Lemonade Auto Insurance: User Reviews and Quotes (2025)
Lemonade is an online insurance company offering car insurance coverage in several U.S. states.
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Lemonade offers a variety of insurance products throughout the U.S. The company has standard car insurance coverage options and add-ons, though it sells these policies in only seven states.1 Lemonade stands out for its hassle-free claims and application processes.
But Lemonade hasn’t received ratings from major industry players like AM Best and J.D. Power, and it has a very high complaint index with the National Association of Insurance Commissioners (NAIC).
Comparing car insurance quotes is the best way to find a policy that meets your needs. Here’s what you need to know about car insurance from Lemonade.
How Lemonade compares to other insurance companies
Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
How Lemonade auto insurance works
Lemonade is an insurance company that offers car, renters, homeowners, pet, and life insurance policies. It sells and underwrites policies and handles claims and payouts. You can set up a Lemonade insurance policy online or through the company’s mobile app.
All drivers with auto coverage from Lemonade need to have the mobile app because the company uses telematics technology to price premiums, gather information for claims, and locate drivers for emergency and roadside assistance. You manage your policy and file claims through the app as well.
Unlike many other insurance companies, Lemonade’s profits don’t come from unclaimed premiums. Instead, it takes a flat fee out of every premium. It also donates a portion of leftover premiums to various charities.3
Lemonade car insurance coverage options
Lemonade sells car insurance policies in these seven states: Arizona, Illinois, Ohio, Oregon, Tennessee, Texas, and Washington. You can get standard state-minimum liability insurance coverages from Lemonade, as well as a variety of other coverage options.
Here are the auto insurance coverages that Lemonade currently offers:4
How to get a quote from Lemonade Insurance
To get a car insurance quote from Lemonade, head to the insurance company’s car insurance page, and click “Prices” at the top of the screen. You’ll then provide some personal information and go through a variety of questions about your location and ZIP code, your vehicle, how you use the car, and any drivers you want on the policy.
Once you’ve finished the process, Lemonade will give you monthly and semi-annual premium options. You can also add or remove coverages and customize your deductible and limits to see your premiums adjust accordingly.
Lemonade car insurance discounts
Lemonade offers several discounts that can save you money on your car insurance premiums:
Electric or hybrid car: Lemonade offers a discount for policyholders with hybrid or electric vehicles. It also covers emergency charging and damage to wall chargers.
Low mileage: If you don’t drive much, you can earn a discount for it. You’ll need to enable location services on the Lemonade app to qualify.
Bundling: If you purchase other insurance policies from Lemonade — like home, rental, pet, or term life insurance — you can earn a discount on your premiums.
Good driver: Safe driving habits can qualify you for discounts. Lemonade uses its mobile app to calculate this.
Early coverage: If you sign up for Lemonade before your coverage start date, you can also get a discount on your premium.6
How customers feel about Lemonade
Lemonade tends to have positive customer reviews. The company currently has 4.4 out of 5 stars on Trustpilot but only 2.08 out of 5 stars on its Better Business Bureau (BBB) profile.
The company doesn’t have many industry rankings, but it has a high number of customer complaints filed with the NAIC.
Lemonade ratings
Looking at reviews and ratings is a smart way to assess how a company does business, though Lemonade doesn’t have ratings from AM Best and J.D. Power. Learn more below.
Other options for Lemonade customers
Lemonade offers several other types of insurance coverage, and purchasing one of these policies could qualify you for a bundling discount on your premiums.
Lemonade currently offers the following financial products in addition to car insurance:
Pet insurance: Lemonade pet insurance is a type of insurance that can cover veterinary services for dogs and cats.
Life insurance: These policies provide compensation to your loved ones if you pass away.
Homeowners insurance: Lemonade homeowners insurance policies cover property damage to your house or condo and the belongings within it. They also include liability coverage.
Renters insurance: Lemonade renters insurance policies protect your belongings (like furniture or musical instruments) against theft and damage while you live in a rental property.
How to file a claim with Lemonade
To file an insurance claim with Lemonade, you’ll need to use the insurance company’s mobile app. The company advertises a hassle-free claims process.
Here’s what that process looks like:
Tap the “File a Claim” button in the app. The tool will guide you through the whole process.
Record and submit a video. Detail the accident, theft, or other event that you’re filing a claim for. Make sure you note the resulting damages or injuries.
Await approval. Lemonade’s AI will instantly approve some claims. If your claim doesn’t have instant approval, a human claims representative will process the claim.
If your claim goes to a human representative, they may contact you for more information. Once Lemonade approves your claim, you’ll receive your payment.
Lemonade insurance FAQs
The following information can help you learn about Lemonade. A number of factors will determine whether Lemonade or another insurer is the best for your coverage needs.
Is Lemonade legitimate?
Yes. Lemonade is a legitimate insurance company that sells car, renters, homeowners, pet, and life insurance. It has licenses to underwrite and issue insurance and doesn’t have links to any fraudulent practices.
Is Lemonade good at paying claims?
Lemonade Insurance Company has high customer ratings on Trustpilot, with a star rating of 4.4 out of 5. But the company has a much higher NAIC Complaint Index than average, which reflects a large number of customer complaints. Lemonade doesn’t have ratings from AM Best or J.D. Power, so it’s harder to assess financial strength and customer satisfaction.
How do you contact Lemonade customer service?
The best way to contact Lemonade is to use the mobile app or log in online. If you’re unable to use Lemonade’s website or app, you can also call 1 (844) 733-8666 or email [email protected] for claim-related concerns.
How do you cancel your Lemonade insurance policy?
You can cancel your Lemonade insurance policy through the Lemonade mobile app. You should also receive a refund for the remaining policy period. Before you cancel your coverage, it’s a good idea to sign up for a new policy that begins before your old policy ends to avoid a lapse in coverage.
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