About The Zebra

By Derek Lakin
HighYa Staff
Published on: Mar 30, 2015

Founded by Joshua Dziabiak and Adam Lyons, The Zebra is an auto insurance comparison website that provides instant, real-time quotes from hundreds of car insurance companies in seconds, including USAA, GEICO, State Farm, AAA, Allstate, and many more.

And because the process can be completed anonymously, The Zebra claims to help you find the best deals without the spam. As such, the company dubs itself “the Kayak for auto insurance.”

Let’s be honest; if you’ve spent any time searching online for auto insurance comparison websites, you’re probably a bit jaded. After all, many of these types of companies simply capture your information and then sell it to independent agents, who will continuously contact you. But is TheZebra.com any different, and is it worth your time?

We’ll answer these important questions in a moment, but let’s first take a look at how The Zebra works.

How Does TheZebra.com Work?

After landing on The Zebra website, you can begin obtaining personalized auto insurance quotes by choosing the year, make, model, and trim (if known) of your vehicle.

Then, after calculating your results, the website will display all your insurance carrier options on the right-hand portion of the screen, as well as pricing information. On the left-hand side of the screen, you’ll be able to enter additional relevant information such as your birthdate, marital status, gender, age first licensed, whether or not you’re currently licensed and insured, citations/accidents, vehicles, other drivers in the household, and more. After you’ve entered this information, you can press the “Update” button to refresh your list of available insurance companies and the associated premiums.

A screenshot of thezebra.com An example of some of the many questions The Zebra will ask in order to provide you with a list of carriers and premiums. Once you’ve entered all your information, you’ll receive a list of available insurance companies and their policy premiums.

Based on the amount of information you’ve entered, The Zebra will display an “estimate accuracy” ranging between low and high that’s continuously updated throughout the process. Once you get about halfway through, TheZebra.com will ask if you want to save your progress by entering your email address.

Finally, once you’re finished entering all your information, you can click on the Confirm Now button next to the company you’re interested in applying with. Once you do this, a popup will appear that asks for your contact information in case your chosen option isn’t available for one reason or another.

You’ll also be prompted to contact a TheZebra.com licensed agent in order to confirm your quote, help uncover any additional savings, and—presumably—help you purchase a policy (we’ll talk more about this in a moment).

The Zebra Is Not an Insurance Company

First and foremost, similar to other insurance comparison websites such as Compare.com, Get My Insurance, and Best Quotes, The Zebra is not an insurance company. Instead, they help match you with insurance carriers who can provide you with the best coverage and rates based on your specific needs.

The Zebra’s Estimates Are Not Guaranteed

Also, as we’ve mentioned in many of our other insurance comparison website reviews, the rates displayed on The Zebra’s website are wholly dependent on the information you provide. In other words, if you neglected to list an accident or citation, a young driver in the household, or any other “big ticket” items, it can drastically alter your premium.

On top of this, many auto insurance carriers have moved to multi-variant rating (also known as predictive modeling) systems over the past few years, which means that seemingly inconsequential factors, such as quote vs. effective dates, can impact your premium. This also goes for credit rating (also known as insurance score), which is something that The Zebra doesn’t factor into their automated quoting system.

When It Comes to Insurance, Price Isn’t King

Keep in mind that although it’s tempting to always pick the lowest-priced auto insurance option, the few dollars you save each month might come back to bite you in the event of a claim. This is because some carriers will provide added policy benefits (such as replacement cost coverage, uninsured/underinsured motorist, and much more) that could translate into thousands of dollars once a claim occurs.

For more details, we might recommend reading through Consumer Affairs’ Auto Insurance Buyer’s Guide.

The Zebra.com Difference

Unlike the other sites mentioned above though, The Zebra doesn’t appear to be a lead generation company that sells your information to independent agents. Instead, it appears that once you’ve chosen a specific company, you’ll have to contact The Zebra directly and speak with a licensed insurance agent, who will then presumably sell you the chosen policy.

In other words, it appears that The Zebra essentially acts as its own lead generation website, after which, one of their agents will help you find an auto policy that meets your needs. However, once you’ve purchased a policy, it’s unclear whether The Zebra will continue to act as your agent (e.g. for billing questions, policy changes, etc.), or if this will be handled by the insurance company directly.

Are The Zebra Customers Pleased with the Service?

Although The Zebra has been in business since 2013, there weren’t any online customer reviews available at the time of our research. The company has been featured in a variety of popular publications, including Inc., Forbes, Wall Street Journal, TIME, and more, where their ease of use and the ability to compare most of the top carriers were the top-cited compliments.

From a company perspective, The Zebra based out of Austin, TX and holds an A+ Better Business Bureau rating, with no closed complaints (as of 3/26/15).

The Zebra Pricing

The Zebra is completely free to use.

Once you’ve completed your quote, you can contact a licensed agent by calling 855-255-4364.

Should You Use The Zebra to Purchase Auto Insurance?

