The Zebra Auto Insurance Review [2024]
The Zebra, a key player in the auto insurance domain, streamlines the insurance-shopping process by offering quotes from reputable companies, empowering consumers to easily compare multiple options.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The Zebra
Average Monthly Rate For Good Drivers
$156A.M. Best Rating:
N/AComplaint Level:
LowPros
- Provides quotes from multiple reputable insurance companies
- Allows for easy comparison of quotes from different companies
- Offers auto and homeowners’ insurance options
- Generally positive customer service and helpful agents
- Free to use for policyholders
Cons
- Some complaints about the quote process and receiving spam after filling out forms
- Rates received through The Zebra may be higher compared to quotes obtained directly from insurance companies
- Limited to selling auto and homeowners’ insurance (currently)
The Zebra was founded in 2012 with the goal of simplifying insurance and making it easier for consumers to find the types of insurance that they need while having a complete understanding of what they are paying for. The Zebra started out by selling only auto insurance but has since also started selling homeowners insurance. It plans to sell other types of insurance in the future.
Have you seen a Zebra insurance commercial or an ad for the company online? If you’re curious about Zebra, we’re here to tell you everything you need to know.
Our Zebra insurance review below discusses how The Zebra provides quotes, how much you might pay to buy insurance from The Zebra, and more.
Enter your ZIP code into our free quote comparison tool below to find quotes similar to The Zebra insurance policies.
What You Should Know About The Zebra
The Zebra has a BBB rating of A with a 4.4 out of 5-star rating with 115 customer reviews. Most of the reviews tell stories of great customer service and helpful agents. However, there are some complaints about receiving spam and junk mail after filling out quotes with The Zebra. The Zebra claims that they do not sell any information, but be wary of third-party sites that may.
Plenty of other reviews across multiple platforms state that customers received fast and competent help from agents in purchasing a policy. Some of them also claim that The Zebra saved them money compared to what they were paying for insurance with a previous company.
However, there are also many reviews that express frustration about the quote process and receiving spam soon after filling out forms.
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The Zebra Insurance Coverage Options
The Zebra offers just about any auto insurance coverage you can think of. However, this is because The Zebra does not underwrite policies. Instead, it is partnered with over 100 reputable insurance companies, such as Farmers, Liberty Mutual, The General, and more. The Zebra simply provides quotes from these companies based on your information.
Therefore, the product offerings from The Zebra are actually the product offerings from the partner insurance companies. With so many different companies, you’re bound to find whatever kind of policy you need with the optional coverages you’d like to customize your policy with, including Zebra insurance for commercial needs.
The Zebra will categorize different types and levels of coverage into four groups—Minimum, Basic, Better, and Best. With this setup, you can see your Zebra insurance quotes based on the least to most coverage, and you can also view the details of the policy to see which types of coverage are included.
How can I contact The Zebra?
If you need to talk with a Zebra customer service representative, you can call the Zebra insurance phone number at (888) 255-4364. You can also email The Zebra at support@thezebra.com.
The Zebra headquarters is located at 1801 E 6th Street, Suite 200, Austin, TX 78702.
Should I buy Zebra auto insurance?
Using the Zebra auto insurance company to obtain quotes from multiple companies is similar to using any other auto insurance comparison website. Websites that allow you to compare quotes from many different insurance companies at one time (such as InsuranceProviders.com) make it easy to get the cheapest auto insurance possible.
While The Zebra has had some success finding affordable insurance for some of its customers, it seems to have some issues with its quote system and communicating to customers when their information is no longer protected by The Zebra’s privacy standards. If you decide to use The Zebra, you may end up having to enter your information multiple times, and you could receive spam calls and emails afterward.
Some professional reviews also provide sample quotes that seem to be higher than quotes from other sites. Therefore, you may be able to get better rates by using another comparison website or shopping with insurance companies directly.
If you’re unable to find affordable Zebra auto insurance, enter your ZIP code into our free quote comparison tool below to compare rates from companies in your area.
