Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Oct 18, 2021

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Austin, Texas-based company, which was founded all the way back in 2012, allows you to compare car insurance rates from over 200 carriers. They even count the Mark Cuban Companies as an investor. While they are not accredited with the BBB, their goal is to make insurance as simple as possible with their Zebra car insurance comparison.

The purpose of this article is to learn about “The Zebra” to determine what they’re all about. And more importantly, find out if they can save you money on car insurance, which seems to be their one and only goal.

Instead of calling and/or applying at each of these companies individually (or calling The Zebra insurance phone number), or using an independent insurance agent, you can let their supercomputer do the heavy lifting for you.

Ready to compare auto insurance rates before you read The Zebra review? Enter your ZIP code in the quote box above for free car insurance quotes.

What is Zebra Insurance?

The way it all works is pretty simple. And it’s not unlike the process you’d go through with an individual carrier or broker.

They refer to themselves as the “nation’s leading insurance search engine” with a real-time Zebra insurance comparison engine at your fingertips.

There are a lot of companies in the insurance industry, and it can be difficult to find the right auto insurance provider for you. The Zebra claims to make this process easier for insurance shoppers.

I took the plunge and signed up to see firsthand what it was all about.

First, you tell them about yourself and your vehicle so they know more about your driving history and your insurance needs.

This includes providing your name, address, phone number, and email address, along with vehicle make, model, and year.

There is also a series of questions about what type of driving you do, if you work, how long you’ve been insured, and more.

This is because auto insurance providers consider factors like your age, marital status, gender, credit score, and driving record when setting your auto insurance rates. These factors make up your risk profile.

Generally speaking, those with excellent credit and a clean driving record will have the easiest time finding cheap car insurance.

You can go back and edit these details if you wish, and your answers will unlock certain discounts.

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How can you unlock discounts on the Zebra?

As you can see, I was able to get “currently insured” and “low mileage” to appear, along with several others. Most major insurance companies offer multiple auto insurance discounts.

The car insurance discounts that appear on Zebra are populated based on your answers to give you more accurate pricing.

Next, they provide you with instant Zebra auto insurance quotes from “dozens” of “top insurance companies” free of charge. Obviously, no one would charge for this, right?

They also list several car insurance companies that don’t provide Zebra auto insurance rates, which ostensibly require you to visit their individual website for pricing.

You’ll see four main coverage levels, including minimum coverage, basic, better, and best so you can choose the right level of coverage for your needs.

How do you find the right auto insurance coverage for your needs?

Essentially, the more coverage you want/need, the higher the category, and the higher the price. This all makes sense.

You’ll have to decide whether the state-mandated liability insurance (consisting of bodily injury liability and property damage liability coverage) is enough coverage for you, or if you need to add options like collision and comprehensive coverage. Then there are additional coverage options like GAP insurance and roadside assistance.

I was presented with 6-7 Zebra.com auto insurance quotes in each category, along with some others that just said “get quote.” This is how you get personalized quotes from the Zebra.

It showed the monthly price of coverage, and once you hit “confirm now,” it shows a little more detail about the auto insurance policy and pricing.

Assuming you want to move forward, you can select the Zebra auto quotes that appeal to you and secure an auto policy almost immediately online or with one of their licensed insurance agents.

This is simpler than going through the quote process multiple times for multiple different insurers, and it produces fairly accurate quotes based on your personal information.

They refer to it as “insurance in black and white.” Get it? Zebras? They’re black and white. Insurance is, or should be, black and white (aka not complicated) too…

Should you try comparison shopping with the Zebra?

The Zebra compares to Kayak, but for insurance as opposed to booking flights or hotels.

While it’s helpful to use The Zebra insurance comparison to search auto insurance quotes in one convenient place, there were some drawbacks.

For one, I was only able to see quotes from 6-7 auto insurance companies, despite there being 200+ companies, apparently.

It would certainly be nice to see more providers listed. Additionally, including other companies without showing affordable Zebra auto insurance (a quote) kind of defeats the purpose, right?

You’re using The Zebra to get a bunch of quotes from a single online application – the last thing you want to do is go to another website and fill out another application.

Also, you can’t shop anonymously – they ask for both your email and phone number to get the Zebra auto insurance quotes.

This resulted in a phone call, text, and email from another carrier. We’ll see if any additional spam calls follow.

On the other hand, they do provide you with at least a half dozen options (in my case), which is better than one, two, three, four, or five.

And I assume in some cases, you might see a lot more auto insurance carriers depending on where you reside and your other personal details.

If one of those carriers happens to beat the pants off your current auto insurance company, you basically win. And the shopping experience only took a few minutes. So what’s not to like?

The Zebra is pretty painless, quick, and easy, and it might be worth a shot to see if you can do any better on your car insurance. There are a lot of auto insurance comparison sites out there, including this one.

Now that you have finished reading The Zebra review (and reading about its Zebra auto insurance comparison), you can proceed with saving on auto insurance. Type your ZIP code into the quote box below in order to see insurance rates from various companies.

Read more: 10 Ways to Lower Your Car Insurance Premium