Name: The Zebra Review
Item: The Zebra
Author: Bestmoney Staff

May. 31, 20214 min read

The Zebra summary

The Zebra is a leading insurance comparison site. While they have primarily focused on car insurance since their founding in 2012, The Zebra has expanded into homeowners and rental insurance. Their easy quote process and helpful representatives let you compare quotes from some of the country's top insurers.

Pros

Easy to compare quotes
No spam calls
Quick quoting process

Cons

No quote customization options
No 24/7 customer support

The Zebraat a glance

4.0

Editorial score

Variety of coverage options

Covers most types of damage, loss, theft and personal property. Maximum payouts for personal property

4.0

Customizable rates and services

Fully customizable plans and rates

5.0

Online experience and customer support

Fully functional site, with 24/7 communication

4.0

Quote time

Under 10 minutes

4.0

Direct Insurer?

Marketplace with only external links to insurers

3.0

Suitable For?

The Zebra is right for homeowners who want to quickly compare insurance quotes from many companies. The Zebra's service is tailored for customers who wish to do their own insurance shopping and get quotes based on their needs.

They also have plenty of options for companies that let you bundle your home and auto policies - , making them attractive for people shopping for discounts. Offering helpful educational material, the company’s annual State of Auto Insurance reports is a valuable source for those wanting to dive into research and data.

What Coverage Includes

The Zebra reviews and compares home insurance quotes from a variety of insurance companies that provide different types of coverage. While each company has unique policy offerings, you can usually count on them covering the following:

Dwelling
Other structures
Personal property
Additional living expenses
Personal liability
Medical payments

Many companies will outline the difference between:

Named perils—where your policy only encompasses named coverages
Open perils, which covers hazards not necessarily named on the policy

The Zebra outlines three types of policies their partners cover:

HO-2 Policy: This type of policy is the most basic you can get. It typically covers damages from fire, theft, lightning, explosions, riots, and aircraft or vehicle crashes. It covers only named perils
HO-3 Policy: Most homeowners in the US get an HO-3 policy, which covers your dwelling, its contents, and other structures on your property. These policies cover some named and open perils
HO-5 Policy: An HO-5 policy is the most comprehensive type of home insurance you can get without buying add-ons. It covers all dwellings and personal property on an open peril basis

There are some issues that almost no standard insurance policy will cover. For example, The Zebra's partners do not offer standard coverage for flooding, earthquakes, or neglect. However, you can get these types of policies at an extra cost.

Additional Coverage

While The Zebra does not offer its own riders and other types of additional coverage, many of their partners have comprehensive options for protection of your home and belongings.

Some companies offer:

Endorsements and floaters: You can get this rider on your policy to cover your jewelry, money, firearms, watercraft, business property on your premises, electronics, and more. These high-value items are not standard in a homeowner's policy
Identity theft: Many of The Zebra's partners offer identity theft insurance as an add-on to protect you from unauthorized access to your credit card or bank information. While each company's policy amount and costs vary, you can expect to pay an average of $25-$65 per year for $15,000 to $30,000 in coverage
Flood: You can usually get flood insurance on your policy through FEMA or private insurance companies that offer it
Earthquake: If you live in a high-risk earthquake zone, you should add an earthquake rider to your policy

Application Process

Because The Zebra is an independent online insurance comparison site, the actual application takes place on their partners’ websites. The Zebra offers tools and information to help direct you to an application process for an insurance policy.

On their website, The Zebra's quote comparison tool allows you to evaluate quotes from different insurance companies. You start by adding your zip code, which will then take you to the questionnaire.

You'll then enter personal information like the address of the home you want to insure and the type of home you own. You'll also see questions about your home's material, foundation type, proximity to places like fire stations, and if your residence is in a flood zone.

Next, you will answer questions about yourself and provide your credit score. The Zebra uses Insurability Score (click here to read more on their site) to determine your eligibility for specific policies.

If you have all information on hand, this process will only take you about two minutes. Then, The Zebra reviews top insurance companies like State Farm, Allstate, Liberty Mutual, and USAA to connect you with a policy.

Discounts

The Zebra doesn't offer discounts as an independent agency, but their partners do.

You can get discounts for:

Multi Policy
New roof
Claims-free
Non-smoker
New home
Automatic and paperless payments
Retired
Veterans
Gated community
Occupational

How Safe Is It?