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The Zebra Insurance Rates Breakdown
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| Driver Profile | The Zebra | National Average |
|---|---|---|
| Clean Record | $110 | $119 |
| 1+ Ticket | $140 | $147 |
| 1+ Accident | $170 | $173 |
| DUI | $200 | $209 |
| Poor Credit | $189 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
The Zebra auto insurance rates will depend on the rates from individual companies. To give you an idea of what you might pay for auto insurance from The Zebra, let’s take a look at the average auto insurance rates by coverage level in each state:
Average Annual Auto Insurance Rates by State
| States | Average Annual Comprehensive Auto Insurance Rates | Average Annual Collision Auto Insurance Rates | Average Annual Liability Auto Insurance Rates | Average Annual Full Coverage Auto Insurance Rates |
|---|---|---|---|---|
| Alabama | $156.31 | $317.96 | $372.57 | $868.48 |
| Alaska | $137.26 | $350.81 | $547.34 | $1,027.75 |
| Arizona | $186.12 | $277.96 | $488.59 | $972.85 |
| Arkansas | $190.41 | $321.80 | $381.14 | $906.34 |
| California | $100.54 | $396.55 | $462.95 | $986.75 |
| Colorado | $174.61 | $287.00 | $477.10 | $981.64 |
| Connecticut | $131.62 | $368.51 | $633.95 | $1,151.07 |
| Delaware | $122.49 | $318.77 | $776.50 | $1,240.57 |
| District of Columbia | $233.24 | $468.67 | $628.09 | $1,330.73 |
| Florida | $159.18 | $331.83 | $845.05 | $1,048.40 |
| Georgia | $101.56 | $313.17 | $490.64 | $873.28 |
| Hawaii | $116.55 | $219.05 | $458.49 | $679.89 |
| Idaho | $128.13 | $309.71 | $337.17 | $884.56 |
| Illinois | $122.06 | $250.29 | $430.54 | $755.03 |
| Indiana | $183.53 | $219.75 | $372.44 | $702.46 |
| Iowa | $267.91 | $263.33 | $293.34 | $862.93 |
| Kansas | $141.39 | $267.91 | $342.33 | $938.51 |
| Kentucky | $215.17 | $414.36 | $518.91 | $1,405.36 |
| Louisiana | $104.98 | $259.98 | $727.15 | $703.82 |
| Maine | $152.72 | $353.99 | $333.92 | $1,116.45 |
| Maryland | $134.96 | $388.28 | $599.48 | $1,129.29 |
| Massachusetts | $154.85 | $413.83 | $587.75 | $1,364.00 |
| Michigan | $184.27 | $234.40 | $722.04 | $875.49 |
| Minnesota | $210.33 | $323.22 | $439.58 | $994.05 |
| Mississippi | $181.27 | $275.28 | $437.38 | $872.43 |
| Missouri | $211.91 | $265.32 | $399.41 | $863.52 |
| Montana | $229.25 | $237.13 | $387.77 | $831.02 |
| Nebraska | $117.63 | $303.86 | $349.07 | $1,103.05 |
| Nevada | $110.77 | $307.42 | $647.07 | $818.75 |
| New Hampshire | $131.35 | $381.86 | $393.24 | $1,382.79 |
| New Jersey | $172.57 | $276.98 | $865.55 | $937.59 |
| New Mexico | $171.12 | $385.02 | $462.21 | $1,360.66 |
| New York | $136.08 | $293.59 | $784.98 | $789.09 |
| North Carolina | $231.04 | $244.09 | $357.59 | $773.30 |
| North Dakota | $121.61 | $269.84 | $282.55 | $788.56 |
| Ohio | $225.84 | $318.47 | $376.16 | $1,005.32 |
| Oklahoma | $93.87 | $226.83 | $441.57 | $904.83 |
| Oregon | $144.21 | $327.24 | $553.43 | $970.51 |
| Pennsylvania | $132.19 | $411.51 | $495.02 | $1,303.50 |
| Rhode Island | $180.94 | $265.07 | $720.06 | $973.10 |
| South Carolina | $258.11 | $208.58 | $497.50 | $766.91 |
| South Dakota | $116.53 | $282.96 | $289.04 | $1,257.13 |
| Tennessee | $148.45 | $309.07 | $397.73 | $871.43 |
| Texas | $206.42 | $374.49 | $498.44 | $1,109.66 |
| Utah | $109.50 | $265.90 | $471.26 | $872.93 |
| Vermont | $125.48 | $295.42 | $340.98 | $764.02 |
| Virginia | $136.54 | $280.52 | $413.12 | $842.67 |
| Washington | $106.38 | $265.74 | $568.92 | $968.80 |
| West Virginia | $204.28 | $329.67 | $501.44 | $1,025.78 |
| Wisconsin | $136.81 | $226.00 | $359.84 | $737.18 |
| Wyoming | $247.57 | $278.83 | $323.38 | $847.44 |
Now, let’s look at some average rates by age and company:
Average Monthly Auto Insurance Rates by Age and by Company
| Companies | 25-Year-Old Female | 25-Year-Old Male | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|---|---|
| Allstate | $219.51 | $220.97 | $678.65 | $733.87 |
| Farmers | $172.13 | $179.75 | $810.38 | $773.12 |
| Geico | $108.35 | $111.96 | $259.76 | $385.52 |
| Liberty Mutual | $279.38 | $296.29 | $544.95 | $882.56 |
| Nationwide | $170.12 | $216.52 | $304.87 | $452.46 |
| Progressive | $192.71 | $187.71 | $527.40 | $587.72 |
| State Farm | $181.32 | $192.87 | $497.40 | $641.39 |
| Travelers | $247.44 | $255.98 | $558.84 | $664.92 |
| USAA | $162.66 | $179.06 | $520.49 | $617.89 |
After you receive Zebra auto insurance quotes, you can access them again in the future. However, price updates occur constantly, so the prices could change once you initiate further contact with a company to purchase a policy.
