Lemonade has filed updates to its personal auto insurance program in Tennessee that introduce separate rating treatment for autonomous driving miles, marking one of the insurer’s first filings to explicitly recognize supervised self-driving technology in pricing.

The filing, submitted on June 3, 2026, is scheduled to take effect for new business on August 3, 2026. Lemonade said the changes are rate-neutral and will not result in a premium increase for policyholders.

Under the revised pay-per-mile program, customers will pay a fixed base premium along with per-mile charges. For eligible vehicles, Lemonade will distinguish between miles driven by a human and miles driven while an autonomous driving system is engaged.

The filing identifies Tesla’s Full Self-Driving (FSD) feature as an example of autonomous driving technology eligible for the program. According to Lemonade, autonomous miles are those recorded while an approved autonomous feature is actively engaged and verifiable through vehicle data. All other miles are classified as human-driven. Eligibility is limited to approved vehicles and configurations for which the manufacturer allows Lemonade to access mileage data.

To support the new rating approach, Lemonade created an Autonomous Mileage Tier that applies only to autonomous miles. The insurer said it currently lacks sufficient internal claims data and is relying on external safety studies, including Tesla-reported data showing lower collision rates when FSD is engaged under driver supervision. Based on those findings, Lemonade assigned a lower expected loss cost to autonomous miles.

The filing also introduces a new Mileage Based Billing Endorsement, updated declarations pages showing separate mileage charges, and revised rules covering autonomous mileage bands, telematics groups, and mileage reporting procedures. Billable mileage is capped at 250 miles per vehicle per day.

Lemonade reported approximately $5.3 million in written premium associated with the Tennessee personal auto program.