What is EverQuote?

By HighYa Staff
Published on: Dec 21, 2016

In less than two minutes, EverQuote promises to provide you with fast, free, no-obligation online auto insurance quotes so that you can pay as little as possible.

EverQuote tells us that they research dozens of different insurance companies, such as Allstate, Progressive, Nationwide, Farmers, Travelers, and Liberty Mutual, match you with prequalified providers based on your need, and give you competitive rates to compare. All you have to do is enter your information, and they'll handle the rest.

Compared to the competition, EverQuote also offers free iOS and Android apps that claim to help you track your trips and become a better driver.

Sure, EverQuote sounds like they could help you save a lot of time, but is this actually the case? And if it is, what distinguishes EverQuote from other similar websites? Are there important factors you should keep in mind?

Here, we’ll provide an in-depth look at what we learned about EverQuote during our research, as well as how this can help you make an empowered decision.

A Quick Look at EverQuote’s Lead Generation Service

Calling hundreds of auto insurance carriers in an attempt to find the best rate would be a time-consuming process. So time-consuming, in fact, that it probably wouldn’t be worth any savings you achieved.

Sure, independent agents can possibly help by providing multiple quotes through each of the carriers they represent. But how can you quickly and easily locate an agent in your area?

Enter lead generation websites. Without going into unnecessary detail, these types of websites gather a consumer’s information and pass it along to individuals or businesses that might be able to meet the consumer’s needs.

Based on this business model, lead generation websites are especially popular within the insurance industry (more next), but are also important in industries like financial services and lending (home loans, short term loans, etc.).

Specifically regarding EverQuote, they gather 42 pieces of personal information, including driving history, status, and insurance requirements.

Then, they deliver these real-time leads to no more than three agents in your area who are targeting clients that match your profile.

Specifically, agents can filter EverQuote’s leads by risk profiles like driver age, insurance status, accidents, tickets, SUI and SR-22, homeowner status, and credit rating.

What makes EverQuote any different (or better) than all the other lead generation websites out there?

Are There Other Auto Insurance Websites Like EverQuote?

In addition to ‘lead generators,’ websites like EverQuote are often referred to as auto insurance comparison engines. This is a bit of a misnomer, though, since—in contrast to websites like The Zebra—you won’t receive a quote after entering all of your information.

Instead, your details will be passed on to agents in your area who have paid for real-time leads. They’ll then contact you to see if you’d like to obtain a formal quote through any of the carriers they represent.

It’s only at this point that you’d receive a tangible quote on auto insurance.

With this in mind, there are perhaps hundreds of different websites offering the same essential service. We've reviewed several of the most popular options, including Compare.com, Provide-Savings, Get My Insurance, US-Quote.com, and Car-Insure.

How can you determine which of these is right for you?

Your Quick Reference Guide for Choosing an Auto Insurance Lead Generator

In a past life, I spent nearly ten years working for a national insurance provider and an underwriter. During that time, I learned some important factors you should keep in mind if you’re considering handing your information over to a lead generator:

Factor #1: You can contact an agent directly

When it comes down to it, the idea behind a lead generation website is that it can save you the time and hassle of contacting multiple local agents directly.

However, lead generators don’t always vet the quality of the agents they sell to—or that they’re even being sold to agents in the first place. As a result, it’s like raising your hand in a room crowded with strangers and asking one of them to help with your insurance needs.

If this doesn’t sound appealing, remember that you can just as easily type “auto insurance” into a search engine like Google, which will immediately display options by location. There, you’ll also be able to read customer reviews and visit the agency’s website to learn more about who you’ll be dealing with.

Let’s talk more about quality next.

Factor #2: Where does your information go?

If you take a look at customer complaints about many of the companies we mentioned above, one thing stands out: Most talk about being flooded with calls and emails soon after entering their information.

Calling agents directly is certainly one way to avoid this. But are there any other methods you can use?

Yes; find out exactly what the lead generator does with your information, whether on their website or by contacting them directly before you hand it over.

According to EverQuote’s Agent FAQ, they don’t sell your information to anyone other than individuals or businesses who have paid for their services. Except in instances where an agent has ordered an exclusive lead, they also won’t pass your information along to more than three agents in your area.

As a result, you probably shouldn’t expect to receive tons of calls or emails after entering your information on EverQuote’s website. Is this what EverQuote’s customers are saying?

» For Further Reading: The Pros and Cons of Using Auto Insurance Comparison Sites

Factor #3: Look at customer reviews

As a consumer-focused website, it probably doesn’t come as a surprise that we’d recommend looking at customer feedback for any lead generator you’re thinking about using. After all, bad experiences travel quickly and can speak volumes about what you might experience.