The Zebra acts as an independent agent in most states, so this means that the company receives a commission or one-time fee from the insurance company for every policy that it sells. While using The Zebra is supposed to be free for policyholders, many reviews have cited that the rates you receive through its service seem to be higher than you would pay if you received a quote directly from an insurance company.
How does the Zebra work?
Zebra provides quotes from multiple companies at once. In order to receive quotes, you will need to provide personal information, such as your location, driving record information, vehicle information, occupation and education level, credit record, and demographics.
When you are done filling out the quote forms, you will be presented with prices from multiple companies at once. You have the option of adjusting the coverage details to see how it affects pricing. When you choose a policy, you will be sent to the insurance company’s website, which will be pre-populated with the information you entered on the Zebra website.
Keep in mind that some prices may change once you reach the company’s website.
The Zebra Discounts Available
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| Discount | The Zebra |
|---|---|
| Anti Theft | 30% |
| Good Student | 25% |
| Low Mileage | 18% |
| Paperless | 3% |
| Safe Driver | 35% |
| Senior Driver | 2% |
When it comes to auto insurance, finding the right coverage at an affordable price is paramount. The Zebra not only offers a comprehensive platform for comparing quotes from reputable companies but also provides various discounts to enhance your savings. Here’s a breakdown of the discounts available:
- Safe Driver Discounts: Rewards for maintaining a clean driving record, showcasing your commitment to safe driving.
- Multi-Vehicle Discounts: Save more when you insure multiple vehicles under the same policy, streamlining your insurance needs.
- Good Student Discounts: Recognizing the dedication of young drivers to their education, offering discounts for good academic performance.
- Bundling Discounts: Optimize your savings by bundling your auto insurance with other policies, such as homeowners insurance.
- Military Discounts: Showcasing appreciation for those who serve, with exclusive discounts for military personnel.
- Anti-Theft Discounts: Installing anti-theft devices can lead to additional savings, providing added security for your vehicle.
- Defensive Driving Course Discounts: Taking proactive steps to enhance your driving skills can result in discounts on your insurance premiums.
- Affiliation Discounts: Some insurance providers offer discounts based on affiliations with certain groups or organizations.
Securing your quote not only financial protection but also the peace of mind that your information is safeguarded. Get your quote today and explore the multitude of discounts available to tailor your auto insurance to your specific needs.
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How The Zebra Ranks Among Providers
Navigating the complex world of auto insurance leads us to recognize The Zebra’s key competitors, each offering unique features and competitive advantages:
- Progressive Insurance: Renowned for its innovative approach, Progressive stands out with its Snapshot program, which allows drivers to earn discounts based on their driving habits.
- GEICO: A giant in the insurance industry, GEICO is well-known for its extensive advertising campaigns and commitment to providing affordable coverage, leveraging its direct-to-consumer model.
- Allstate: With a comprehensive range of insurance products, Allstate emphasizes personalized coverage, bundling discounts, and features like Drivewise, rewarding safe driving habits.
- Esurance: As an online-focused insurer, Esurance streamlines the purchasing process with a user-friendly platform, offering competitive rates and digital tools for managing policies.
- State Farm: With a vast network of agents, State Farm emphasizes personalized service, providing a wide array of insurance products along with discounts for combining policies.
In a marketplace characterized by diversity and innovation, The Zebra faces stiff competition from industry giants and agile newcomers alike. As consumers explore their options, the key lies in understanding the unique offerings of each competitor, ensuring they find the coverage that perfectly aligns with their individual needs.
Read more: Esurance Auto Insurance Review
Frequently Asked Questions
What is The Zebra?
The Zebra is an insurance quote website that provides auto and homeowners insurance policies from multiple reputable companies.
Is The Zebra a reliable source for insurance?
The Zebra has positive customer reviews regarding customer service, but some customers have complained about receiving spam after using their service. Rates obtained through The Zebra may also be higher than direct quotes from insurance companies.
How does The Zebra work?
The Zebra allows you to compare quotes from different insurance companies by providing your personal information. It presents prices from multiple companies at once, and you can adjust coverage details. When you choose a policy, you are redirected to the insurance company’s website.
What types of insurance does The Zebra sell?
The Zebra currently sells auto and homeowners insurance, with plans to offer other types of insurance in the future.
Does The Zebra sell insurance directly?
No, The Zebra acts as an independent agent and earns a commission or fee from insurance companies for each policy sold.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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