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!

135 Consumer Reviews for EverQuote

Average Consumer Rating: 1.2
Rating Snapshot:
5 star: 3 4 star: 2 3 star: 2 2 star: 1 1 star:  127
Bottom Line: 6% would recommend it to a friend
Showing 1-11 of 135
Sort reviews by:

  • 1 out 1 people found this review helpful

    Scam - don't trust them!

    • New Jersey,
    • Sep 20, 2018
    • Verified Reviewer

    It is not true at all that they will give you the lowest quote after submitting your info. In fact, after submitting my information, they don't give any quotes! Instead, they transfer you to the insurance companies, and then the calls, email, and ads never stop. Stay away from 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)


  • 1 out 1 people found this review helpful

    Scam. Floods you with calls, emails, and spam ads.

    • Newburgh, IN,
    • Sep 18, 2018
    • Verified Reviewer

    Immediately after I gave my info, I did not get one quote.

    Emails from numerous insurance companies saying click here for your personalized quote, then it takes you to their website where you're asked to resubmit all your info for a quote.

    Also, the next day my social media account and my online store were bombarded with advertisements from EverQuote.

    Besides that, I have received at least a dozen calls from insurance companies and EverQuote. I have told each one to take me off their marketing list and still my phone rings several times per day.

    Do not use this company. They lie to you and get your information, then sell your info to dozens if not more insurance companies.

    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

    Not as advertised

    • Austin, TX,
    • Sep 16, 2018
    • Verified Reviewer

    The website itself was kinda hinky, jumpy. I had to enter the same info several times. No quotes. Calls started the day after, from a call center, who asked me the same questions and wanted to connect me to someone else to repeat the same info. Frustrating. Useless. 30 minutes I will never get back.

    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

    Total scam!

    • Canaan, NH,
    • Sep 11, 2018
    • Verified Reviewer

    They claim to provide you comparison quotes, but that's not true. What they do is to use your information to send insurance agents to your phone and email.

    Instead of a quote comparison in less than two minutes, I got five calls and two emails.

    DO NOT make the mistake I did! Run, not walk, away from these criminals.

    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

    Super cheesy and sleazy lead generator

    • Dallas, TX,
    • Sep 11, 2018
    • Verified Reviewer

    Don’t fall for their trap. It is a total scam lead generation site, they provide no services they represent. Be prepared to block a tremendous amount of phone numbers for everything under the sun, not just your request. Total scam!

    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

    Awful spam calls

    • Texas,
    • Sep 10, 2018
    • Verified Reviewer

    I hit "submit" and had ten calls in five minutes. No results on insurance options, just more 888 numbers to block. It's unnecessary spam no one needs to associate with. I thought it would do like what Kayak does for flights, but instead, it adds you to phone spam lists.

    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)


  • 0 out 6 people found this review helpful

    Satisfied customer

    • Charlotte, NC,
    • Sep 8, 2018
    • Verified Reviewer

    I saw an ad for EverQuote, and thought to myself here’s another company claiming they can find cheaper prices for your auto insurance. I completed the application online. Within minutes, I received several quotes from major carriers. To my surprise, one particular company in the past was quoting me much higher. When I used EverQuote that amount was literally slashed in half. I wish I would have discovered EverQuote long ago. I could have saved hundreds on my car insurance. I switched companies and couldn’t be more pleased.

    Bottom Line: Yes, I would 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

    Don't waste your time with EverQuote

    • Florida,
    • Sep 6, 2018
    • Verified Reviewer

    EverQuote says "give us a couple of minutes and a little information and we will give you quotes." It's a Lie! They sell your contact information and agents call you. No information is provided by them, annoying and a waste.

    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

    Stay away!

    • New York,
    • Sep 6, 2018
    • Verified Reviewer

    It jammed up my computer with their insidious ad. I could not get away from them. They are business wizards of the flash-in-the-pan variety. They will do well for a couple of years, but will leave a great deal of damage behind.

    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)


  • 0 out 3 people found this review helpful

    Best price, I'm sure! It is easy to use.

    • Austin, TX,
    • Sep 5, 2018
    • Verified Reviewer

    I'm not sure where the negative reviews are coming from, it's easy to use, and I'm pretty sure I got the best price. I switched, and I'm saving over $300 a year with the same coverage. How is there anybody else not getting how easy this is? Anyway, all I can say is just try it, and find out for yourself. Don't believe people that apparently don't know how to use a computer.

    Bottom Line: Yes, I would 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

    They do not forward the information given to agents

    • Duluth, MN,
    • Sep 3, 2018
    • Verified Reviewer

    Too smart, too late. Do not waste your time with these scam artists. You give them all the information for them to forward to other insurance companies and they do not do this. When you do check the emails that say review your quote, they have absolutely nothing for a quote, so if you want to get a quote from them, you start all over putting in all the information that you gave these buzzards (EverQuote). So do not give them any information.

    My advice, put all the information on the type of coverages you want and the vehicle information and then present it to an insurance agent or company of your choice, and keep copies of the quotes you get. Give each company the same information so you can compare apples to apples, and not apples and oranges. Best regards.

    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 135

Write a Review for EverQuote!

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

Write a Review