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Affordable Auto Insurance Guide

Reasonable rates. Eco-friendly. Tailored to your driving habits.

Innovative Auto Insurance

We utilize location-based technology to enhance and make your insurance more cost-effective.

Fast Claims Resolution

Providing info to speed up your claim

Fair Rates Based on Your Driving

Drive better to earn a reduced premium and discount

We'll Plant Trees for Your Car

Let us reduce your car's carbon footprint with tree planting

Emergency Collision Support

We'll detect and assist with accidents promptly

Complimentary Roadside Aid

Towing, jump-starts, tire changes, and winching - all on us!

What's Covered?

From minor collisions to complete losses, our team is prepared to assist!

If You're in an Accident

We cover any repair or recovery expenses

If You're Stranded on the Highway

We offer roadside assistance for tows, jumps, and more

If the Unexpected Occurs

We'll protect against damage from fires, weather, vandalism and more

If Your Glass is Damaged

We'll handle repairs for windshields, moonroofs, and more

If You're Sued for Liability'

We'll cover your legal defense costs

If Your Car Gets Stolen

We'll cover the expense of replacing it

Low-mileage Drivers Pay Less

The FIG app sets your insurance cost based on your driving habits. Drive less, reduce emissions, and pay less!

Electric and Hybrid Vehicles Enjoy Lower Costs

Eco-friendly vehicles cut CO2 emissions, so we offer special coverages and discounts for electric and hybrid cars

Emergency Charging

If your battery dies, we'll send a charging truck

EV/Hybrid Discounts

Extra discount for eco-friendly drivers

Charger Coverage

We'll help replace your wall or portable charger if needed

Save Even More With Our Auto + Home Bundle

Your bundle discount applies automatically to any product mix

CAR + HOME

CAR + RENTERS

CAR + PET HEALTH

CAR + TERM LIFE

Good To Know...

Auto insurance can be confusing, so we simplified it. Still have questions? Check out our guide.

How do you help me clean up CO₂?

Reducing your carbon footprint by planting trees! Recognizing that an average car emits 4.6 metric tons of CO₂ annually, we've committed to planting trees. Our app calculates the number of trees needed based on your mileage.

Can I trust FIG?

Certainly. Unlike many new insurance companies, FIG is an insurance carrier reinsured by some of the industry's most reputable names. We hold an A-Exceptional rating for financial stability.

Do all drivers need the FIG app on their phone?

They do. We use ‘telematics’ to price our policies fairly, to help with fast claims, provide on-site emergency services, and to calculate your CO₂ emissions so we can plant trees in your name.

Is it okay to disable location services for the Lemonade app?

FIG Car requires location services to operate at all times. Please keep it on so we can provide you with our full service.

Can I switch now if I’m currently insured elsewhere?

Certainly. Once you've signed up for a FIG policy, remember to submit a cancellation request to your current carrier to ensure seamless coverage. Our team is here to assist you!

What happens if I’m in an accident?

After ensuring everyone's safety, file a claim through our website, a quick and straightforward process. Answer a few questions and follow the steps. We'll reimburse you for repairs or replace your car on covered claims.

I’m an Uber/Lyft driver, can I use your insurance?

Not at the moment. Our existing coverage is only applicable to drivers who do not use their cars for business or commercial purposes. Apologies!

I’m buying a new car, how do I insure it?

After obtaining a FIG Car policy, adding a new car is a breeze through the app or website. If you're purchasing a new car while initiating a policy, we can offer same-day coverage, and our team is ready to assist!

Can I edit my coverage after purchase?

No worries. You can modify your coverages by adjusting limits and deductibles through our website whenever you choose.

What happens if someone who’s not insured hits my car?

You're protected. Many states mandate coverage to ensure you're not stranded in a difficult situation if an uninsured driver causes an accident. Your FIG Car policy will handle the costs in such covered claims.

How do you calculate my price?

We consider various factors to determine a precise and equitable price, taking into account your car's model, your location, and driving history. Essentially, safe, low-mileage drivers pay less.

What discounts do you have for eco-friendly cars?

We provide discounts for electric and hybrid cars, and we also offer coverage for emergency charging and damages to you.