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: Oct 14, 2020

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The Zebra Overview
The Zebra Key FactsDetails Source
FoundersJoshua Dziabiak and Adam LyonsThe Zebra
Founded In 2012The Zebra
Headquarters 1801 E 6th St #200, Austin, Texas 78702The Zebra
Phone 1.888.255.4364The Zebra
The Zebra
Employees51 to 200 LinkedIn
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With so many auto quote comparison companies on the internet, it can be hard to pick the best one. If you make the wrong choice, you could end up choosing a company that doesn’t fit your needs or offer cheap auto insurance.

The Zebra auto insurance comparison option has likely popped up as you search. Before you check out The auto insurance quotes, check out our review to see if it’s the right tool for your auto insurance needs.

Want to start the process of finding auto insurance quotes right away? Before you jump into our The Zebra auto insurance review, enter your ZIP code in our free tool above.

Table of Contents

The Zebra Auto Insurance

The Zebra was founded in 2012 by Joshua Dziabiak and Adam Lyons, and has grown into one of the biggest quote comparison giants. You can use The Zebra to compare car insurance quotes as well as home insurance, and it provides auto insurance reviews as well. Zebra auto insurance quotes come from many top companies.

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. We’ve collected the ratings from a few different The reviews to see what customers think of the company:

The Zebra's Ratings
ReviewerRating Number of Reviews
Shopping Approved4.7 out of 5 1,580
Consumers Advocate 3.8 out of 5NA
Clearsurance3.88 out of 5418
Better Business Bureau A48
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The insurance has great customer ratings, with its lowing rating coming in at a 3.8 out of 5. It is also important to note the Better Busines Bureau’s (BBB) rating of The Zebra. The Zebra is not BBB accredited, meaning that the BBB’s rating does not include customer complaints or the Zebra’s commitment to the BBB.

Instead, their 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

The Zebra currently has an A rating from the BBB, the second highest rating they award to businesses. Watch the video below for more information on the BBB’s ratings.

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

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How does The Zebra make money?

Is the insurance website legit? How does a company that provides free quotes 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 Zebra customer goes on to buy insurance from one of the contracted companies on their website, The Zebra will make money.

In some states, The Zebra is even licensed to sell insurance for companies, meaning you can purchase coverage directly from them. Why do customers choose to go through The Zebra rather than directly to insurers’ websites? With The Zebra auto quotes, you only have to fill out quote information one time to get quotes from multiple different companies. This saves both time and money.

The ability to be able to see multiple, personalized insurance quotes at once helps customers pick a company that fits their budget and insurance needs. The Zebra blog also helps customers by offering information and advice on insurance.

What companies does The Zebra get quotes from?

How do The Zebra car insurance quotes work? The Zebra auto insurance comparions include quotes from many companies, as The Zebra is partnered with over 100 companies, including 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.

Unlike other companies, The Zebra doesn’t have a full list available on their website of what companies they are partnered with. However, we can tell you how The Zebra insurance quotes are calculated. According to their website, The car insurance quotes use the following factors to formulate personalized rates:

  • Location: The ZIP code you live in will change your auto insurance rates. Crime, weather, natural disasters, and accident statistics can change when you move from city to city or state to state.
  • Demographics: Your age, gender, marital status, credit score, homeowner status, and education level will be used by insurers to calculate risk and potential discounts.
  • Insurance history: If you have had any illegal lapses in insurance, your rates will rise. What does it mean to let your car insurance lapse?
  • Driving history: Accidents, tickets, or DUIs will affect your rates.
  • Vehicle: Some vehicles are safer than others 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 table below details basic averages 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 insurance comparison quote form will ask questions about all of these categories to determine rates for you. If you are having trouble, you can call The Zebra auto insurance phone number for help.

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The Zebra Pros and Cons

The Zebra’s Pros

The Zebra is a reputable company with great customer reviews. The following pros reinforce their good reputation:

  • You can access ten quotes in your area by filling out only one quote form.
  • You don’t have to submit a phone number (which can lead to numerous unwanted 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.

Reviews on The for auto insurance can easily be found on their website. Unlike companies such as Insurify, The Zebra doesn’t require as much personal information to get a quote.

The Zebra’s Cons

Despite their solid reputation, there are some potential cons to using The Zebra:

  • Not all of the companies on your final quote page will display prices. This means you may be stuck filling out additional forms to get the quotes you want.
  • The Zebra quotes for car insurance does require that you enter 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 with other websites. If you need a way to quickly compare prices, The Zebra may be for you.

Frequently Asked Questions: The Zebra Auto Insurance Review

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

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

#2 – What is The Zebra Fintech?

Fintech provides advice on technology and finance.

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

No, getting an auto insurance quote doesn’t hurt your credit score. Insurers take 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 you 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. Filling out multiple quote forms can be time-consuming, so we recommend going through a quote comparison tool first.

Once you have quotes from a comparison tool, you can pick the top insurers and get individual quotes from each one. This will ensure 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? You should look at car insurance quotes at least once a year. 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.

#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.

There’s no need to use The Zebra for auto insurance quotes. Start comparing auto insurance rates right here by entering your ZIP code into our free online tool below.