A.M. Best does not have listed ratings for The Zebra, but it has them for their partners. The Zebra works with many insurance companies that have A++, A+or Superior ratings from A.M. Best. Some of these providers include:

State Farm
Allstate
Esurance
USAA

The Zebra also does not require you to provide your phone number, which means you don't get spam calls after receiving a quote.

Customer Support

The Zebra's customer support is available from 9:00 am-6:00 pm CST. You can contact them by phone at 1-888-255-4364 or email them at support@thezebra.com. If you Google the company, you will see The Zebra reviews are very positive because of their prompt service.

Once you decide on a policy, you will work with the respective insurer regarding customer service issues. Thankfully, many of The Zebra’s partners also have a good reputation with handling claims.

Summary

If you need to compare insurance companies fast, The Zebra has a user-friendly, comprehensive quote comparison tool to help you. Its intelligent toolkit and calculators will assist in determining what policies you need and at what coverage levels.

Above all, The Zebra gives you the independence you want when it comes to shopping for home insurance. The Zebra has many partners with comprehensive policy options, and you only need to fill out a two-minute questionnaire to access them.

Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Trustpilot reviews

See what some costumers are saying about The Zebra

Great•Reviews 81

Excellent

70%

Great

Average

Poor

Bad

18%

Alisheri Davlatkhujai
Nov 08, 2022
Thank you
Thank you zbb
...
paul marcum
Nov 07, 2022
Very helpful
I was very satisfied with my service from the zebra. The agent Summer P went above and beyond to help me figure out my specific situation.
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HANNAH ADAMS
Nov 05, 2022
Good Customer Service
Good Customer Service. My representative helped me find the best price without me having to work too hard.
...
Max Medina
Oct 19, 2022
Excellent services
Mr. Blake Trew & Nita Franklin were Excellent helping me with my Auto & home insurance need.
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Mich
Oct 19, 2022
Kim Bouget great rep
This was a little confusing but Kim figured out the best insurance for me. Definitely would recommend based on her effort.
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Sylvia
Oct 16, 2022
I heard The Zebra from its commercials
I heard The Zebra from its commercials, and I knew that I needed to switch insurance companies once I received my latest policy from my current insurer. At first, I thought they couldn't find a quote lower than my existing policy, but it turned out that they did. The representative that helped me (sorry couldn't remember her name) was so helpful and informative. If I have one complaint, it is that I wish I had done this sooner. Thank you, The Zebra, for finding the best rates for my car insurance!!
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Poker Fan
Oct 14, 2022
Don't waste your time
Tried it out to compare insurance companies and all they will do is show me progressive insurance. Total waste of time
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JOHN FITCH
Oct 04, 2022
It was awesome
It was awesome, thank you Janita.
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Tristen Jahn
Oct 03, 2022
Emily Houston was very helpful and…
Emily Houston was very helpful and friendly and found me a great rate. Would recommend The Zebra and Emily to friends and family.
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Patricia
Oct 03, 2022
The people I spoke with were very…professional
The people I spoke with were very professional. If I asked a question they were able to answer and explain it.
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Kippy Robertson
Sep 27, 2022
Last minute auto insurance the person who helped me was incredible patience took his time got me what I wanted.
The person who helped me was incredible patience took his time got me what I wanted.
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Michael Poquette
Sep 27, 2022
Disappointed that initial quotes ended up being considerably higher
I was really quite disappointed in my experience. I ended up spending about 2 hours with Customer Rep Blake and was exhausted by the time I agreed to accept the amounts for Home and Auto ins policies. BOTH totals were higher than what was given as an estimate. In fact, the Homeowners insurance was MUCH higher than the original estimate. This is not a good way to operate and the explanations given for the increased amounts were not reassuring. I suspect almost everyone that goes through the initial process and receives quotes, then finds out that the actual premiums are higher than the generated initial quotes. It honestly felt on the order of a 'bait and switch' tactic. While I'm sure this will be refuted, it certainly had that feel. After the dreadfully long period of time it took with Blake to get the finalized premium amounts, I was then told I had to talk to another person. They explained that I had to do the final stages online as I talked to her on the phone. It had to be done a certain way and done on the spot. Not only was this very clumsy, but it was also very stressful. I was intent on finalizing some new policies after my previous insurer kept jacking up the rates. I will say, however, that I will be on the alert for better rates if anything happens and they keep raising the rates. I would have been very happy if the initial quotes given had been the final rates. THEY WERE NOT of course. I should add that I will not accept this review being rejected on some so-called violation. I've given my honest opinion of my experience using non objectionable language and not not given any false information.
