Policygenius Review: Legit or Just a Lead Generator? (2026)
Policygenius doesn’t provide real-time quotes, but it can help you buy auto insurance.
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Excellent
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Written bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Edited byKatie Powers
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
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Table of contents
Policygenius is an insurance marketplace that offers a quote-comparison experience, sells different types of insurance policies, and provides unbiased education on car, disability, life, and home insurance. The company earns a commission from insurance companies for each sale made through the site. It’s not a lead-generation site and doesn’t sell your personal information.
Completing the online form for car insurance quotes through Policygenius can result in a combination of estimated quotes and opportunities to go directly to the website of an auto insurer. You can also speak directly to a licensed insurance expert with Policygenius who can talk to you about your specific insurance needs.[1]
Quick Facts
Policygenius offers quote comparison for life, auto, home, and disability insurance.
Policygenius has a customer rating of 4.6 out of 5 stars on Trustpilot.
The online quote process for Policygenius is somewhat tedious and lacks a progress tracker.
Policygenius at a glance
Founded in 2014 as an online life insurance marketplace, Policygenius has since expanded to sell other insurance products.[2] It isn’t an insurance company, and it doesn’t underwrite policies. Rather, Policygenius is an insurance-comparison website that helps people compare policies from top insurance companies to find the best deal.
Because Policygenius is an independent insurance broker that sells coverage from many different insurers, the company makes a commission from each sale.
With Policygenius, you can compare quotes online or contact one of its licensed experts for personalized assistance with your quote whenever you need it. You can use the site to compare estimated quotes and shop for:
Car insurance
Home insurance
Life insurance (including term life, whole life, and no-medical-exam insurance)
Disability insurance (including long-term care insurance)
The site also provides people with a wide range of insurance-related educational content and offers helpful tools, like calculators and guides. Since 2014, the company has sold more than $200 billion in coverage and has helped more than 30 million insurance shoppers.
Pros
Policygenius offers free quotes for auto, disability, home, and life insurance.
Licensed experts are available to answer questions and complete paperwork.
Policygenius won’t sell your information when you apply for a quote.
Cons
You won’t actually receive a real-time car insurance quote, even after completing the online form.
The online quote form takes a while to complete and doesn’t have a progress tracker.
When getting a car insurance quote, your only bundling option is home insurance.
How Policygenius works)
Policygenius provides estimated quotes for and sells car insurance policies as an independent broker. To get a car insurance quote, users can click on the “Auto” button on its website. When you start the process, you’ll have the opportunity to bundle home insurance along with your car insurance quote. That said, selecting this added many extra steps to the insurance-application process.)
The Policygenius quote-comparison tool guided us through a series of simple questions. When we hit continue on some of the pages, we had to fill in additional information, which slowed the process down. The site doesn’t have a progress tracker or a “back” or “forward” button, but we could only use our browser’s back button to revisit a previous page if needed.
The detailed information users provide for car insurance quotes (bundled with home insurance) includes:
ZIP code
Homeownership status
Current insurance coverage details
Preferred amount of coverage levels for home and car insurance
Residence details
Discount factors (smoke detector, alarm system, deadbolt, etc.)
Current address and previous address
Personal details (name, gender, date of birth, marital status, occupation, personal annual income range, co-applicants)
Claims history (home and auto)
Option to add another driver
Driver’s license status (yes or no)
Vehicle details by VIN or make and model
Option to add more vehicles
Vehicle financing details
Vehicle usage details (mileage, primary driver, primary purpose, rideshare or delivery use)
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After completing the entire process, we learned we had no available coverage in our area and didn’t receive any real-time quotes. An hour after the insurance application process, our request had expired on our “dashboard.”
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Is Policygenius legit?
Yes. Policygenius is a legit insurance marketplace that keeps your information secure and doesn’t sell it. In its privacy policy, Policygenius pledges to protect any personal information it gathers on the site, mobile app, or from third parties.
Though Policygenius doesn’t provide real-time car insurance quotes, it provides quote estimates and can help you narrow your coverage search and find the best policy for your needs.
Policygenius reviews: What real customers are saying
Policygenius has a rating of 4.6 out of 5 stars on Trustpilot, where many users have left positive reviews about their customer experience, particularly about knowledgeable and helpful Policygenius insurance agents. Customers also appreciate how simple Policygenius made it to review insurance options that fit their budget and personal insurance needs.
But Policygenius has also received some negative reviews, primarily from people who used the site to compare life insurance companies.
The company also has solid reviews on the Better Business Bureau (BBB) website, earning 3.67 out of 5 stars. While many customers discussed their great experiences, others are pleased that the company wasn’t pushy and didn’t sell their information. At the time of writing, Policygenius isn’t using Shopper Approved to collect reviews.
Policygenius mostly receives positive online reviews, but several customers cited disappointment with their savings not meeting expectations and struggles with contacting company representatives.
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Policygenius vs. Insurify
Both Policygenius and Insurify are licensed insurance brokers that offer tools to help you compare car insurance quotes to earn better insurance rates. But the two sites have several key differences.
Policygenius is an insurance marketplace and broker that facilitates sales of insurance policies and earns a commission on each sale. Insurify is a licensed insurance agency that uses proprietary AI-powered technology and more than 100 real-time API integrations with insurers to provide accurate, real-time quotes.
Both companies take security measures to keep your personal data confidential. Neither company will sell your information to a third party. Policygenius and Insurify both have robust quoting tools that ask a comprehensive list of questions beyond basic information. Then, users receive quotes based on the desired type of insurance coverage and coverage amounts, as well as available discounts.
With Policygenius, you won’t receive a real-time quote, even after completing a lengthy quote form. But you can talk with a licensed expert online or over the phone to get a quote and sign up for a plan. Insurify generates real-time quotes with a comparison tool that looks at 120+ top insurance companies. And you have the option to connect with a licensed agent online.
Below, you can compare features from Policygenius and Insurify.
Feature  | Policygenius | Insurify |
|---|---|---|
| Real-time quotes | No | Yes |
| Sells customer information | No | No |
| Licensed insurance agency | Yes | Yes |
| Average Trustpilot rating | 4.6 out of 5 stars | 4.7 out of 5 stars |
Policygenius FAQs
Shopping for car insurance can feel overwhelming, which is why using a quote-comparison tool can alleviate some stress from the process. Learn more about whether Policygenius can help you buy an auto policy below.
No. Policygenius doesn’t sell your information. In its privacy notice, Policygenius promises not to sell customer information and to use “industry standard” technology to keep your data confidential and secure.[3]
No. Policygenius offers estimated quotes, but it doesn’t provide real-time car insurance quotes.
The Policygenius quote-comparison tool is easy to use, and licensed brokers are available 24/7 to assist with insurance coverage questions and paperwork.
Getting a quote on Policygenius’ online marketplace is free. But if you opt to buy car insurance through Policygenius, you’ll need to pay your policy premium. The insurance company you buy coverage from has the commission for Policygenius built into the price, but you don’t need to pay any extra fees.
It’s unclear from the Policygenius site whether you can switch or cancel your current car insurance policy through Policygenius. But the company does offer customer service from licensed team members if you want to cancel or switch your life insurance.
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Sources
- Policygenius. "Why trust Policygenius?."
- Policygenius. "About us."
- Policygenius. "Privacy Notice."
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Sarah Archambault
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
Sarah has been a contributor at Insurify since December 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.