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The Zebra Car Insurance Review

The Zebra Auto Insurance

Zebra Insurance Review

The Zebra was founded in 2012 by Joshua Dziabiak and Adam Lyons, and has grown into one of the biggest quote comparison giants. The Zebra is not an auto insurance company, but a comparison service and insurance search engine. It is one of the top insurance comparison sites that allows insurance shoppers to compare rates from major insurance companies.

For both auto and home quotes, you can compare insurance with Zebra. The Zebra has partnered with Hippo and Lemonade in order to provide homeowners and renters insurance quotes to consumers looking for dwelling insurance deals. It also provides auto insurance reviews. The Zebra insurance quotes come from many top companies.

The Zebra State of Auto Insurance report is released each year, with The Zebra 2019 State of Auto Insurance replaced by the 2020 report and so on.

How Do Vehicle Quote Comparison Sites Work

These websites allow you to easily compare quotes from top insurance companies from the comfort of your own home.

It doesnt matter if you live in Florida, Hawaii, Michigan, or Virginia.

They can cut your research time in half, make sure you find the most affordable options, and offer personalized rates by allowing you to choose from the car insurance coverage options you need.

They provide you with a thorough side by side analysis of everything each company offers during the shopping experience.

To provide you with the most accurate car insurance rates, these websites will ask for specific details, including your occupation, your vehicle information, such as make, model, and year, your zip code, marital status, and some details about your driving history.

Other insurance cost details they may ask include.

Additional details

The results will be a detailed list of what each companys rates are, along with information about their coverage options and discounts.

My Insurance Agent Aaron Alcala Was Awesome

My insurance agent Aaron Alcala was great! He took the time to find us a good auto insurance with a great rate. He answered all our questions and was very professional, friendly, and thorough. We will recommend The Zebra to anyone we know who is shopping for insurance. It’s the best and if all insurance agents are as good as Aaron they will be well taken care of. Thank you.

Date of experience:October 05, 2021

Reply from The Zebra

Nancy – Thank you so much for your kind words about Aaron. Praise like this means so much to our team, so we really appreciate that you took the time to tell us about your experience. Your recommendation means a lot, and we feel very honored. We’re so glad you had success with our service, and we ho pe to serve you again in the future. – Emma W

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More About Allstate Car Insurance

Allstate sells vehicle insurance for cars, motorcycles, classic cars and boats. For those that enjoy the outdoors and adventure, Allstate also offers coverage for ATVs and RVs.

Optional coverage that can be added to an Allstate policy include roadside assistance, rental reimbursement and sound system insurance. Allstate also offers add-on coverage of gap insurance, new car replacement and diminishing deductible.

Gap insurance helps if your car is totaled in an accident and you owe more than the vehicles value. Alllstates new car replacement coverage will pay to replace your car with a new car of the same make and model if it is two model years old or less and totaled in an accident covered by your policy. And enrolling in the diminishing deductible gets you $100 off your collision deductible immediately, and if you remain claim-free you can continue to reduce your deductible each year, up to a maximum of $500 off.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All…

Written byRachel BodineFeature Writer

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his familys insurance agency, FCI Agency, for 15 years . He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. Hes also been featured on sites like and Safeco.He reviews content, ensuring that ex…

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How Is Insurify Different From The Zebra

Both Insurify and The Zebra are safe and free to use, allow consumers to compare personalized car and home insurance quotes in real-time, and don’t sell customer’s personal data or send spam calls or texts. However, Insurify customers can save up to $996 annually, while The Zebra advertises that customers can save up to $670. Insurify is also officially accredited with an A+ rating from the Better Business Bureau, while The Zebra is not. And unlike The Zebra, Insurify also allows users to compare term life insurance quotes.

Filing A Claim With The Zebra

The Zebra provides no information on their quote result page about the process of making claims or the impact they may have on your premiums going forward if you need to make one. Because you dont actually purchase a policy through The Zebra, but instead through one of their partners, any and all insurance claims are made through your insurance company, not The Zebra itself.