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Willie Gillyard
Sep 24, 2022
Professional Operation.....Save us…
Professional Operation.....Save us 200.00 per month HIGHLY RECOMMEND
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Keeron Thomas
Sep 24, 2022
Saved money quickly
My auto policy renewed in a fews days. So I gave the zebra a shot to compare multiple quotes quickly for my home and auto. The Zebra got me with Nationwide with an annual auto insurance savings of $752. My monthly payment went down by $70. I’ll recommend them to everyone! Give The Zebra a shot.
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WANDA HARDEE
Sep 23, 2022
I checked insurance prices on the Zebra…
I checked insurance prices on the Zebra and they saved me $1000. My insurance was cut in half.
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Audrey E.
Sep 13, 2022
Thank you, Deanna!
I had an absolutely amazing experience with Deanna! I had gotten other quotes before calling The Zebra, and she was compassionate, professional, and so easy to talk to! She eased my stress, helped me find the right policy, and saved me a couple thousand dollars (no exaggeration). She (and The Zebra) are fantastic!
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John Gyldstrand
Sep 07, 2022
Bait N Switch company
As soon as you give your info your phone starts ringing off the hook and the spam email's start...... Just wanted to see some quotes online and now getting slammed with phone calls. I'm in sales and have to answer every call since I deal with clients all over the country, now have to deal with annoying calls while working with clients over the phone. DO NOT USE THIS WEBSITE!!!!!!!
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Oren Reece
Sep 03, 2022
Wonderful experience dealing with the…
Wonderful experience dealing with the zebra representative. Found me a great rate got me insured and back on the road. I will definitely call them for any and all my insurance needs going forward
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Tammy Patisaul
Sep 02, 2022
Had an awesome experience from…
Had an awesome experience from beginning to the end ,,the lady I spoke with was so helpful and answered all my questions
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Zoe
Sep 01, 2022
I was extremely happy
I was extremely happy. I received the lowest quotes here after days and days and checking with many companies. Was able to pay and start my policy immediately and wish I had contacted The Zebra first. It would have saved so much time and aggravation if I had. :)
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Pistol Pete
Aug 21, 2022
Useless…
Useless…. It just gives you 1 or 2 names of insurance companies to call in order to get details, pricing etc… don’t waste your time
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Isaac
Aug 17, 2022
My agent Breonna was very 0utgoing & fun/Breanna is the bomb!
My agent Breonna was very 0utgoing & fun
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i MAGINE
Sep 13, 2022
ZEBRA IS A SCAM YOU CANNOT COMPARE…
ZEBRA IS A SCAM YOU CANNOT COMPARE RATES!!! YOU WILL BE REDIRECTED TO OTHER INSURANCE COMPANIES. WHERE YOU WILL BE REQUIRED TO AGAIN ENTER ALL YOUR INFO FOR EACH COMPANY. IT IS NOT A ONE STOP SHOP FOR INSURANCE RATES WHATSOEVER!!! IT IS A TIME WASTER!!!
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Nova Osha
Aug 04, 2022
Horrible!!!
So my auto insurance has been canceled since July 16th without my knowledge because they failed to push the auto payment form through, so they never took my payment 😡😡😤 and they never told me!!!! Since then I have driven from Tampa, Fl to Boston, Massachusetts to Chicago, IL, all while not even having insurance!!! They didn’t even communicate with me that the payment was missed!!! zebra.com is a joke
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Gary Mason
Aug 03, 2022
I moved to another state …
I moved to another state and it required my bbn old policy to be canceled and a new policy in my new state. Was on the phone for over an hour just to switch policy. Every thing was the same. Just to long to get something simple done.
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Angeliqe Flowers
Aug 02, 2022
Amazing Customer Service Team
Everyone I spoke to was very helpful. They takes me through every step and did not miss a beat! I have not experienced better customer service.
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Denese Diori
Jul 30, 2022
Excellent prices with wide range of selections.
Excellent service. Great prices. So happy that I found the zebra. Truly cheaper than all other quotes. Thanks
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Ryan Easly Designs
Jul 26, 2022
Every time I get back onto this site…
Every time I get back onto this site and request a quote it comes back either higher or lower for the same quote! If I had gone with the original quote it would have been higher that the second WITH the same company! I would think that Zebra would or could offer more than 2 companies to choose from. I'm disappointed at this point.
