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!

111 Consumer Reviews for EverQuote

Average Consumer Rating: 1.1
Rating Snapshot:
5 star: 2 4 star: 1 3 star: 2 2 star: 1 1 star:  105
Bottom Line: 5% would recommend it to a friend
Showing 1-11 of 111
Sort reviews by:

  • Don't bother!

    • Kalamazoo, MI,
    • Jul 11, 2018
    • Verified Reviewer

    OK, so I fell for it too and already have a ton of calls coming in. The site only referred me to other companies, and I would have had to fill out their forms anyway. I thought it was going to be more like a travel comparison where you could see all the quotes up front without dealing with insurance agents. Don't bother!

    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)


  • Total scam!

    • Washington, DC,
    • Jul 7, 2018
    • Verified Reviewer

    DO NOT share your information with this company! It is a total scam with very deceitful business practices! The other commenters are right, as soon as you hit "send" you will get flooded with sales calls from insurance companies even if you select "Do Not Send Me Quotes." Shame on this company! The people pictured in the photo advertising the company should be embarrassed their image is being used.

    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)


  • Waste of time.

    • Big Bear Lake, CA,
    • Jul 2, 2018
    • Verified Reviewer

    I have to agree with all the other one-star reviews. Nothing but a BS portal. Do your self a favor, save some time, call someone local. Any and all future responses from my brief interaction with EverQuote will be left in no doubt as to how they have just wasted their time.

    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)


  • Bad practice

    • Bourbonnais, IL,
    • Jun 28, 2018
    • Verified Reviewer

    Yes, I filled in their questioner looking for a better auto insurance quote. The options they provided was with the SAME COMPANY I'm already with EXCEPT it did not include the higher rate I'm being charged for a minor accident. So what this company found for me was useless. Also, every time I turn on MY computer, I see this ad advising all Bourbonnais residents to look into their services. I would NEVER recommend anyone to use this service! I also feel this company is using misleading advertising. They need to quit it!

    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)


  • Bad service!

    • South Miami, FL,
    • Jun 25, 2018
    • Verified Reviewer

    I saw an ad that said EverQuote was killing the insurance industry and caught my attention. After completing all their forms, I was redirected to all the different insurance companies to do everything from scratch. Immediately I started getting calls and emails from them. I believe these people are the same as any other affiliate and don't respect customer's privacy. Don't use this website!

    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)


  • Don't waste your time on this site

    • New York,
    • Jun 23, 2018
    • Verified Reviewer

    They claim to give you a quote, but after you fill in all your info personal info, car details, DOB, number of drivers, address, phone, email, etc., they just redirect to another an insurance company, so it seems they are just harvesting personal data and selling it. Keep away from this site. There is no minus review star so had to give it one star.

    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

    EverQuote auto insurance recommended quotes

    • Phoenix, AZ,
    • Jun 20, 2018
    • Verified Reviewer

    EverQuote's service is of little value to me. The insurers that they recommended did not have any of the data that I inputted to EverQuote's forms. Therefore it takes me 20+ minutes to repeat all of this information to the potential insurers. I can do this more easily without EverQuote.

    This service is not ready for prime time. They need to go back to the drawing board.

    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

    Website sucks

    • Spokane, WA,
    • Jun 8, 2018
    • Verified Reviewer

    I couldn't even get through the entire application because it sucks so much. I am glad I didn't finish the application after reading through everyone's reviews. So yeah, I'd probably not waste your time with this application. Asks way too many questions and it is not easy to use.

    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)


  • 8 out 9 people found this review helpful

    This is a total scam!

    • Queen Creek, AZ,
    • May 29, 2018
    • Verified Reviewer

    Do NOT do this! I entered the requested information about my cars and instantly had about 10 phone calls. I wanted to get estimated quotes via email so I could compare them, but it was awful. I had to block all these numbers. Then I got emails every 5 minutes telling me that I had a new quote but all it was was a link to various websites for various insurance companies, and I was supposed to fill in all the info again. The whole point was they said they would take my info and get the quotes.

    OH MY GOSH - it has been a week of craziness with all these calls and people wanting all my information (which I do not have time for and which was why I tried it). I will stick with my local insurance guy. UGH!

    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)


  • 10 out 10 people found this review helpful

    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)


  • 12 out 12 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)


Showing 1-11 of 111

Write a Review for EverQuote!

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

Write a Review