from The Zebra


Insurance is

Most people don’t know what they’re paying – or why

Ever wonder why your insurance payment is so high or why it changes? You’re not alone. Insurance is the 4th biggest annual expense for Americans, but most people don’t know what they’re paying for – or why. Insurance is your financial safeguard when you’re facing unpredictable expenses or when disaster strikes, so it’s important to know what goes into it, and what role you play.


The Zebra’s patent-pending technology calculates a personalized auto insurance score to reveal to drivers what is affecting their insurance risk, by how much, and what they can do about it.

Insurance companies use information about you, your car, your driving record, and more to determine your risk (and your rates). With The Zebra, drivers can compare real quotes from 200+ car insurance companies in one place and gain actionable insight into their risk.

Decode Your Risk

Car insurance companies use more than 43,500 factors to calculate your risk and determine your rates – but they don’t tell you how they do it.

The Zebra formulates a number from 400 to 950 which represents your individual level of risk and the financial vulnerability you create for insurance companies – your Insurability.

Similarly to a credit score, your car insurance score can change depending on your behavior or other factors.

Your custom scorecard

Your Custom Auto Insurance Score

The Zebra provides grades for each factor on your Insurability Score and shares expert recommendations on how you can lower your risk, improve your score, and get access to more and better insurance options.

Get My Score

How is the Auto Insurance Score Calculated?

Your Insurability Score is based on a proprietary algorithm which weighs many factors to calculate your personal risk profile.*

Driving Record

How do you use it?

  • Understand your risk

    Learn which factors are impacting your risk & by how much.

  • Take action

    See custom tips to lower your risk & raise your auto insurance score.

  • Lather, rinse, repeat

    Update your info & check your score often to track your progress.

What’s Your Auto Insurance Score?

Check your Insurability Score now for free!