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Keith Johnson
Jul 23, 2022
I called to compare some auto insurance…
I called to compare some auto insurance rates. I ended up buying and saving money AND ended up checking on some homeowners insurance and saved money there also.
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Tim Abbott
Jul 18, 2022
Shopped and bought online and saved…
Shopped and bought online and saved $342. Found out I was being overcharged. Found The Zebra which actually allows you to compare plans. 7 options to buy.
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J M
Jul 13, 2022
Waste of time.
Waste of time.
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Reviews
Jul 11, 2022
Excellent
Excellent! Recommend!
...
Rogers Cantu
Jul 09, 2022
Incredible
Incredible, the amount of money I'm saving. Jay Estrada, you're the best hands down. If you want the best deals in town nobody finds them like Jay does. I'm glad I found this agent!
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Margaret Brooks
Jul 04, 2022
Excellent
Very helpful very polite explained everything clear to me I would recommend friends to switch to this company
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John Sica
Jun 20, 2022
Knowledgeable and Helpful
You could be waiting a bit before talking to a representative. However once connected, the people at Zebra are very knowledgeable, and also very helpful. I was a little bit leary about using an internet service for an insurance inquiry, but it was a very positive experience.
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Jill Yull
Jun 18, 2022
Emily was amazing
Emily was amazing! We had multiple policies to inquire about. She answered all our questions and found my husband and I great new policies. We saved a lot of money with almost identical or better coverage. Totally happy with Zebra! Just happens to be my favorite animal too….
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Cher Bear
Jun 10, 2022
Website is pretty much useless
Website is pretty much useless. Doesn’t give side by side quotes as stated. All it gives is about 2-3 companies for you to visit/call for a price. So what’s the point in that. I can just call each insurance company for a quote.
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Phantom
May 15, 2022
Hardly took anytime before I was on my…
Hardly took anytime before I was on my way.
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Jazziee Mariee Jayy
May 03, 2022
It was great
It was great, he was great. Made my 1st insurance policy a breeze. Great company
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Bill Johnson
Apr 13, 2022
Nice website but no quotes given
The website was friendly to use and simple to input all of the information they required. After finally getting all of that in I was presented with 4 options for insurance. I thought there should have been more having a credit score near 800 and no tickets or accidents in over a decade but I figured I'd continue and see what was offered. Progressive was at the top of the list so I clicked on them and a new link opened to their site. In their site I was directed to fill out all of the exact same information that I had already filled out on the Zebra site. In the end, I never got a quote at all from Zebra and ended up going with an entirely different insurance company altogether. Thanks for nothing Zebra! Nice website though and that's why I gave you 2 stars.
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Kathryn Lynch
Apr 07, 2022
Zebra is where it’s at!!!!!
I had a really good experience. The agent I had was amazing. He asked a lot of questions to make sure I got the best coverage for the least amount of damage to my wallet. I’ve never write a review for insurance but I had such a good experience that I just had to leave a review. I was on the phone for about an hour but my agent was very thorough so it was worth the extra time on the phone. Thank you all very much and I will def be referring my family and friends. Zebra is where it’s at!!!!!
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Robert Romines
Apr 02, 2022
Got the best service
Got the best service. They asked questions to make sure I got the best coverage and great price. Very patient and friendly. Not only did I get great car insurance but talked with another agent and got a whole life insurance policy with the best price I have found. It was a good day!.
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Sharon Latson
Feb 25, 2022
My experience with The Zebra is…
My experience with The Zebra is fabulous!! I had an insurance lapse and I Still received great rates from a well known insurance company! Simply the Best!!!
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kim ledwa
Feb 24, 2022
Had an excellent experience and ended…
Had an excellent experience and ended up saving money 💰
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William Milo
Feb 21, 2022
Having worked in the insurance industry…
Having worked in the insurance industry for a number of years I have to compliment Zebra on the professionalism and their staffs desire to work and fine me the right coverage. Well done.
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cheryl bell
Feb 04, 2022
Very good experience my agent was great
Very good experience my agent was great
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Gregory
