Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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You should always compare quotes from several companies before you purchase a car insurance policy, even if it can feel like a chore. Gabi is a fairly new company that offers to help speed up this process by allowing you to compare coverage from multiple insurers at once.[1]
Like Insurify and The Zebra, Gabi differs from competitors that act as lead generators and sell consumer data. Gabi can help you compare dozens of insurers and serves as the main go-between for you and the company. Online reviews vary regarding how well the company actually does this, however.
Here’s what you should know about Gabi to decide if it’s worth checking out.
Quick Facts
Gabi is an insurance agency and broker that works with more than 40 insurers.
Gabi allows you to easily upload your current insurance details to quickly compare coverage options, saving you the time and effort of re-entering information manually.
You can compare quotes for auto, home, and renters insurance with Gabi.
What is Gabi?
Gabi is an online insurance broker founded in 2016 that helps people find the best options for a few different types of insurance, such as auto, homeowners, and renters insurance. The company makes money through commissions from the companies it sells you policies for, but you can use the service for free.
Experian purchased Gabi — which is currently based in San Francisco — for $326 million in 2022, as part of the company’s efforts to branch out into new consumer-oriented fintech businesses.[2]
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How does Gabi work?
Gabi isn’t an insurer that underwrites and provides policies on its own. Instead, it’s an insurance broker that matches you with insurers that meet your coverage needs.
Gabi can help you find the best coverage option, as well as set up and maintain your policy with the insurer you select.
Gabi pros and cons
Pros
Quick process: You can expect to get quotes through the automated process in about two minutes. If any of your information requires manual review to check things out in more detail, the process can take up to two days.
Extensive list of partner insurers: Gabi shops for your quote from among more than 40 different companies. According to the company, this includes seven of the top 10 U.S. insurers.
Compares against your current coverage: Upload a PDF copy of your current declarations page or provide access to your online account with your current insurer, and Gabi can use your current coverage as a basis for gathering quotes.
Cons
No Android app: For the mobile-inclined, Gabi offers an iPhone app — but none for Android users.
Inconsistent process: Customer reviews report a wide range of outcomes. You might get one quote or several, for example.
Quotes may not be accurate: Gabi doesn’t initially collect all the information required to get an accurate quote. So, the quote you get is more of a rough starting point and may differ when you’re ready to purchase a policy.
Average cost of auto insurance
Gabi doesn’t set prices for auto insurance policies directly, since it’s a broker and not an insurer.
The cost for car insurance policies you purchase through Gabi depends on the insurance company in which you’re matched to and your own driving record, age, credit history, location, and more.
Gabi partners with more than 40 insurance companies, each of which has its own car insurance offerings. Many car insurance companies offer special coverage options, like rideshare coverage and roadside assistance. But in general, most companies offer the following types of basic coverage options:
Bodily injury liability
This covers the medical bills for any people you harm while driving (not including people inside your own car). It’s required in most states.
Property damage liability
This type of liability coverage pays for damage that you cause to someone else’s vehicle or property while you’re driving and is required in most states.
Uninsured/underinsured motorist
This coverage is required in some states and is optional in others. It covers you if an uninsured or underinsured driver causes an accident with you.
Collision
This pays to repair vehicle damage following a collision or covers its actual cash value if it’s totaled. If you financed your car, your lender may require this coverage.
Comprehensive
This coverage kicks in for non-collision damage to your car from incidents like storms, floods, animal encounters, or vandalism.
Personal injury protection (PIP)
This is required in some states and optional in others. PIP pays for medical bills and other expenses resulting from a car crash for you and your passengers.
Medical payments
Available in states where PIP is not, medical payments insurance only covers medical bills and not other expenses like funeral costs or hiring someone to help you as you recover.[3]
Car insurance cost by state
Where you live is one of the biggest factors affecting your car insurance cost. Unfortunately, you can’t really control how your location influences average premiums. But Gabi can help you find the cheapest car insurance in your area.
Your state sets the tone for the insurance market in many ways, which explains why insurance costs vary by state. For example, Michigan drivers pay an average monthly premium of $439, while New Hampshire drivers only pay $96.
Location-based factors like minimum insurance requirements, population density, weather risks, accident frequency, and crime rates can all influence average rates in a state. Your ZIP code also affects your car insurance costs. People living in urban areas may face higher rates of auto theft, which can affect your price.[4]
You might have more limited options for finding car insurance with a history of moving violations, since some insurers won’t cover drivers with negative marks on their driving record. It’s important to shop around for the best car insurance premiums, which you can do through Gabi.
Car insurance cost by age
Age also plays an important role in your car insurance premiums, especially for teenage drivers. The average premium for drivers younger than 25 is $3,690 per year. For comparison, middle-aged drivers (age 26 to 59) only pay $1,983 per year.
Young drivers pay more for car insurance due to a lack of experience and a greater likelihood of accidents and risky driving behavior. Many insurers offer discounts and special programs to help bring down the overall cost for families with teen drivers. Gabi can help you compare the costs of these companies.
How to get car insurance quotes from Gabi
Gabi’s main selling point is how quick and easy it is to get quotes. Here’s how the process works:
Gather your policy information. You either need a PDF copy of your current policy declarations page or the login credentials for your online account with your current insurer. Gabi needs this information so it can compare your current coverage with similar policies from other insurers.
