Direct answer
It depends on your specific location, claims history, and coverage limits, as Lemonade uses AI-based pricing that often undercuts traditional insurers but may not always be the lowest for every profile.
Publicly available rate filings submitted to state departments of insurance. For additional information about how insurance rates are regulated and filed at the state level, see the National Association of Insurance Commissioners (NAIC)‘s regulatory resources.
What this means for you
It depends on your specific location, claims history, and coverage limits, as Lemonade uses AI-based pricing that often undercuts traditional insurers but may not always be the lowest for every profile.
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