Feb 04, 2022
Unfortunately
Unfortunately, I gave my email address to them then mysteriously received unsolicited car insurance spam emails from other companies within 2 hours. Quotes looked reasonable though, I suggest using fake email address until you are sure.
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TheWatcher
Jan 29, 2022
Dreadful Experience
This site purports to provide you with quotes for insurance. I filled out all requisite information and received no quote. It told me I needed to call to speak with a representative. Upon calling Zebra’s automated system sent me to some company whose name was never clearly annunciated by any of the three employees I had the unfortunate experience of dealing with. They proceeded to tell me they know nothing about the Zebra website and they have zero information to access the alleged quotes that I can’t see. So I filled out all the information only to have to repeat it again to a so-called agent of a totally different company. I would have never given them any of my private information if I had known I would be shuffled off to only the gods know where. Horrible experience all around.
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Susan Martin
Jan 20, 2022
This was my first time using this…
This was my first time using this website. I was very pleased and felt at ease speaking to your representative Johnny Hawkins ! He was helpful, pleasant and very informative! Thank you for your patience also!
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Brandon Carrera
Dec 21, 2021
Best rates around
Best rates I could find! No cap!
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Skyler Gould
Nov 17, 2021
I love it
I love it. They made getting insurance easy and the price was great I would recommend.
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Nancy Anglin
Oct 05, 2021
My insurance agent Aaron Alcala was awesome!!
My insurance agent Aaron Alcala was great! He took the time to find us a good auto insurance with a great rate. He answered all our questions and was very professional, friendly, and thorough. We will recommend The Zebra to anyone we know who is shopping for insurance. It's the best and if all insurance agents are as good as Aaron they will be well taken care of. Thank you.
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Mason Shishido
Sep 09, 2021
My interaction was great the lady that…
My interaction was great the lady that help me with my auto policy and renters insurance was patience and explained everything. The docusign was hard at first but that lady also patience with me also. Had a great experience with this company. MAHALO
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David Jutz
Aug 26, 2021
Great!!!!!!!!!!!!!!!!!!!!!!!!!
Great!!!!!!!!!!!!!!!!!!!!!!!!!
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Patrick Field
Aug 25, 2021
Wrong quote on auto insurance for…
Wrong quote on auto insurance for Liberty Mutual. Only off by $200 a month though no biggie....
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Christinelynn Morris
Aug 23, 2021
The gentleman was very helpful and…
The gentleman was very helpful and friendly. He answered all of my questions and got me a really good rate for my auto and renters insurance. My only concern is that I haven't received my cards or paperwork yet.
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Fernando Flores
Aug 18, 2021
Stephanie Fry did an excellent job with…
Stephanie Fry did an excellent job with my inquiry. She was very professional and helpful. I recommend her. Zebra has a valuable team member. I was very pleased.
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Bobby Paradise
Aug 15, 2021
Noe did a fantastic job
Noe did a fantastic job. He got me the best quote and saved me money at the same time. Very pleased!!!!!!
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Charles Gianotti
Aug 11, 2021
Absolute & utter garbage!
Absolute & utter garbage! Quotes weren't accurate & now my email is on a garbage list of car insurance spammers! Absolute waste of time. Stayed with my original insurance company as it was & still is the most competitive. Caveat emptor.
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Ronald Lord
Aug 10, 2021
WE LOVE THE...'ZEBRA'
The ZEBRA has GREAT, COURTEOUS, RESPECTFUL, ASSOCIATES, that help you through the entire auto insurance QUAGMIRE. The ZEBRA SAVED US 982.30 a YEAR OFF OUR EXISTING POLICY, and that was for TWO VEHICLES. " THANK YOU " ZEBRA WE LOVE "YOU''!!!
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Craig Godfrey
Jul 24, 2021
The Ads are true! TheZebra is the best!
Alejandro was the best! Considerate, patient and well informed. Helped me from the beginning till the end of my search for a affordable and quality automobile and home insurance. I highly recommend TheZebra!
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Mau Joe
Jul 14, 2021
This was really easy
This was really easy! Everyone is very friendly and helpful. I saved over $1000! Thank you 🙏🏽! I have the same coverage that I have with the Ms Flo 😇
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jeremy traglia
Jul 12, 2021
The platform is easy to use and…
The platform is easy to use and automatically ports your information to the insurance companies so that it doesn't have to be entered multiple times to get multiple quotes. The presentation of different options is easy to comprehend and compare, and includes coverages and total policy pricing.
