Updated September 28, 2026 · SumCue Editorial Team
Lemonade vs Nationwide
Lemonade
Higher score in this comparison
Nationwide
Lemonade vs Nationwide: the differences
| Compare | LemonadeReviewVisitVisit | NationwideReviewVisitVisit |
|---|---|---|
| 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
- 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 is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
Nationwide
Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.
Score breakdown
| Area | Lemonade | Nationwide |
|---|---|---|
| Cost | 9.2Higher | 8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from. |
| Offer | 9.4Higher | 8.6 |
| Trust | 8.9 | 9.6Higher |
Feature by feature
| Insurance types | Lemonade | Nationwide |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Life | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
Where each is licensed and available
Available in 1 country for both. Additional countries for Lemonade: 4.
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.
A third option
Faye has premium from at $4.36, against $5 for Lemonade and $35 for Nationwide.
Faye reviewHow they place
| Ranking | Lemonade | Nationwide |
|---|---|---|
| Insurance | 31 of 627 | 33 of 627 |
| Life insurance | 10 of 238 | 12 of 238 |
| Car insurance | 12 of 279 | 14 of 279 |
| Home insurance | 11 of 258 | 13 of 258 |
| Pet insurance | 6 of 157 | 7 of 157 |
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 | $11 |
Median across 53 listed providers.
Pros and cons
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
Nationwide
Pros
- Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
- Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
- Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.
Cons
- Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
- Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
- The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.
Who each suits
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
Nationwide
Who it suits
- US households taking out several kinds of personal policy who want a single provider on the paperwork.
- Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
- Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.
Who should look elsewhere
- Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
- bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.
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
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
Nationwide
What can I insure with Nationwide?+
Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.
How much does Nationwide cost?+
Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.
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