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The Zebra Offering: 44 / 5

Perhaps most important to The Zebra offering is that the platform is independent and unbiased. Theyre not an insurance provider and do not hold allegiance to any one partner they work with.

But they do partner with major auto insurance providers, over 100 of them. And they only partner with reputable insurance providers that adhere to the same level of professionalism and quality control that they do.

It is great that they dont just provide a list of potential insurance companies, but they offer many actual prices at the end of the process. Sure, those prices might be subject to change if you modify the options, but it guides you to a comfortable starting point to close the deal.

Because these policies have so many details that can be customized, The Zebra lightens that burden a bit by providing some simple ways to think about and then start customizing your policy. These four buckets give you a solid starting point for your policy and then calculate the corresponding change to price for each. This is a great way to get a feel for if you are over- or under-insured.

Do Insurance Sites With Real

The Zebra

The following websites offer real-time insurance quotes for car insurance shoppers with excellent customer satisfaction.


Image credit:

Headquartered out of New York, PolicyGenius specializes in providing quotes for car insurance and life, homeowners, pet, renters, and disability insurance.

Their bundling only website has teamed up with CoverHound so users can compare and purchase auto insurance with their new quoting tool.

You will receive results in around five minutes.

Before entering in any details, you are given a chance to bundle your car and homeowners insurance policies for additional savings, which is an added benefit for those who would like to compare different policies and save time.

Here are the results from PolicyGenuis for a 35-year-old female with fair credit and excellent driving history. She drives a 2020 Nissan Altima with minimum coverage.

Insurance Company


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Insurify, located in Massachusetts, provides real-time car insurance quotes from some top providers in the United States.

This free comparison website is top-ranking and highly recommended by those who have used it in the past.

The website has a simple user interface and provides quotes from a broad range of providers to help users find the cheapest car insurance.

Insurify has provided millions of quotes to motorists from companies such as Liberty Mutual, Nationwide, MetLife, and The General.


The Zebra


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Where Does The Zebra Get Its Quotes And How Does It Work

How do auto insurance quotes from Zebra work? The Zebra auto insurance comparisons 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 doesnt have a full list available on their website of what companies they are partnered with. However, we can tell you how The Zebra auto insurance rates are calculated.

According to their website, auto insurance quotes use the following factors to formulate personalized rates:

The table below details basic averages for drivers with clean records.

Average Annual Auto Insurance Rates by Coverage Type

Type of Coverages

The Zebra auto 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.

What Are The Zebras 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.
  • To get quotes for auto insurance from The Zebra, you must enter your email. So even though you wont receive phone calls, you may receive emails after your quote that can clog up your inbox.
  • You cant talk directly to an agent, which isnt good for those who prefer to discuss auto insurance options face to face.
  • You cant customize your insurance policy .

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 for insurance, The Zebra may be for you.

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How To Get Started With The Zebra

When you visit, the first thing youll see is the car insurance quote engine. Heres how to get car insurance through the comparison website.

Youll begin by entering your zip code into the field and clicking the Start button and remember, you can also get home insurance, but thats not required to get a car insurance rate quote.

There are three pages youll need to work through before you can get to the quote page. There, you’ll be able to compare real-time quotes from different insurance carriers. Youll be asked about the following information in order:

  • Whether youre currently insured
  • Whether you rent or own your residence
  • Why youre shopping for insurance today
  • The address where your vehicle is parked
  • Your full name and date of birth
  • Your vehicles year, make, and model
  • Whether you own or lease the vehicle
  • What you mostly use your vehicle for
  • How many miles you drive per year
  • Your gender and marital status
  • Your credit score range
  • Your highest level of education
  • How long youve been continuously insured
  • Your current insurance provider
  • Whether youve had any at-fault accidents or tickets in the past three years
  • Your email address
  • Potential discounts you qualify for

Once you get to the quote page, the first thing youll see is the monthly auto insurance rates, but youll also be able to click on each insurer and get an idea of how much coverage youre getting, so you can compare apples to apples.

