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.


Read 111 The Zebra Customer Reviews and Complaints

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Average Customer Rating: 3.9
Rating Snapshot:
5 star: 73 4 star: 6 3 star: 2 2 star: 3 1 star:  27
Bottom Line: 72% would recommend it to a friend
Showing 1-11 of 111
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  • If it’s too good to be true...

    • By Philip Y.,
    • Florida,
    • Jan 27, 2020
    • Verified Reviewer

    Not impressed at all, basically only 2 quotes were available online, out of only a few companies. I knew it was hype and it is, don’t waste your time because now your info is out there.

    I really feel let down! I live in Florida where all the liberals won’t enforce our auto insurance laws against people who have no insurance, so the rest of us have to basically subsidize them, but this site won’t even quote uninsured motorists option, which you need when you live in a state that lets low life’s drive away from traffic stops and accidents with no insurance!

    Not the site's fault but it definitely falls short of their save money claim!

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

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  • Easy, awesome experience. Fast.

    • By Brian D.,
    • Cocoa, FL,
    • Jan 25, 2020
    • Verified Reviewer

    I called, they gave me a representative, I didn't wait long. They gave me the best insurance quote possible. Cheap and fast. Walked me through a couple of questions and before I knew it I had insurance within about 5 minutes.

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

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  • Excellent service

    • By Marsha P.,
    • Springfield, MO,
    • Jan 23, 2020
    • Verified Reviewer

    Zebra has supplied me with the lowest prices for a few years now! I would highly recommend trying them! Fast and efficient! When I have had to call them to resolve an issue, they were extremely nice and easy to talk to.

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

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  • Excellent customer service

    • By Manuel C.,
    • Weston, FL,
    • Jan 16, 2020
    • Verified Reviewer

    The CSR that took care of my situation (Annalisa Castillo) was knowledgable, had perfect demeanor, and a very pleasant and reassuring tone of voice. She guided me from the beginning to the end of the process, she was very professional when she sent me a follow-up email to make sure I have all I need including other options for my house coverage.

    Kudos to Mrs. ANNALISA CASTILLO.

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

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  • Great experience, fast and effective, and I had the greatest rep, she was amazing

    • By Loletha M.,
    • Arizona,
    • Jan 16, 2020
    • Verified Reviewer

    I was able to acquire my insurance before 8 am and before I had to go to work. My insurance agent rep from The Zebra was absolutely amazing; she was very compassionate, understanding, did not talk over me, and she really really sold the products. I am so eternally grateful for her assistance and I forgot her name, I'm terribly sorry.

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

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  • Insurance needs

    • By Brandy G.,
    • Poplar Bluff, MO,
    • Jan 14, 2020
    • Verified Reviewer

    Ok, so I had looked everywhere for insurance that fits my budget and needs. I kept getting runarounds from various companies and offers were too high and no one would explain the plans they offered and made me a nervous wreck. But The Zebra was very informative and also explained my cheapest options and helped me save money. I was shocked and grateful the woman I spoke to was a blessing great customer service. I thank you and will recommend your company to all my friends and family. Thank you again!

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

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  • Car insurance

    • By Johnnie F.,
    • Moffat, CO,
    • Jan 13, 2020
    • Verified Reviewer

    Agent was very helpful, and your product was fairly priced, overall a good experience. Had two days of misery with other companies that were trying to rip me off. Thank you.

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

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  • Five stars for excellent service and price

    • By Shelley B.,
    • Harrisburg, OR,
    • Jan 13, 2020
    • Verified Reviewer

    I'm so glad I called The Zebra and got a new policy through them. Agent was very efficient and knew everything I asked questions about. Getting a policy was quick...agent was very nice and was personable also. A happy new policyholder, thanks.

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

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  • Lowest rate fast!

    • By Halima F.,
    • Orlando, FL,
    • Jan 9, 2020
    • Verified Reviewer

    Florida has ridiculously high insurance rates! Zebra.com found a rate of $120's! Cheaper than what I was already paying! I'm super excited to start with Zebra. I have an EXCELLENT driving record and I pray it remains the same; but the rates I was receiving were absolutely offensive! Yet in insurance carrier's defense, there ARE multiple accidents EVERY SINGLE day.

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

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  • Perfect service!

    • By Renee O.,
    • Texas,
    • Jan 8, 2020
    • Verified Reviewer

    I worked with Annalisa Castilo and she actually saved me from having made a potentially very costly decision. She went WAY above and beyond to look out for my best interest. The process was made smooth and very easy to get the best price available for my auto insurance. That kind of customer service right from the start is incredibly valuable to me. Thank you Annalisa for everything!

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

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  • Fast cheap insurance

    • By Zachary J.,
    • Kansas City, KS,
    • Jan 7, 2020
    • Verified Reviewer

    The Zebra helped me pull many quotes from many companies and finally gave me a way to a great company with a great rate and a great low deductible. No hassle, no BS, just a simple great policy, very quick, very easy.

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

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Showing 1-11 of 111

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