Lemonade launched its Lemonade Car insurance product in Missouri on September 2, 2026, and simultaneously brought its Autonomous Car pricing to the state, giving Missouri Tesla drivers 50% off every mile driven using Full Self-Driving (Supervised) from the first day of availability.
The dual debut marks the first time Lemonade has introduced its standard car insurance and its autonomous-vehicle pricing in a state at the same time, according to the company’s announcement.
“Missouri drivers are getting Lemonade Car and Lemonade Autonomous Car at the same time, which is a first for us,” said Shai Wininger, President and Co-Founder of Lemonade.
Pricing Tied to Autonomous Miles
Lemonade Autonomous Car is built around a per-mile pricing structure that distinguishes between human driving and miles covered while Tesla’s FSD (Supervised) system is engaged. The company said its pricing models reflect reduced accident risk during autonomous operation and pass those savings to Tesla drivers from the start, rather than phasing the discount in over time.
Wininger described the mechanism in the announcement: “Tesla’s safe FSD (Supervised) tech reduces the chances of getting into an accident. Our intelligent pricing models see this in the data and can pass real savings, with high precision, on to Tesla customers, right from the start.”
The underlying product connects to Tesla’s Fleet API, which gives Lemonade access to vehicle data with a customer’s permission, according to the company’s January launch announcement. Lemonade said that data feeds into its usage-based risk prediction models, which distinguish between autonomous and human driving and price risk based on factors including the autonomous software version installed in the car and the precision of its sensors.
Lemonade unveiled Autonomous Car on January 21, 2026, calling it a first-of-its-kind product designed specifically for self-driving cars, starting with Tesla FSD. The product began rolling out in Arizona on January 26, 2026, with Oregon following a month later. Lemonade said at the time that it expects further per-mile reductions as Tesla releases FSD software updates, and Wininger committed that prices will drop as the software becomes safer.
The policy structure supports intermittent FSD use and households that mix Teslas with standard non-FSD vehicles from other manufacturers under a single policy, the company said.
Availability and Rollout
Missouri drivers can get a quote through the Lemonade app or at lemonade.com/car, and Tesla owners can enroll in Autonomous Car pricing at tesla.lemonade.com/fsd. Additional savings are available when car coverage is bundled with Lemonade Renters, Pet, or Home insurance.
Missouri joins a state-by-state expansion that has continued through 2026. Lemonade’s standard Car product, which supports most popular cars as well as Teslas, has been available in Arizona, California, Colorado, Illinois, Indiana, Ohio, Oregon, Tennessee, Texas, and Washington, and the company added Florida on August 26, 2026. With the Florida launch, Lemonade said its car insurance was available in states representing nearly 50% of the U.S. car insurance market.
On the autonomous side, Lemonade brought Autonomous Car insurance to Indiana on June 3, 2026, and to Tennessee on August 3, 2026, according to the company’s Tennessee announcement. Missouri is the first state where both products have arrived together.
Lemonade, a New York-based insurance carrier, offers renters, homeowners, pet, car, and life insurance across the US, UK, and Europe. The company said it serves more than 3 million customers and employs a team of more than 1,200. It is a Certified B-Corp, and its Giveback program, which donates a percentage of leftover premiums to nonprofits selected by its community, has donated over $10 million to organizations in need, according to the company.
