What is EverQuote?

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?

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, EverQuote had 37 reviews and a 3.2-star average rating, along with 11 complaints and an overall A- on the Better Business Bureau (as of 12/16/16).

Most reviews were negative, although there seemed to be a lot of confusion about the fact that EverQuote (despite its name) doesn’t provide auto insurance quotes.

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?

With mostly positive customer feedback, a similarly positive reputation with independent agents, and many years in the business, it seems that EverQuote is one of the better auto insurance lead generation websites out there.

As long as you understand that you could be contacted by up to three agents (who may represent many of the same insurance carriers), it doesn’t appear you’ll be unpleasantly surprised after handing over your information.

Just keep in mind two things: 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.

Before you go, did you use EverQuote? Did you get some solid quotes from agents, or was it a bust? Give us the details in your review below!

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67 Consumer Reviews for EverQuote

Average Consumer Rating: 1.0
Rating Snapshot:
5 star: 0 4 star: 0 3 star: 1 2 star: 1 1 star:  65
Bottom Line: 3% would recommend it to a friend
Showing 1-11 of 67
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  • Suspicious of site now

    • West Virginia,
    • Jan 15, 2018
    • Verified Reviewer

    I used this site believing it was a new startup venture to help people with lower premiums for car insurance and clicked the site. Not the case at, all and my car seems to be used in their adds, without my permission. This made me upset, and I tried to contact them with no luck to find a person, as well as being bombarded with more than three phone calls.

    If they monitor this site for the negative reviews, please call me, and we'll work out a compensation price for using my car to advertise your service.

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

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  • 1 out 1 people found this review helpful

    Car insurance quote

    All they do is sell your information to insurance companies. My email was slammed with insurance companies telling me that I’ll be receiving calls with quotes. The calls started within a 1/2 hour of entering my information. They present it like I’ll get better insurance rates immediately. Nowhere does it say they sell my information. The insurance companies that have called confirm they pay them a price for the lead. Spam email and calls within minutes. Biggest fraud out there. Not what was advertised.

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

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  • 2 out 2 people found this review helpful

    A bad experience

    I just want to agree with all of the other 1-star reviews. The site promises to save you the work of filling out information at a bunch of different sites and talking with agents. They don't give you a single quote, instead, they refer you to a bunch of different agents who flood you with emails and calls.

    Complete false advertising and bait and switch. Don't use them!

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

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  • 2 out 2 people found this review helpful

    Waste of time again

    After seeing the ads on the web, spending my time filling out the EverQuote form and expecting it to show me different offers, at last, it just showed me links to other insurance providers (see your quote). But I found out that it didn't push the info to those websites but just referred me, and I had to enter the information again. Totally against what was in the ads.

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

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  • 4 out 4 people found this review helpful

    Social engineering

    1. Advertisement: Claimed to be a "Fontana Company."

    False; entirely a lie.

    2. EverQuote: Claimed to provide a list of options to compare.

    False; the "list" had one company.

    3. EverQuote states, "...can save you time from filling your information on different insurance websites, instead, you only have to enter a few details in less than 2 minutes..."

    False; after entering my information, it showed me a link to a company that asked me to enter the information again.

    CONCLUSION: What EverQuote just did, by definition, is social engineering, which is a federal offense.

    When the USA was established, if a man on horseback came to town and made such promises, and returned with such results, they would be literally EXECUTED, by gunfire or by hanging.

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

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  • 3 out 3 people found this review helpful

    Horrible

    • California,
    • Jan 3, 2018
    • Verified Reviewer

    I had to read the reviews here. It's a dirty spam company. I get phone calls from all insurance companies, and they are mostly so rude. Unfortunately, I have to deal with those people who treat me like dirt occasionally. I couldn't find any way to block it.

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

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  • 2 out 2 people found this review helpful

    Just makes more work!

    I filled out all the info on EverQuote to get "multiple quotes" (stupid, I know), only for the company to generate a list of insurance companies I should contact to get insurance quotes from. Meaning, I would have to contact each of the companies EverQuote listed individually and go through the whole information process again, for EACH company. Stupid. I could have googled insurance companies myself and not given my info to a third party for NO reason. EverQuote just makes more work!

    No quotes were generated from the information I input to EverQuote. I filled out all my info to receive phone calls and spam email. Total scam!

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

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  • 8 out 8 people found this review helpful

    False and misleading ad

    • Seattle, WA,
    • Dec 30, 2017
    • Verified Reviewer

    EverQuote's online ad is a fake. It's misleading and it's false advertising. The ad says, "How 2 Math Grads are Disrupting the Auto Insurance Industry" and then shows a photo of three people (you guess which two, I guess, but I'm sure the picture is as phony as the article that follows it). They promote themselves as a startup and lead you to believe some smart people figured out a better way to do things when all they do is collect your data and sell it to the same old insurance industry companies you could find yourself. If they are a lead generator for insurance companies, then just be up front and say that, don't lie to fool the public. Nothing new or innovative about that.

    With me, it actually backfired because I'll never know if the companies they sold my information to are any good or not, because I'm so angry about being lied to that when they call I tell them that starting with unscrupulous tactics is no way to begin a business relationship and I refuse to do business with them.

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

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  • 8 out 8 people found this review helpful

    EverQuote

    It was nothing like what was advertised. The information returned to me was like them connecting me with agencies, and I had to fill out all the information again. I never saw a quote like they advertise. I would rather see them under promise and over deliver rather than this. Frustrating, and I won’t use their service nor recommend it.

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

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  • 0 out 1 people found this review helpful

    Mixed message agents.

    • Texas,
    • Dec 26, 2017
    • Verified Reviewer

    It happens just the same. I provided my basic personal info. Then calls and messages flooded in. I wasn't very comfortable at this point. I too was disappointed with the mix message advertisement.

    They called for days, but still, I answered. I confirmed info and heard the quote, which was lower, and I did appreciate her basic recommendation on the type of insurance for our vehicles. She explains we could be paying more than what our cars are actually worth in worse case totaled, which we are paying for basic liability and uninsured.

    Our insurance now didn't reveal this to us willing. We also can get a refund for paying too much by switching, which she would help with that as well. I see that this site or platform can take patience like any business transaction would. I don't claim to have much patience when I'm given mixed messages but I did stick it out looks like, and I appreciated what they explained to do, which was help me get a lower payment.

    Bottom Line: Yes, I would recommend this to a friend

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  • 14 out 16 people found this review helpful

    Waste of time!

    I came across this opportunity while looking at my news feed and it appeared to be a news story about a local business doing awesome things for the insurance industry. I quickly glanced at the article and clicked the link to get an insurance quote. After providing all of my information and clicking the "Get My Quote" link, I was given two buttons, "Get My Quote," from their insurance partners.

    One was for Allstate and the other was for State Farm. Neither button provided me with an actual quote but simply links to enter my information again to obtain a quote from each of those respective partners. What a waste of time.

    In my opinion, this is a scam to collect your information so that EverQuote and their "Partners" can fill your inbox, mailbox, and phone with unsolicited garbage related to insurance products that you really weren't looking for in the first place.

    I simply saw an opportunity to support local business ventures and was fooled by big business scammers into providing my information they already have. Don't waste your time and energy filling out this fake request for a quote. If you're looking for an insurance quote, do so with a reputable company or better yet with a local agent that will take care of you personally.

    Definitely, buyer beware!

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

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