The Zebra Insurance Reviews

What is The Zebra?

The Zebra is one of the most popular online insurance comparison platforms in the United States. Founded in 2012, it focuses mainly on auto insurance but also offers homeowners, renters, and other insurance types. With a simple quote form, it claims you can compare rates from multiple carriers in minutes.

But is The Zebra really the best option for finding the lowest rate with the most coverage? Let’s break it down.

How The Zebra Works

1. You enter your details – name, address, vehicle, and driving history.

2. They run your info through their partner network.

3. You get quotes from a limited list of insurance companies.

Sounds convenient, right? It is — but there’s a catch: The Zebra only shows results from carriers they partner with, meaning you may not be seeing the cheapest or best options available.

Pros of The Zebra

✅ Fast & easy – Get quotes in minutes.
✅ User-friendly interface – Simple and modern design.
✅ No spam calls – Unlike some competitors, The Zebra doesn’t sell your phone number to dozens of agents.

Cons of The Zebra

❌ Limited carrier network – You only see rates from companies they work with.
❌ Primarily auto-focused – Limited options for other insurance types.
❌ Not always the best deal – The “lowest rate” might not actually be the lowest if your best carrier isn’t partnered with them.

The Zebra vs. Toby Hansen Agency

Here’s where the difference is huge. While The Zebra compares a small network of insurers, Toby Hansen Agency searches nearly 100 carriers nationwide — including many The Zebra doesn’t partner with — to make sure you get:

• The lowest possible price

• The most coverage for your money

• Personalized service from a real agent in Missoula who understands your needs

Typical Price Range

Auto insurance rates in the U.S. vary depending on your driving history, age, and location. On The Zebra, average quotes often range:

With Toby Hansen Agency, customers often save 15-30% compared to online-only platforms like The Zebra, while getting more coverage.

The Bottom Line

The Zebra is a convenient way to compare a few insurance options quickly. But if you want the absolute lowest rate and full market comparison, Toby Hansen Agency is the smarter choice. We work for you — not the insurance companies — to get you covered for less.

Get Your Free Insurance Quote Now

Don’t settle for limited comparisons. Let Toby Hansen Agency search nearly 100 carriers to find your perfect coverage. Fill out the free quote form below and start saving today!