Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 11, 2020

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The Zebra Overview
The Zebra Key FactsDetailsSource
FoundersJoshua Dziabiak and Adam LyonsThe Zebra
Founded In2012The Zebra
Headquarters1801 E 6th St #200, Austin, Texas 78702The Zebra
Phone1.888.255.4364The Zebra
The Zebra
Employees51 to 200LinkedIn
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With so many auto quote comparison companies on the internet, it can be hard to pick a company with the best rate comparisons. If you make a wrong choice, you could end up choosing a company that doesn’t fit your needs and price range.

The Zebra auto insurance review will look at one of the top auto insurance quote providers, seeing if the company provides all that it promises. We’ll cover everything from the history of The Zebra to how to get a quote, so you can make an informed decision about using The Zebra to save on auto insurance.

This quick review of The Zebra will tell you if it’s the right tool for your auto insurance needs. Want to start the process of finding cheap auto insurance quotes right away? Befor you jump into our The Zebra auto insurance review, enter your ZIP code in our free tool above.

The Zebra Auto Insurance

The use of artificial intelligence to compare auto insurance quotes online quickly is a fairly new technology, as several companies were founded around 2010. The Zebra itself was founded in 2012 by Joshua Dziabiak and Adam Lyons, and the company has grown to be one of the biggest quote comparison giants.

It offers quotes for both home and auto insurance, and it does provide auto insurance reviews as well. Just because a company has a large percentage of the market, though, doesn’t mean you should pick it.

In this section, we are going to go over The Zebra’s ratings, how it makes money, and where The Zebra gets its data from. This will help us establish if The Zebra is trustworthy and accurate.

What are The Zebra’s ratings?

One of the best ways to determine if a company is trustworthy and provides excellent service is to look at multiple review sites. Whether you want to find reviews or The Zebra reviews, it is important to find reputable review sites. We’ve collected the ratings from a few different reviews of The Zebra to see what customers think of the company. The table below shows these ratings.

The Zebra's Ratings
ReviewerRatingNumber of Reviews
Shopping Approved4.7 out of 51,580
Consumers Advocate3.8 out of 5NA
Clearsurance3.88 out of 5418
Better Business BureauA48
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The Zebra has some great customer ratings. The lowest rating it received was a 3.8 out of 5, but this is still a good rating. However, one rating that we want to discuss more is the Better Busines Bureau’s (BBB) rating of The Zebra. We need to point out that The Zebra is not BBB accredited. This means that the BBB’s rating of The Zebra does not include customer complaints or the company’s commitment to the BBB.

Instead, The Zebra’s rating is based on the following factors:

  • Type of business
  • How long the company has been in business
  • Transparency of business practices
  • Any licensing and government actions the BBB is aware of
  • Advertising issues

An A rating is not the highest rating (an A+ is the highest), but an A is still a decent rating. Watch the video below for more information on the BBB’s ratings.

Overall, the ratings of The Zebra suggest that the services it provides are legitimate and valued by customers. Make sure that you check reviews on reputable sites, rather than looking for The Zebra reviews on Reddit. it is important to do this every time you are using a rate comparison site, as they ask for sensitive information.

So if you are questioning is Gabi safe, look up reviews before getting an online insurance quote from Gabi (this applies to any site, from The Zebra to NerdWallet.

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How does The Zebra make money?

Is the legit? You are probably wondering how a company that provides free quotes can make money. According to Fortune magazine, The Zebra works similarly to how an independent insurance agent operates. It has contracts with various insurance providers, which is how it gets rate data. If a customer from The Zebra goes on to buy insurance from one of The Zebra’s contracted companies on the website, The Zebra will make money.

In some states, The Zebra is even licensed to sell insurance for companies. This means that you can purchase insurance directly from The Zebra Insurance Agency in some states. So why do customers choose to go through The Zebra rather than directly to insurers’ websites? The appeal of The Zebra is that you only have to fill out quote information one time to get quotes from multiple different companies. This saves time, and it also saves customers money.

The ability to be able to see multiple, personalized insurance quotes at once helps customers pick an insurance company that fits their budget and their insurance needs. The Zebra blog also helps customers pick out a company by offering information and advice on insurance. Before you jump over to The Zebra, though, keep reading to learn about where The Zebra gets its data from and how to get a quote.

What companies does The Zebra get quotes from?

How does The Zebra insurance work? The Zebra is partnered with over 100 companies, and the company claims it has partnerships with 90 percent of the top insurance companies. Some of the big names you may recognize are Liberty Mutual, Geico, Travelers, Farmers, State Farm, and American Family.

So if you are looking to get a Geico quote but want to make sure you are getting a good deal, you can easily get a quote for Geico as well as other top companies with The Zebra.

However, unlike other companies, The Zebra doesn’t have a full list available on their website of what companies they are partnered with. So until you get your quote, you won’t know what insurers are available on The Zebra.