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Sandra Welch
Jul 07, 2021
Great customer service by Jessie
Great customer service by Jessie, (Jesus), he took me through every detail, I was very impressed by his patience with me and all of my questions! Thanks so much for saving our family money on our home and auto insurance! Will definitely recommend and use again! Thanks again!
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T I
Jul 07, 2021
Excellent customer service
Excellent customer service. My agent really went to bat for me when the first carrier pulled a bait and switch. I felt taken care of and put first as a customer. Would 10/10 recommend and use again!
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John Cooke
Jun 29, 2021
An Agent that has his act together.
I was really impressed with the agent that handled our policy for car insurance. Gabrielle far exceeded my expectations for an Agent. He was very patient with my wife and I. He found my wife a great deal with a car insurance company that I really was not expecting. His knowledge and his thoughtfulness blew me away. I was not expecting the quote he came up with i really was bracing for an outrageous figure.What a real professional he was. I have been dealing with agents and service reps for quite a few years and they always were snooty and like the owned the company. Gabrielle is a real genuine down to earth guy. Zebra should be proud of Gabrielle and recognize that they have a special person on there team. Thanks again Gabe for your help and God Bless.
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Maryam Darwiche
Jun 25, 2021
Was the best car insurance quotes I've…
Was the best car insurance quotes I've gotten and the most easiest way to shop for insurance. Dropped my old policy due to I was paying way to much. Thank you soo much Zedra!!
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Wisp Clan
Jun 24, 2021
I found that the service was quick and…
I found that the service was quick and accurate and did not deter from what was quoted unless I wanted those changes on coverage. So far I’m very satisfied!! R. Velasquez
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Domenic
Jun 23, 2021
Great job by your sales rep.
Great job by your sales rep.
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T.
Jun 22, 2021
Lower rate
I needed a lower rate and Zebra come through for me and now I am happy. Great site and easy to use.
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Mike Cowan
Jun 17, 2021
I got exactly what I was looking for
I got exactly what I was looking for in a matter of 25 minutes.
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Darrell Bowden
Jun 16, 2021
Very informative and knowledgeable
Very informative and knowledgeable
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Arthur Headd
Jun 15, 2021
Really needed insurance
Really needed insurance. So it works for me.
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Micheal
Jun 12, 2021
Awesome service
Awesome service! Had trouble getting insurance with a ticket on my driving record but ray was able to get it worked out for me, Thank you!!
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Parker
Jun 10, 2021
Didn’t give me a quote
Filled out a very long form and was not given any actual quotes just links to geico progressive and esurance. When I clicked the links I was basically on their home page and still had to fill in a bunch of info before ever getting a quote.
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Jeff Simpson
May 31, 2021
Immediately spams you from GEICO after…
Immediately spams you from GEICO after completing a quote after promising "We definitely won't spam you"... 5 minutes later, inbox has spam. What a shame this company has become.
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Bre
May 28, 2021
Very fast service on getting a quote…
Very fast service on getting a quote and the agent was very informative and knowledgeable about the insurance rates and coverages.
...
Claire Flynn
May 26, 2021
Beni Lukumu was very helpful every time…
Beni Lukumu was very helpful every time I needed help and quick.
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Christopher Smith
May 25, 2021
Saved 3k in 5 minutes
Saved 3k in 5 minutes. Not kidding. Thank you so much. Zebra opened my eyes to competitive quotes
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2reviewsites
Nov 04, 2022
If there is a quote it's because you…
If there is a quote it's because you have to enter your information in the beginning and then to get a quote from any one of the one two three four five companies you have to enter it again and again and again and again
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Auspice
Mar 27, 2020
Just stealing your personal information
Supposedly you're coming here to get car insurance quotes. The thing is that they take all your personal information and then don't provide you with any actual quotes... if you want a quote you still have to go to each individual company site and type in all the information AGAIN. So what service are they providing? It doesn't seem like the site does anything. It's probably just designed to steal personal information to sell to marketers. (The only actual price they showed me turned out to be horribly wrong -- it was actually more than double on the company website.)
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