From this perspective, among more than 80 HighYa reader reviews, along with 250+ Better Business Bureau reviews and 40+ closed complaints as of this writing, most referenced receiving excessive phone calls after entering their information on EverQuote’s website. Many also didn’t appreciate spending the time to enter all of their details, only to find they didn’t receive a quote at the end of the process.

As a company, EverQuote (formerly AdHarmonics) is based out of Cambridge, MA, and have been providing leads to agents since 2011. Based on what little feedback we could find, they seem to have a solid reputation among agents for high-quality leads with solid close rates.

EverQuote was co-founded by CEO Seth Birnbaum and CTO Tomas Revesz, both of whom came from high-level positions at Verdasys, Inc. They also obtain leads from other websites under their control like USAutoInsuranceNow.com.

Before moving on, there’s one other meaningful differentiating factor with EverQuote; their app.

How Does EverQuote’s EverDrive App Work?

As soon as you begin driving, the EverDrive app uses GPS and onboard sensors to track your distance and monitor your driving performance.

From there, EverDrive will display all your past drives (including maps) and break down your driving into a score of 0-100, based on five components: speeding, harsh acceleration, harsh braking, phone use, and cornering.

Depending on your score and your driving habits, EverDrive will provide personalized tips to help you improve. You’ll also be able to earn achievements, compete with others on the leader boards, and take advantage of contests and other promotions.

EverQuote Mobile AppWith the EverDrive app, you’ll be able to view your past drives and review your performance. Image credit: EverQuote

With 130+ total reviews, EverQuote’s EverDrive app had 4-star ratings on iTunes and Google Play. Most seemed to appreciate its ease of use and its ability to improve your driving habits.

However, complaints frequently claimed that EverDrive quickly drains the phone’s battery and that it often isn’t accurate (such as tracking activity when you’re not driving).

We’ve covered a lot of territory here, so let’s go ahead and drive it home.

Is EverQuote Worthy of Your Information?

At HighYa, our goal is to provide you with the information we learn during our research, and then leave the final decision up to you. With this said, we think there are three important things to keep in mind in this instance:

First, although EverQuote claims you’ll be “prequalified” after entering your information, this only relates to matching you with an agent who’s looking for drivers like you.

This does not mean that you’ve been preapproved for any kind of auto coverage, or that the agents who contact you will be able to improve upon your current auto insurance premium.

Speaking of which, the second point to remember is that independent agents have no control over the rates quoted by the carriers they represent.

This means that, assuming you provide the same information, an auto quote with Allstate (to name just one of the companies EverQuote advertises) from Agent A will be the same from Agent B. Hopping around to different agents won’t save you money in this way.

Finally, as a consumer advocacy website, we think online feedback trends speak volumes about what you might realistically expect to experience once becoming a customer. As such, keep in mind that you could receive a lot of calls from agents as soon as you hand over your information.

» Read Next: How to Lower Your Car Insurance Cost and Still Have Enough Coverage

Sign Up for HighYa Newsletter

Sign up for HighYa newsletter and get our best content delivered in your inbox as well as 3 free eBooks to help you save money and shop smarter. Enter your email below to get started!

102 Consumer Reviews for EverQuote

Average Consumer Rating: 1.2
Rating Snapshot:
5 star: 2 4 star: 1 3 star: 2 2 star: 1 1 star:  96
Bottom Line: 6% would recommend it to a friend
Showing 1-11 of 102
Sort reviews by:

  • Just a referral service that will flood you with sales calls

    • California,
    • May 23, 2018
    • Verified Reviewer

    Contrary to their advertising claims that they employ mathematicians and data scientists, who somehow bring algorithms to figure out the best insurance options for every customer, this is nothing other than a referral service (similar to the telephone answering services of yesterday). They send your info to numerous insurance companies, who flood you with sales calls. It would be a better use of one's time to fill out web-based applications from two or three insurance companies who service your area; sales calls, often from reps who know very little themselves, are a real turnoff.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 4 out 4 people found this review helpful

    Nonsense

    • Tucson, AZ,
    • May 9, 2018
    • Verified Reviewer

    Just add "scam!" Quotes are outrages. Don't believe this ad - nonsense ad!

