buy it yet. There are no local agents, and the policy leaves out several options drivers often look for, including accident forgiveness, rideshare coverage, and trip interruption. Vehicle equipment discounts are also limited.
The Verdict
If you already use Lemonade for renters or homeowners coverage and live in one of the states where Lemonade Car is sold, it is worth a quote for the bundling discount and the digital claims experience. Drivers who want accident forgiveness, rideshare coverage, or an in-person agent should compare other carriers.
Other Services by Lemonade
Availability
Available in 10 states.
- Arizona
- California
- Colorado
- Illinois
- Indiana
- Ohio
- Oregon
- Tennessee
- Texas
- Washington
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