Driver type National average liability-only monthly premium National average full coverage monthly premium Clean driving record $105 $192 Speeding ticket on driving record $141 $265 At-fault accident on driving record $146 $274 DUI on driving record $166 $313 Teen driver $194 $364 Senior driver $85 $160 Data sourced from Insurify A.M. Best, a company that assesses an insurance company's financial soundness, didn't rate Lemonade car insurance. I like that Lemonade is a good option for people who don't drive much and don't mind having their insurance carrier monitor their driving habits.