Lemonade submitted a rule filing in Illinois on March 5, 2026, revising the Partnership Discount provision in its private passenger auto program. The filing was approved and became effective March 9, 2026 for both new and renewal business.

The update does not change rates or the existing rating plan. Instead, the revision clarifies how Lemonade defines and applies partnership discounts within its auto insurance rules.

Under the revised Rule P50, a partnership discount applies when a policyholder belongs to a Lemonade affinity group. An affinity group is defined as an organization that has a written contractual agreement with Lemonade allowing its members or employees to receive a discount on insurance policies.

The rule specifies that:

• A policyholder may qualify for only one partnership discount.

• The discount is applied at new business.

• Customers cannot receive both a partnership discount and a multi policy discount.

• Lemonade will automatically apply whichever discount provides the greater benefit to the customer.

The company said the changes were made to clarify the definition of an affinity group and ensure consistent interpretation of the rule across policies.

The filing replaces the existing Rule P50 previously submitted under an earlier Illinois filing. No premium impact or policyholder count was included since the update relates only to rules governing discount eligibility rather than pricing changes.