When it comes down to it, The Zebra appears to outshine other auto insurance comparison websites by providing you with real-time estimates, as well as the ability to purchase a policy directly through them once complete. On top of this, since The Zebra provides a completely in-house experience, you won’t have to worry about having your information sold to third-parties, and the resulting spam and unwanted sales calls.

However, keep in mind that your quote is only as accurate as the information you input, so before putting too much stock in your online quote, make sure you contact The Zebra to verify that your rates are accurate.

See Also: How to Lower Your Car Insurance Cost and Still Have Enough Coverage


Read 61 The Zebra Customer Reviews and Complaints

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Average Customer Rating: 3.2
Rating Snapshot:
5 star: 28 4 star: 5 3 star: 2 2 star: 3 1 star:  23
Bottom Line: 56% would recommend it to a friend
Showing 1-11 of 61
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  • Service

    • Indiana,
    • Nov 15, 2019
    • Verified Reviewer

    Today I spent over 3 hours on the phone. My issue wasn't resolves. Called multiple times because kept getting hung up on. Last call asked for a supervisor and was told they were too busy for me and I would receive a call back. Never received a call back and now your offices are closed.

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

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  • Very informative when asked a question or explaining things

    • Gibsonton, FL,
    • Nov 12, 2019
    • Verified Reviewer

    Was very pleased with them. Very informed when asked a question. Took time to explain everything. Suggested things available and what it would cost each month.

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

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  • Amazing service!

    • Florida,
    • Nov 11, 2019
    • Verified Reviewer

    At first I was skeptical of the website because I had just googled "car insurance plans" and TheZebra.com was one of the first options as an advertisement but I gave it a shot and I'm glad I did because they gave me a rate with a new insurance company for a much lower price than I thought was even possible!

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

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  • Total come on advertising

    • Austin, TX,
    • Nov 9, 2019
    • Verified Reviewer

    I clicked on an ad to "see your insurance rates quotes". What a fake deal. I started entering my info and 1 second after the phone number my phone started ringing and has continued ringing!

    I ended up entering my info 3 times, for The Zebra, Best Auto Insurance, and Ticles.comparison.org - dot org! That is where I started. I thought, hey a dot org has to be legit. I finally hit the dead-end in The Zebra. I could not hit the Done button to actually "see" any quotes!

    DON'T touch this website - you will be inundated with phone calls and get nothing online!

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

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  • Car Insurance

    • Houston, TX,
    • Nov 8, 2019
    • Verified Reviewer

    Zebra was excellent. The representative was polite and helpful. Zebra had the best rates for car insurance. I am very satisfied and would recommend to everyone. I tried other sites but Zebra was the best!

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

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  • My opinion of the associate who helped me

    • Sentinel, OK,
    • Nov 7, 2019
    • Verified Reviewer

    When I called The Zebra the lady that answered was so sweet, nice, friendly, very helpful, explained everything perfectly, went above and beyond to help me and I would recommend The Zebra to everyone. Thanks so much, you guys are amazing.

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

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  • 1 out 1 people found this review helpful

    Excellence

    • Texas,
    • Nov 1, 2019
    • Verified Reviewer

    I had a very pleasant and helpful experience. The rates were great, and the agent was very friendly and communicated well and thoroughly. I had called only for a quote, and I decided to sign up due to the good rates and excellent service.

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

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  • 1 out 1 people found this review helpful

    Amazing customer service

    • California,
    • Nov 1, 2019
    • Verified Reviewer

    This is my second time going through The Zebra and I had a wonderful experience yet again. The customer service reps take time to get to know my wants and needs without sales pressure. They have access to so many companies and save me a TON of time. Thanks so much for making my insurance purchase fast and easy!

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

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  • 2 out 2 people found this review helpful

    Very helpful

    • Bluffton, IN,
    • Oct 28, 2019
    • Verified Reviewer

    Everyone was so helpful to get my lowest rate, thank you for all your help and patience with all my callbacks...Ashley was my agent and she was available every time I called back. Thank you so much, I truly appreciate everything Ashley and The Zebra did for me.

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

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  • 0 out 2 people found this review helpful

    I pay less

    • Los Angeles, CA,
    • Oct 21, 2019
    • Verified Reviewer

    Wasted my time there, I am paying less with who I am currently insured.

    So if you have a clean record, not driving so much a year, and not a car that is Lamborghini or Ferrari, call an agent that can ensure you with Mercury.

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

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  • 1 out 1 people found this review helpful

    There when we needed it.

    • Illinois,
    • Oct 19, 2019
    • Verified Reviewer

    We were in an evening on our way to pick up a used car we bought from a private seller. We were in contact with another insurance but were rejected at the last step, they say they need additional verification. We were dissatisfied and went on Google trying to get whatever we get the soonest since we need the insurance so we can get the car off the parking lot.

    I haven't heard about The Zebra before but we're satisfied both with the customer service and with the amount that we paid. They were there when we needed it.

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

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    • Oct 22, 2019

      Company Response from Insurance Zebra, INC

      Hello Robie - We're so pleased we were able to help you in a pinch and your new (used) car was covered quickly. Another win for the internet! - Daniel W.


Showing 1-11 of 61

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