Lemonade Insurance Company filed a rate and rule revision for its private passenger auto program in Illinois, effective May 7, 2025 for new business and June 6, 2025 for renewals. The filing impacts 5,418 policyholders and $4.9 million in premium but carries no overall rate impact.

Changes include the introduction of a Partnership Discount (P50), though no active partnerships currently qualify, revised annual mileage rating factors, updates to the Household Risk Factor based on weighted driving data, and adjustments to base rates. The rate manual also differentiates between base rates for Direct and Agency channels.

The filing has been closed and accepted.