2026年1月21日
NEW YORK–(BUSINESS WIRE)–Lemonade (NYSE: LMND), the digital insurance company powered by AI and social impact, today announced the launch of Lemonade Autonomous Car insurance, a first-of-its-kind product designed specifically for self-driving cars, starting with Tesla FSD.
纽约--( 美国商业资讯 )--由人工智能和社会影响力驱动的数字保险公司 Lemonade (NYSE: LMND) 今日宣布推出 Lemonade 自动驾驶汽车保险，这是专为自动驾驶汽车设计的首款同类产品，首先面向特斯拉 FSD。
The new offering cuts per-mile rates for FSD-engaged driving by approximately 50%, reflecting what the data shows to be significantly reduced risk during autonomous operation. Lemonade expects further reductions as Tesla releases FSD software updates, which are anticipated to make the cars even safer over time.
新方案将启用 FSD（全自动驾驶）驾驶模式的每英里费用降低了约 50%，这反映了数据显示自动驾驶过程中风险显著降低。Lemonade 预计，随着特斯拉发布 FSD 软件更新，费用还将进一步降低，因为这些更新有望使车辆随着时间的推移变得更加安全。
The launch is the result of a technical collaboration with Tesla, giving Lemonade access to vehicle data that was previously unavailable. Data captured then feeds into Lemonade’s usage-based risk prediction models, already among the most advanced in the industry, to uniquely distinguish between autonomous and human driving, as well as predict risk based on the autonomous software version installed in the car, the precision of its sensors, and more.
此次发布是与特斯拉进行技术合作的成果，使 Lemonade 能够获取此前无法获得的车辆数据。收集到的数据随后被输入到 Lemonade 基于使用情况的风险预测模型中。这些模型已是业内最先进的模型之一，能够独特地区分自动驾驶和人类驾驶，并根据车辆中安装的自动驾驶软件版本、传感器精度等因素预测风险。
“Traditional insurers treat a Tesla like any other car, and AI like any other driver,” said Shai Wininger, co-founder and president at Lemonade. “But a car that sees 360 degrees, never gets drowsy, and reacts in milliseconds can’t be compared to a human.”
“传统保险公司对待特斯拉就像对待其他任何汽车一样，对待人工智能就像对待其他任何驾驶员一样，”Lemonade 联合创始人兼总裁 Shai Wininger 表示。“但是一辆能够 360 度环视、永不犯困、反应速度在毫秒级的汽车，根本无法与人类相提并论。”
“Our existing pay-per-mile product has given us something no traditional insurer has: a unique tech stack designed to collect massive amounts of real driving data for precise, dynamic pricing. Lemonade Autonomous Car was built on that foundation,” Wininger said.
Wininger 表示：“我们现有的按里程付费产品为我们带来了传统保险公司所不具备的优势：一套独特的技术体系，旨在收集海量的真实驾驶数据，从而实现精准、动态的定价。Lemonade 自动驾驶汽车正是建立在这个基础之上的。”
Lemonade supports intermittent use of FSD, as well as households with a mix of Teslas and standard non-FSD vehicles from other manufacturers, all under one policy. Customers can also unlock additional discounts for safe driving behavior, as well as savings for bundling with Lemonade’s Homeowners, Renters, and Pet insurance.
Lemonade 支持间歇性使用 FSD（完全自动驾驶）功能，也支持拥有特斯拉和其他厂商生产的普通非 FSD 车辆的家庭，所有车辆均可纳入同一份保单。客户还可以通过安全驾驶行为获得额外折扣，以及通过捆绑 Lemonade 的房主、租客和宠物保险享受优惠。
Lemonade’s approach reflects its broader strategy of using AI to gain operational efficiency and pricing accuracy, passing savings directly to customers. The company has stated its ambition to become the lowest-cost, best-experience insurance in the world, and Lemonade Autonomous Car insurance is another step toward that goal.
Lemonade 的做法体现了其更广泛的战略，即利用人工智能提高运营效率和定价准确性，并将节省的成本直接回馈给客户。该公司已明确表示，其目标是成为全球成本最低、体验最佳的保险公司，而 Lemonade 自动驾驶汽车保险正是朝着这一目标迈出的又一步。
“Teslas driven with FSD are involved in far fewer accidents,” Wininger added. “By connecting to the Tesla onboard computer, our models are able to ingest incredibly nuanced sensor data that lets us price our insurance with higher precision than ever before.”
“配备 FSD 功能的特斯拉汽车发生事故的概率要低得多，”温宁格补充道。“通过连接到特斯拉车载电脑，我们的模型能够获取极其精细的传感器数据，从而使我们能够以前所未有的精度进行保险定价。”
“Beyond the product announcement today, we’re also announcing our commitment to the Tesla community – the safer FSD software becomes, the more our prices will drop,” Wininger said.
“除了今天发布的产品之外，我们还要宣布我们对特斯拉社区的承诺——FSD 软件越安全，我们的价格就会下降得越多，”Wininger 说。
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