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The Zebra Auto Insurance Review (2021)

The Zebra Overview
The Zebra Key FactsDetails
FoundersJoshua Dziabiak and Adam Lyons
Founded In 2012
Headquarters 1801 E 6th St #200, Austin, Texas 78702
Phone 1.888.255.4364
Email [email protected]
[email protected]
[email protected]
Employees51 to 200
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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 TheZebra.com 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 into our free tool above to compare auto insurance rates.

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. 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. 

You can use The Zebra to compare auto as well as home insurance quotes. 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.

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 TheZebra.com 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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TheZebra.com insurance has great customer ratings, with its lowest rating coming in at a 3.8 out of 5.

It is also important to note the Better Business 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.

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 TheZebra.com 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 auto 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?

The Zebra insurance comparison tool has made the website popular. 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.

Where does The Zebra get its quotes and how does it work?

How do The Zebra auto insurance quotes 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 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 auto insurance rates are calculated.

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

  • Location: The ZIP code you live in will change your auto insurance premiums. 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. Married drivers are more likely to get affordable car insurance quotes, while young drivers are more likely to file a bodily injury liability or property damage liability claim.
  • Insurance history: If you have had any illegal lapses in insurance, your rates will rise. What does it mean to let your auto insurance lapse?
  • Driving history/driving record:: 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 Auto Insurance Rates
Full Coverage$954.99
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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.

How do The Zebra’s rates stack up?

The Zebra is a quoting service, and the rates come directly from the insurance companies. That means that you should see the same quotes from The Zebra as you would if you got a quote directly from an insurance provider.

Quotes may sometimes differ across quoting sites if one asks for different information than another. More accurate quotes come from those with the most detailed questions.

How do The Zebra pros and cons compare?

This section will look at the good and bad of what you can expect from The Zebra in terms of the quote process.

What are The Zebra’s pros?

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

  • You can access 10 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 TheZebra.com for auto insurance can easily be found on their website. Unlike other companies such as Insurify, The Zebra doesn’t require as much personal information to get a quote.

What are 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.
  • To get quotes for auto insurance from The Zebra, you must 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 for insurance, The Zebra may be for you.

Frequently Asked Questions: The Zebra Auto Insurance Review

Still have questions? We have answers.

#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 you what you can do to lower your rate and start saving on auto insurance.

#2 – What is The Zebra Fintech?

Fintech provides advice on technology and finance.

#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?

You should look at auto 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?

Auto insurance quotes from Zebra don’t last forever, as rates for insurance premiums 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 an auto insurance policy.

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.


  1. https://fortune.com/2016/01/26/the-zebra-mark-cuban/
  2. https://www.nhtsa.gov/ratings
  3. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study

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