Lemonade introduced a private passenger auto insurance program in Florida, with a requested effective date of June 30, 2026 for new business. The filing shows the company built the program using Progressive’s approved Florida auto rating plan as a baseline while layering in Lemonade-specific telematics, territory, underwriting, and discount models.

According to the filing, the program is designed to target “responsible, tech-savvy insureds” and relies heavily on mobile telematics data for pricing. Lemonade said it intends to use internal driving score models, territory modeling, and vehicle VIN factors to refine risk segmentation and pricing accuracy.

The filing introduces several new discounts, including an environment-friendly car discount for electric and hybrid vehicles, a smart technology discount tied to vehicle safety features, and a partnership discount connected to distribution or affinity relationships.

Lemonade also outlined several operational features within the rule manual, including a $12 policy fee for direct-channel policies and a $5 installment fee for billed payment plans.

The program includes Lemonade’s telematics program, underwriting segment tiering, multi-policy discounts, rideshare and delivery coverage endorsements, homeowner indicators, safe driving discounts, and affinity-based discounts.

The filing additionally confirms that Lemonade uses credit information and insurance scores in underwriting and rating.