Fill out the online form. Gabi will walk you through the process of uploading your PDF or logging into your account, as well as ask for contact information and basic details about yourself and your situation. Alternatively, you can call or text customer service to begin the process.
Get your quotes. Gabi will show you a list of quotes from different car insurance companies based on the information you’ve already provided. Some reviewers say they only received one quote, while others say they received several to choose from.
Choose a company. If you want to move forward with one of your options, Gabi will ask for a few more details about your vehicle and any other drivers.
Receive a final quote. Gabi will communicate with the insurers it works with to confirm final details about your policy. Your final price may differ from your quoted price — which represents one of the biggest customer complaints about working with Gabi.
Car insurance discounts
Looking for discounts is one of the best ways to save money on car insurance, and many insurers offer multiple options to policyholders. Common discounts reward drivers for bundling policies, driving safely, completing a defensive driving course, installing safety or anti-theft features, and more.
Gabi doesn’t explicitly list or consider all the possible discounts each of its partner insurers may offer, so you may need to research your discount eligibility from the different companies Gabi shows you quotes from.
Insurance bundling options
The Gabi online form will ask if you’re a homeowner or renter in order to consider any bundling discounts you may qualify for. Most insurance companies offer both of these popular insurance products.
If you hope to keep all your insurance products with the same company and you need other coverage types, such as life insurance, you need to do that research on your own from the quote options that Gabi offers.
Gabi reviews and ratings
Gabi hasn’t received as many ratings and reviews as other online insurance brokers. Customer reviews for Gabi vary depending on where you look. Some review websites list many positive ratings, while others show an abundance of negative reviews.
Gabi customer reviews
Gabi has an A+ rating from the Better Business Bureau, but the BBB hasn’t issued an accreditation for the company. Despite the A+ rating, Gabi primarily earned poor customer satisfaction reviews, receiving only 1.44 out of 5 stars. Customers often complain of inaccurate quotes.
Gabi has a better reputation with customers using its iPhone app, where it has an overall rating of 4.5 out of 5 stars. Customers cite how quick and easy the app is to use.
Gabi ratings
When deciding on an insurer, you should consider some important metrics that indicate financial strength, industry standing, and more. Since Gabi isn’t an insurer, it only has customer review ratings.
Better Business Bureau: A+ rating and 1.44 out of 5 stars
Apple App Store: 4.5 out of 5 stars
Gabi vs. other insurance-comparison sites
Many other companies can help you compare rates online from different insurers. Here are a few similar companies and how they compare.
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Gabi vs. Insurify
Both companies operate as online-comparison sites and insurance agencies that gather quotes and help you purchase a new car insurance policy based on your needs. Gabi allows users to upload a PDF or provide login credentials for current coverage options, while Insurify simply has users insert their information manually once to receive quotes from multiple insurers.
Gabi has a smaller partner network of 40+ lenders, compared to the 70+ insurers that Insurify works with. Gabi also doesn’t account for all the discount options you may qualify for. Insurify does, which may lead to more accurate quotes and fewer surprises if you decide to purchase a policy.
Gabi vs. Jerry
Jerry, like Gabi, is an insurance broker. Jerry advertises a partner network of more than 50 insurers, which slightly exceeds Gabi’s partner network. Jerry doesn’t disclose whether it factors any discounts you may be eligible for into its quote calculations, so you may need to do this research for yourself once you receive quotes.
Gabi vs. The Zebra
The Zebra is an insurance-comparison site that works with more than 100 insurers — making it the company with the largest partner network. If you decide to purchase a policy, you can buy it through The Zebra or through a licensed agent.
Gabi insurance FAQs
Shopping for insurance can present challenges and leave you wondering if you found the right insurer. Find more information below to help you decide if you should use Gabi to find coverage.
Is Gabi legitimate?
Yes. Gabi is a legitimate company that was launched in 2016. Experian, one of the three main credit bureaus in the United States, purchased it for $326 million in 2022. Gabi is based out of San Francisco, California.
Is Gabi car insurance worth it?
Gabi doesn’t provide car insurance directly, but it partners with companies that do. Gabi can quickly help you quickly compare quotes from multiple companies, but some customers cite some inaccuracy of quotes. Still, the company has helped many people find better car insurance.
What is the average cost of Gabi car insurance?
Gabi doesn’t set the price of the insurance policies it offers; it only sells policies that other insurance companies underwrite. So, the average cost of a Gabi car insurance policy depends on the insurer you end up purchasing coverage from.
However, the company does claim that the average person using its service saves $961 per year over their current insurer.
Who owns Gabi insurance?
Experian owns Gabi and is one of the three main credit bureaus in the U.S. As a part of a broader effort to own more consumer-focused fintech companies, Experian purchased the company in 2022.
Who should use Gabi?
Gabi, like other insurance-comparison platforms, can work well for drivers looking to save money and find a new car insurance policy. With Gabi, for example, you can potentially find the best insurance option for you from among the 40+ insurers Gabi partners with.
You’ll need to do some extra research after you get quotes from Gabi to learn about discount options, coverage types, ratings, and customer reviews.
Is Gabi good at paying claims?
Gabi doesn’t pay claims, because it’s not an insurer. You’ll need to file your claim with your actual car insurance company. Some insurers are better at paying claims than others, so you should look at claims satisfaction ratings for any potential options Gabi presents you with.
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