    EverQuote have nothing to offer, just switching companies with quotes you may have without this nonsense.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 4 out 4 people found this review helpful

    Should call themselves "EverSpam"

    • Chicago, IL,
    • May 5, 2018
    • Verified Reviewer

    Total scam. They take your info, then forward it to as many insurance companies as they can. You still have to go through the whole process at every one of the endpoint companies, AND you can enjoy 2-3 phone calls an hour from people selling insurance, and selling your number to others. I can't believe I signed up with these guys. Stupid. Stupid. Stupid.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 5 out 5 people found this review helpful

    Beware - they run a credit check on you and you must fill out full info on every lead they send you

    • Rancho Santa Margarita, CA,
    • May 2, 2018
    • Verified Reviewer

    Their ad promised I would enter my info once and they would do the rest. Every email I've received has required full information, and also I did not appreciate that they ran a credit check when I filled out my info for them, which showed up on my report.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 4 out 4 people found this review helpful

    EverQuote took my info

    • New York,
    • May 2, 2018
    • Verified Reviewer

    EverQuote did not deliver as promised! I never got quote options, just directions to either Progressive or GEICO! Stop scamming people to get their info! The site has all my info but does not follow up, just emails to give links to other insurance sites that you have to enter your info all over again!

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 3 out 3 people found this review helpful

    Scam and rip off company of other similar websites

    • Chico, CA,
    • May 2, 2018
    • Verified Reviewer

    Total scam and spam. I was click baited because they promised quotes from hundreds of companies. After I was done entering my information I was only given one quote available to look at and it didn't even give me a quote. I still had to go to another website and fill out more information!

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 4 out 4 people found this review helpful

    Waste of time

    • Hialeah, FL,
    • May 1, 2018
    • Verified Reviewer

    I took the time to answer all the questions from EverQuote just to arrive to a dead end, meaning, it only gives you a list of links. I was hoping to get a comparison table with insurance companies' specific figures for my quote, or at the least, that each tab-link will fetch a figure amount as an insurance quote, but no, once you hit the link it takes you to the website of the insurance company where you must start from scratch entering all the information again. A royal waste of time. EverQuote only intends to collect your information, but I assure you that their first email will be gratifyingly marked as "spam" and their phone calls blocked.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 3 out 3 people found this review helpful

    Horrible service!

    • Beaverton, OR,
    • May 1, 2018
    • Verified Reviewer

    Spend 10 minutes entering the information requested. Spend the rest of your life being hounded by phone and email and not get one quote.

    Stay away, complete scam! Everything about this service is false and misrepresented. I wish I never got involved.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 1 out 1 people found this review helpful

    Nothing but a telemarketing scam

    I hadn't even finished filling out my profile on their website before my phone started ringing. Three calls in five minutes from Allstate, Farmers, State Farm. They don't provide you with a single quote! Nothing, not a single rate. They provide links to Progressive, and possibly other sites, but after filling in the information at EverQuote you have to fill in additional information on the insurer's website. Ridiculous.

    Save yourself time and aggravation. Do your own shopping. This is nothing but a scam to put your phone number out there and probably get even MORE telemarketing calls.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 1 out 1 people found this review helpful

    Do not use them!

    • Las Vegas, NV,
    • Apr 30, 2018
    • Verified Reviewer

    Do not use them. They claim that you can get multi-quotes and will not share your info, just by filling it out ONCE on their site. NOT the case at all. I filled it out, and the only thing that came up was more LINKS to other companies...where (yep) I would have had to refill out all my info (which I did not do). I closed out the window and said well that was a bust and BOOM! My phone, emails, and text started blowing up from car insurance sharks. Hmmm, I wonder how they got my info. Then today in the mail, more insurance company sharks. SO to claim two things that are very clearly false to the public is just outrageous! THEY sell your info, so unless you want to have multi companies call, text, and email you that you did not reach out to, then yes, use EverQuote. Otherwise, don't!

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


  • 2 out 2 people found this review helpful

    Horrible. Scam. Be prepared to get bombarded with phone calls after they take all your info.

    I needed to read an article on Business Insider, and then I unchecked the adblock. And then got cajoled by a clickbaity headline about how two math whizzes are disrupting auto industry. I thought they are like the next Zuckerberg or Steve Jobs.

    This is absolutely low of low of Business Insider. EverQuote is a huge scam and giant spam producing racketeering machine. They require your phone number amidst all other personal confidential data such as marital status and then they UNABASHINGLY forward all your private and confidential info to thousands and thousands of auto insurance company who will non-stop call you WITHOUT promising an instant quote.

    Absolute disgrace and embarrassment of a company! I hope to hell they get themselves sued and ripped apart to shreds for dishonesty.

    Bottom Line: No, I would not recommend this to a friend

    Help others find the most helpful reviews

    Was this review helpful?

    yes no
    Comments (0)
    View all 0 commentsHide comments

    Do you have an account? Log In before commenting.

    (If you don’t have an account – don’t worry, you can create it after)


Showing 1-11 of 102

Write a Review for EverQuote!

Share your experience to help others shop smarter & discover great products.

Write a Review