Lemonade Car review

Lemonade Car is the newest-style option here and the cheapest published one, with prices as low as $30 a month based on your driving profile. The price factors in mileage and driving behavior measured through the app, so low-mileage drivers benefit most, and Lemonade says that in some states not using the app or switching off location can affect your rate. EV and hybrid owners get a bonus discount and charger coverage for wall and portable chargers, which no other insurer on this list documents. Claims are filed in the app, and Lemonade uses driving data to plant trees based on your mileage. If you already hold Lemonade renters, home, pet or life, the bundle discount applies automatically. Rideshare coverage exists only in select states with certain companies. The limits are availability, since Lemonade Car is not available in every state, and the lack of agents, which matters most after a serious crash. We compared documented features and published prices.

Who it is for

Low-mileage and EV drivers comfortable doing everything in an app

Price

From $30 a month, based on your driving profile.

As low as $30/mo, based on your driving profile
Quoted from the vendor pricing page on November 11, 2026.

Key features

• Pricing that factors in how much you drive and how you drive
• EV and hybrid discounts plus coverage for wall and portable chargers
• Claims filed in the Lemonade app
• Bundle discount applied automatically with Lemonade renters, home, pet or life
• Rideshare coverage in select states with certain rideshare companies

Strengths and weaknesses

• Strength: Lowest published starting price on this list at $30 a month
• Strength: EV charger coverage is unique among the insurers here
• Strength: Same-day coverage when you buy a new car while opening a policy
• Weakness: Not available in every state; check by address
• Weakness: In some states, not using the app or disabling location can affect your price
• Weakness: No local agents

Key facts

• Starting price: $30 a month
• Pricing basis: Mileage and driving data
• EV extras: EV/hybrid discount, charger coverage
• Claims: In the app
• Buying channel: App and website

Where it ranks

Lemonade Car is No. 9 in our Best Car Insurance Companies verdict.