In August 2026, Lemonade Car expanded its offerings to Florida and is now available in states that account for nearly 50% of the U.S. car insurance market.
“Florida is one of the largest and fastest-growing personal auto markets in the country, including millions of working-age, digital-native drivers concentrated in fast-growing metros like Miami, Tampa, Orlando, and Jacksonville. These drivers are the type of digital-first consumers who want insurance that’s fast, mobile, and fair, based on how they drive, that gives discounts for cars like EVs, and more,” said Shai Wininger, president and co-founder of Lemonade.
It also expanded into Missouri, becoming the first state where the company offers both standard and autonomous car insurance. Tesla drivers in Missouri using Full Self-Driving (Supervised) will receive a 50% discount on every mile driven with the technology enabled, starting at launch.
Auto insurance coverage options
Lemonade bought Metromile in 2022. Lemonade offers the standard coverages you would expect from any auto insurance company. Those are broken down into three major categories listed below.
Liability coverage
This form of insurance protects you from damages you cause to others or property that does not belong to you. The two types of liability coverage are:
- Bodily injury coverage: If you cause an accident, this coverage pays for any costs related to injuries or deaths of others (not those in your own vehicle, however). This type of coverage also might protect you if you are sued for causing an accident and need to hire a lawyer.
- Property damage coverage: This coverage reimburses you for damages you cause to others’ property.
Vehicle coverage
Many types of protection are available in this part of your auto insurance policy. They include:
- Roadside assistance: This coverage helps you access help such as towing, flat tire changes and jump-starts.
- Underinsured motorist property damage: Reimburses costs if an uninsured or underinsured driver hits you. This coverage is not available in every state.
- Collision and comprehensive coverage: Collision coverage reimburses you for damages to your car that result from a collision with another object, such as a pole or building. Comprehensive coverage reimburses you for damages or losses to your car that do not result from a collision, such as damage caused by hail or theft.
- Deductible-free windshield repair: If your windshield is damaged and does not need a full replacement, Metromile (Lemonade) will pay for the repair and will not require you to pay your deductible.
Medical coverage
This coverage reimburses medical costs for both you and others. Examples include:
- Underinsured motorist bodily injury: Reimburses you when another driver is at fault for an accident but has insufficient liability insurance to cover your medical costs.
- Uninsured motorist bodily injury: Reimburses you — and your passengers — for medical costs when another driver is at fault but does not have car insurance.
- Personal injury protection: Reimburses you for expenses beyond medical bills, including loss of income and funeral expenses. Benefits vary by state.
- Medical payments coverage: This reimburses you for medical deductibles and copayments that your health insurance company — or the health insurance companies of your passengers — do not cover.
Where is Lemonade car insurance available?
Arizona, California, Colorado, Florida, Illinois, Indiana, Missouri, Ohio, Oregon, Tennessee, Texas and Washington.
Car insurance claims
You can make the Lemonade claims process easier by filing your claim through the mobile app.
When filing a claim, have some information handy, such as:
- Policy number
- Date of accident
- Location of the accident
- Description of the accident
- Party names and vehicles involved
As a Lemonade claims review proceeds, the best way to check the status of your claim is to call or email your claims representative at [email protected].
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