The Best Car Insurance Companies In December 2022

The Zebra Insurance Quotes

Our extensive research revealed that these 10 insurers are some of the best car insurance companies available:, LLC is a licensed insurance producer . services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way., LLC is a licensed insurance producer . services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Clearcover overall standing affected by limited data availability.

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How Does The Zebra Make Money Then

To their credit, The Zebra is actually pretty transparent about this. In fact, their revenue structure is laid bare on an FAQ on their homepage.

Basically, The Zebra operates using an old-school commission structure. If you find out through The Zebra that Liberty Mutual is offering the best rate, and click Buy Online Now to finalize your policy on Liberty Mutuals site, the provider knows you came from The Zebra and will send them a kickback.

Its worth noting that you can buy policies on The Zebras site, also. Same policy, same commission.

Compare Auto Insurance Rates, LLC is a licensed insurance producer . services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Is The Zebra Insurance Free

You wont pay anything to use The Zebra to shop for car insurance coverage. According to The Zebra, they make money in a couple of different ways, both include commissions from insurance companies when a customer buys a policy through The Zebra. This allows them to provide their service free of charge.

The Zebra Insurance Quotes: What Should You Expect

The Zebra Auto Insurance Company Full Explains

After about 15 seconds of waiting for our car insurance quotes to populate , we were asked to build our policy. Here, we were able to choose from three levels of coverage.

For the sake of our test, we chose the suggested option, which includes $25k/$50k bodily injury limits, $1,000 deductibles for both collision and comprehensive coverage, as well as $25k of property damage protection.

After another brief wait on a loading screen, we reached our results page, where we were finally able to compare our car insurance quotes.

Upon receiving our results, we were a bit disappointed that only about half of the quotes shown had prices three of the six visible results all had buttons that simply said Get quote with no dollar figures attached. These appeared to be just ads, not actual results.

After clicking Show more quotes, we found a handful of other results , but all of them had prices that were more than double the offer shown by Clearcover for $152/mo.

From here, we were given the option to purchase our car insurance policy through The Zebra, but only if we selected one of the quotes with prices attached. After selecting Clearcover we were shown a brief outline of the plan and given the choice to Buy Online Now or call an 800 number to complete the process by phone.

Once we answered these questions, which took another five minutes or so, we landed on a page that showed our final rate.

Theres a Better Way to Compare Car Insurance

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The Zebras Learning Center

The Zebras learning center is extremely fleshed out, and just plain easy to use.

In fact, Ive been reading The Zebras research for years. Like the Consumer Reports of insurance, The Zebra frequently sends out surveys to gauge customer satisfaction, rank providers against each other , and publish helpful statistics like the impact that bundling home and auto together can have on lowering your overall premiums:

More About Geico Car Insurance

Geico sells insurance for cars, motorcycles and classic cars. For those who enjoy a little more adventure, Geico also sells insurance for RVs, ATVs and boats.

Optional coverage types for auto insurance includes emergency road service, rental reimbursement and mechanical breakdown insurance.

If youre concerned about a rate increase after an accident, Geico offers accident forgiveness insurance, which you can pay to add to your policy or earn by maintaining a clean driving record. Geico will waive the first at-fault accident caused by an eligible driver listed on your policy.

Geico also sells Mexico auto insurance if you plan to drive south of the border.

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Most Drivers Confused About Car Insurance

A found that most drivers do not understand their own auto insurance coverage. They cannot correctly identify the car insurance types that would cover common situations.

Liability insurance is among the most misunderstood coverage types. Heres a look at how much drivers dont know about auto insurance.

What type of car insurance pays if your car is damaged by a flood? Comprehensive coverage 56% got it wrong

Many drivers also think they have car insurance coverage that isnt actually available. For example:

  • 50% of respondents said accidental death and dismemberment coverage is part of their car insurance policies. AD& D coverage is not included in car insurance.
  • 49% believe they currently have extended crash protection, which does not exist.
  • 41% believe their auto insurance covers vehicle emissions, which it does not.

Even the best car insurance wont pay off if you dont understand the coverage you have purchased.


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