We can tell you, though, is how The Zebra formulates its rates. According to the website, The Zebra uses the following factors to formulate personalized quotes:

  • Location: The ZIP code you live at will change your auto insurance rates. Why? Think of how crime, weather, natural disasters, and crashes can change when you move from city to city or state to state.
  • Demographics: By demographics, we mean your age, gender, marital status, credit score, homeowner status, and education level. Some of these demographics will be used by insurers to calculate risk, such as age, while other demographics will be used to calculate discounts, such as homeowner status.
  • Insurance history. If you have had any illegal lapses in insurance, insurers will raise your rates. What does it mean to let your car insurance lapse? It means you are no longer paying for insurance, so anything that goes wrong, you’ll need to pay for out of your pocket.
  • Driving history: If you have had any accidents, tickets, or DUIs, your insurance rates will be higher.
  • Vehicle: Some vehicles are simply safer than other vehicles and have cheaper repair parts. If you need help deciding which vehicle to buy, check the National Highway Traffic Safety Administration (NHTSA) for vehicle safety ratings.

The Zebra’s quote form will ask questions about all of these categories to determine rates for you. Not sure what average rates should be? Take a look at the table below to learn what basic averages are for drivers with clean records.

Average Annual Auto Insurance Rates by Coverage Type
Type of CoveragesAverage Annual Rates
Full Coverage$954.99
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The Zebra Pros and Cons

In our review of The Zebra so far, we have covered ratings, how The Zebra works, and how to get a quote. Now, we want to take everything we’ve learned, and look at the pros and cons of The Zebra. Laying everything out in black and white will help you determine if The Zebra is the right rate comparison for you.

The Zebra’s Pros

There are a number of great pros to The Zebra’s website and how it functions. The Zebra is a reputable company with great customer reviews, these pros reinforce The Zebra’s standing.

  • You can access ten quotes for your area by filling out only one quote form.
  • You don’t have to submit a phone number (which can lead to numerous calls). The Zebra also states that it won’t sell your information to third parties.
  • The Zebra is partnered with top insurers like Liberty Mutual, Travelers, Farmers, State Farm, and American Family.
  • You can adjust the level of coverage to see changes in rates.
  • The quote process is easy and only takes about 10 minutes.

Unlike companies like Insurify, The Zebra doesn’t require as much personal information to get a quote.

The Zebra’s Cons

While The Zebra does have a lot of great pros, there are still a few cons to using this company. Take a look at the list below.

  • Not all of the companies on your final quote page will display prices. This means you may be stuck filling out additional quote forms to get the quotes you want.
  • The Zebra does require your email, so even though you won’t receive phone calls, you may receive emails after your quote that can clog up your inbox.
  • You can’t talk directly to an agent, which isn’t good for those who prefer to discuss auto insurance options face to face.
  • You can’t customize your insurance policy (such as adding in roadside assistance or gap coverage).

For the most part, the cons of The Zebra pale in comparison to the pros. The Zebra has solid ratings and is careful with your personal information, which can be a concern on other websites. So if you need a way to quickly compare prices, The Zebra may be for you. However, if you want to see a more accurate quote that allows you to customize coverages to your needs, you may want to look elsewhere.

Frequently Asked Questions: The Zebra Auto Insurance Review

Still not sure if The Zebra is the quote tool for you? If you still have questions about The Zebra or just questions on quotes in general, don’t worry. In our frequently asked questions section, we are going to go over answers to common questions. So stick with us to have your remaining concerns addressed.

#1 – What is The Zebra’s Insurability Score™?

The Zebra’s Insurability Score™ is a free tool The Zebra developed to help customers find out what their insurance risk is and how to fix it. The tool calculates insurance risk with the same formula insurers use (your car, how you drive, etc.). It will show you what you can do to lower your insurance risk so that you can start saving on auto insurance.

#2 – What is The Zebra fintech?

The Zebra fintech is posts from The Zebra with advice on technology and finance. Fintech was not coined by The Zebra, but it is now commonly used to refer to technology and finance, so you will hear it used a lot in business terms.

#3 – Does getting an auto insurance quote affect credit?

No, getting an auto insurance quote will not affect your credit score. Insurers do what is called a soft pull on credit to assign rates. While a soft pull may show up on your next credit statement, it has no bearing on your score.

However, your credit score will affect auto insurance rates. Drivers with good or excellent credit can sometimes pay over $1,000 less than drivers with poor credit.

#4 – How many auto insurance quotes should you compare?

The Insurance Information Institute (III) recommends that when you are shopping to save money on auto insurance, you should always compare at least three insurance quotes. This allows you to view a wider range of prices and coverages in your area, so you can pick the best one. Because filling out multiple quote forms on insurers websites can be time-consuming, we recommend going through a quote comparison tool first.

Once you have quotes from the comparison tool, you can pick the top insurers and get individual quotes from each one. This way, you can make sure that your quotes are as accurate as possible.

#5 – How often should you shop around for auto insurance?

How can I find the best and cheapest auto insurance rates? If you don’t shop around for auto insurance, you could miss out on cheap car insurance. You should look at auto insurance quotes at least once a year, as using a rate comparison tool works as a quick checkup.

Since insurers are always competing with each other and changing rates, you may find that your current insurer no longer has the best rates for your needs. You should also use sources like J.D. Power to help you narrow down your choices, as JD Power studies customer satisfaction levels with auto insurance companies.

#6 – How long does an auto insurance quote last for?

Auto insurance quotes don’t last forever, as rates are always changing. Generally, you will have a month or two to act upon your quote before it expires. This means you will have to fill out a new quote form to buy auto insurance.

We hope our auto insurance review of The Zebra was helpful. If you would like to start comparing auto insurance rates right away, enter your ZIP code in our free online tool below.