Lemonade is introducing a usage-based car insurance program in Texas that charges different per-mile rates for miles driven by a human versus miles driven by a car’s automated driving system — believed to be among the first filings to price autonomous driving distinctly.

The program, filed through fronting carrier Home State County Mutual and targeting September 1, sits alongside Lemonade’s existing offering, now rebranded the “Unlimited Mileage” program. The new Pay-Per-Mile structure combines a fixed monthly base premium with separate per-mile charges, splitting those charges into a “human driver” rate and a lower “autonomous driver” rate that reflects the expected loss-cost difference between the two modes.

Eligibility is limited to connected cars equipped with an approved advanced driver-assistance system, with all vehicles on a policy required to participate in the same program. Mileage and driving mode are captured through a telematics device or tracking method, and a separate telematics scoring model applies to the human-driven portion but not the autonomous rate.

The filing leans explicitly on Tesla data to justify the discount. Lemonade notes it lacks credible internal loss experience for supervised autonomous miles, so it relies on external safety studies — citing Tesla’s reported figure of roughly 50% fewer collisions per million miles when Full Self-Driving (Supervised) is engaged — to set the Autonomous Mileage Tier.

Lemonade frames FSD as a driver-assistance feature requiring active supervision rather than full autonomy, and says tier assignments will be revisited via future filings as internal data accumulates and more systems come to market.