Home State County Mutual Insurance Company has introduced updates to its Lemonade personal auto program in Texas, submitting a rate and rule filing that keeps overall pricing unchanged while adjusting underlying factors.

The filing, submitted on April 29, 2026, is set to take effect April 30, 2026 for new business and June 29, 2026 for renewals. Despite no overall rate change, the update affects a sizable book of 14,337 policyholders, representing roughly $19.6 million in written premium.

While the headline rate impact is neutral, individual policyholders may see meaningful variation. The filing allows for rate changes ranging from a 12.9% decrease to a 20.9% increase, reflecting adjustments at the segment level rather than across the board.

Bottom Line: Texas is Lemonade’s second-largest car insurance market.