Updated September 28, 2026 · AssureCue Editorial Team
Lemonade vs Nationwide
Lemonade vs Nationwide: the differences
| Compare |  Lemonade | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | $5Lower | $35 |
| Insurance types | Auto, Home, Renters, Life, Pet | Auto, Home, Renters, Life, Motorcycle, PetCovers more |
| Cover limit | Up to $100,000,000 | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | App, Phone, EmailCovers more | Phone |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 9.1.
- Founded is lower at Nationwide: 1925 vs 2015.
- Lemonade is available in 4 more countries.
- Premium from is lower at Lemonade: $5 vs $35.
- Insurance types: only Nationwide offers Motorcycle.
- Claims channels: only Lemonade offers App, Email.
- Support channels: only Lemonade offers Email, Chat.
Our verdict on each
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | Lemonade | Nationwide |
|---|---|---|
| Cost | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. | 8.8 |
| Offer | 9.4Higher | 8.7 |
| Trust | 8.9 | 9.6Higher |
Which one suits you
Pick Lemonade if cost, offer, premium from, and claims channels matter most.
Pick Nationwide if trust and insurance types matter most.
What each covers
| Insurance types | Lemonade | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
A third option
Faye has premium from at $4.36, against $5 for Lemonade and $35 for Nationwide.
Faye reviewWhat we checked
Lemonade
- lemonade.com: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
How they place
| Ranking | Lemonade | Nationwide |
|---|---|---|
| Car insurance | 14 of 394 | 19 of 394 |
| Home insurance | 15 of 273 | 19 of 273 |
| Renters and contents insurance | 4 of 78 | 5 of 78 |
| Life insurance | 10 of 263 | 15 of 263 |
| Pet insurance | 10 of 163 | 12 of 163 |
Every fact side by side
| Fact | Lemonade | Nationwide |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Lemonade Insurance Company | Nationwide Mutual Insurance Company |
| Headquarters | United States | United States |
| Founded | 2015 | 1925Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Lemonade | Nationwide | Median |
|---|---|---|---|
| Premium from | $5below the median | $35above the median | $16.55 |
Median across 60 listed insurance providers.
Pros and cons
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
Who each suits
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Lemonade | Nationwide |
|---|---|---|
| France | Yes | No |
| Germany | Yes | No |
| Netherlands | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | Yes |
Questions about each
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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