Lemonade Insurance Review (2026)
- Overall rating: good (3.4/5 stars)
- Average cost: $1,152 for a 6-month policy
- Digital Experience Score: Exceptional (4.8/5 stars)
Read more below to get a quote directly from Lemonade.
Lemonade Insurance: A good choice for tech-forward, low mileage drivers
Lemonade built its reputation on renters insurance and has gradually expanded its offerings to include homeowners, pet, and now auto insurance. After acquiring Metromile in 2024, Lemonade’s car insurance runs on a pay-per-mile model—but rates are roughly in line with the national average. The experience is sleek and app-driven,with easy quoting and policy management.
Lemonade Auto isn’t available in every state and doesn’t cover older cars. Reviews are mixed: customers like the digital ease of the platform, but auto is still finding its footing. Still, The Zebra gives it a good rating.
Available in Arizona, California, Colorado, Illinois, Indiana, Ohio, Oregon, Tennessee, Texas, and Washington.
Website User Experience: Easy-to-use website makes managing your policy simple.
Self-Service Options: Complete tasks independently without waiting for an agent.
Market Stability and Longevity: Unstable carriers may exit your market or face financial issues.
Consistency in Policy Terms: Frequent changes create confusion and coverage uncertainty.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Lemonade car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Lemonade is about $1,152.[1]
Updating data...
| Liability only | Full coverage |
|---|---|
| $546 | $1,152 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Lemonade stacks up against competitors →
Discounts offered at Lemonade: Limited
Lemonade doesn't advertise discount options — the company claims to offer you the best rate that it can after your initial ride-along. This is done by measuring a driver's habits through the initial test drive as well as the mileage. As such, don't expect discounts from Lemonade, and instead, take a close look at the outcome of your ride-along.
Compare with other companies
See how Lemonade stacks up against similar companies
Cost: $1,152 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Available in just eight states
- Low-mileage drivers could see some savings
- Tech-based approach may bring convenience and ease
Cost: $563 for a six month auto policy
Customer satisfaction: Medium
Our take:
- Cheaper prices than Lemonade
- Worse customer service scores than Lemonade
- Worse digital experience scores than Lemonade
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices to Lemonade
- Better trust and reliability than Lemonade
- Better bundling options than Lemonade
Lemonade's customer service & claims experience: Highs and lows
The Worst!
"The worst possible car insurance is Metromile-Lemonade, not only they are charging you ten times the price, but you'll never get your refund for their mistakes. They lie in the official papers (if you are not at fault in an accident, they put you at fault) and if you leave them they make sure you will hardly find another insurance." - Trustpilot
Switch to Lemonade!
"Lemonade insurance company covers so much, and fixed my car after I crashed it with no trouble. Definitely do recommend!!" - Clearsurance
Too expensive!
"Recently switched to Lemonade car insurance to save money, and I am NOT! I thought I was saving so much money with the initial $573 for the first 6 months. My GEICO renewal rate was around $700, so I decided to look elsewhere— but I am regretting it! Since my initial payment, every month I am charged $40-$95 extra. I don’t drive too often." - Yelp
How much will your rates climb after filing a claim with Lemonade?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,113 |
| One comp claim | $1,113 |
| Not-at-fault accident | $1,113 |
| Two comp claims | $1,113 |
| At-fault accident - less than $1000 | $1,678 |
| At-fault accident - $1000-$2000 | $1,678 |
| At-fault accident - greater than $2000 | $1,678 |
Source: The Zebra
Coverage options: Basic
The company provides the standard coverage options (liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, etc.) offered by most car insurance companies, but not much beyond this.
Customers with special coverage needs may find some of these options limiting. The company also offers:
✔️ Collision deductible waiver
Confirming your coverage is also easy to do on your Lemonade declarations page.
Carrier pulse: Recent news from Lemonade
- Lemonade proposes near-zero insurance for Tesla Full Self-Driving.[3]
Final thoughts: Is Lemonade right for you?
Lemonade could be a great fit for some—especially low-mileage drivers—but not ideal for everyone. Its availability is limited, coverage options are still developing, and while its tech-first, usage-based approach may appeal to digital-first shoppers, there are trade-offs. The company has below-average third-party reviews, an unknown financial strength rating (which speaks to its ability to pay claims), and a higher-than-average number of consumer complaints. In short: proceed with caution.
Frequently Asked Questions about Lemonade
Get quotes from Lemonade and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Beinsure. Beinsure
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.