Research

Data insights to help you live smarter and make well-informed insurance choices

Most recent

The 10 Most Dangerous Cities for Pets

The U.S. cities that are most dangerous for pets from car collisions, animals attacks, heartworms and more.

Introducing The Zebra Premium Pressure Index (ZPPI)

Understanding ZPPI, a tool that calculates average auto insurance rates as a percent of income

10 U.S. Cities with the Best Maintained Roads

The cities with the best maintained roads and how the condition of the roads impacts car insurance

How Loyal Are You to Your Insurance Company?

The results of a survey show how long people stay with their insurance company and that only 29% compare rates.

The 10 Best U.S. Cities for Getting Around Without a Car

A look at the U.S. cities with the best public transit, walk and bike scores and annual precipitation

Emergency Savings Crisis: 27% of Americans Can't Afford Their Insurance Deductible

A survey of Americans found that over a quarter can't afford insurance deductibles, and nearly half have little to no...

Are Luxury Car Owners Propping Up the Insurance Market?

A look at the data around who's shopping for car insurance and what they're paying: comparing luxury vehicles and...

Cities with the Best Flood and Wildfire Mitigation

As climate-related disasters increase, these cities will be the most resilient to fire and flood

Stay in touch and subscribe!

Get advice, insights and tips from our newsletter.

The 10 U.S. Cities with the Fewest Natural Disasters

Looking at which major cities experience the fewest natural disasters each year...and the most

Floridians Pay More for Auto Insurance Than Any Other State

Florida insurance trends

The Best and Worst U.S. Cities for Recent Graduates

Looking at the best cities in the U.S. for new graduates to move to

Freedom Comes at a Price: It Now Costs Nearly $8K a Year To Insure a New Teen Driver

Looking at teen car insurance and some of the factors that affect rates

The Best and Worst U.S. Cities for Families

Looking at the best cities for families in the U.S. and the worst

10 Cities with the Worst Flood Insurance Environment

The cities where it might be harder to get flood insurance

Cities with the Worst Insurance Environments

Looking at the U.S. cities that face the most expensive and hardest insurance conditions

10 U.S. Cities with the Biggest Property Crime Spikes

Investigating the cities with the highest increases in arson, burglary and car theft

11 Angriest Cities in the U.S.

Considering which U.S. cities have the most anger based on data points around assault, road rage and overall wellbeing

2025 Auto Insurance Trends Report

Looking at why auto insurance rates are increasing and by how much

10 Most Dangerous Cities for Pedestrians

Comparing the data to find the cities that pose the greatest risk or make it most difficult for walkers

America's Inflation Hotspots: 10 Cities Feeling the Pinch

Looking at the cities where inflationary indicators are the most apparent

10 U.S Cities With the Worst Traffic (+ The 10 Best)

Looking at the cities with the most congestion and crashes and the longest average commute time.

10 Best Cities for Professionals without a College Degree

Considering the U.S. cities with the greatest opportunities for people without higher education

Top 10 Saddest Cities in the U.S.

Several well being data points indicate these U.S. cities might lead to the most saddness

Top 10 U.S. Cities for Young Professionals to Rent In

Looking at the U.S. cities where young renters' money goes farther

10 cities with the worst drivers

Find out which of the largest U.S. cities have the worst drivers

The Best Insurance Companies of 2024

Announcing the best auto insurance companies of 2024

10 hottest cities in the U.S.

Looking at the hottest cities based on highest average highs and lows and most 100 degree days

10 U.S. Cities with the Worst Air Quality

Looking at the cities with the worst air quality based on ozone days, allergies and air quality index

10 Best U.S. Cities for Public Transportation

Considering availability of public transport, walkability and commute time in U.S. cities

10 worst cities for commuting

Discover the U.S. cities where drivers face the longest and most accident-ridden commutes

Almost half of drivers text and drive – despite 70% of them thinking it’s as dangerous as driving drunk

Read the results of our 2024 survey on how distracted American drivers are behind the wheel

Worst cities for owning a car

From high insurance and gas costs to lots of time spent in traffic, some places are better than others for having a...

Best cities to open a new business

Find out which cities are friendliest to new businesses

10 worst cities for insurance fraud in 2023

Find out which of America's cities are likely hotbeds of financial crimes

10 most recession-proof cities

Learn which cities are most resilient based on data on unemployment, GDP and cost of living

Best cities for managing student loan debt in 2023

Find out which of the 50 biggest U.S. cities are best if you are carrying student loan debt

10 best cities for a working vacation in 2023

Discover the best U.S. cities for your working vacation

Cheapest cities for summer travel in 2023

Looking for a budget vacay this summer? Here are 10 U.S. cities to consider

10 dirtiest U.S. cities in 2024

Find out which cities have the worst environmental conditions

The 10 best cities for rideshare drivers in 2024

Of the 50 largest U.S. cities, which are the best places for your mobile side hustle?

10 worst U.S. cities to get a speeding ticket

Find out where you have the greatest consequences for getting a speeding ticket

10 best U.S. cities to die in

Find out where our research shows are the most comfortable and affordable for end-of-life and post-life care

10 best cities for homeowners

Find out in which U.S. cities most benefit people who already own their homes

10 Best Cities for Teen Drivers

Find out which U.S. cities offer the best opportunities for the newest drivers

10 best cities to rent rather than own a house

Find out in which U.S. cities it makes sense to rent rather than commit to that mortgage

10 U.S. cities that are the cheapest to navigate on vacation

Planning a budget vacation? Don't forget to consider transportation costs to and around your destination

10 best U.S. cities for withstanding climate change

Find out which U.S. cities may be the most resistant to the effects of climate change

Gen Z are the most likely to pay for their car in cash

The Zebra recently surveyed Americans to learn how different generations are buying their cars

Boomers vs. Millennials vs. Gen Z: How do different generations feel about electric cars?

The Zebra surveyed Americans about their interest in EVs and noticed some stark differences across generations

Top 10 cities to own an electric vehicle

The Zebra compared U.S. cities by access to charging stations, cost of electric and more to find the best places to own...

Study: Nearly 60% of Americans have considered buying an electric vehicle or hybrid

The Zebra surveyed Americans to determine if they would purchase an EV or hybrid and the reasons why or why not

10 least insured cities for auto policies in the U.S.

Our research shows which cities have the least insured motorists. Is your city on the list?

10 best cities for entrepreneurs

Follow our research to see which cities are best to launch a new business in 2024

States with the most natural disasters in 2021

Which states fared the worst in what was a tough year nationwide?

Study: America’s deadliest states + ways to improve life expectancy

The Zebra has compiled and analyzed key health indicators in each state to determine America’s deadliest. We also give...

10 most expensive cities for road trips

Before you take to the open road, find out where road trip prices are highest

Gen Z doesn't want to share data with auto insurance companies, but Millennials do.

Learn what insights we discovered when we surveyed 1,000 consumers about telematics

Top 10 cities for living on a budget in 2024

See which of the 50 most populous U.S. cities are best able to support frugal living in 2024.

10 best mid-size cities for your next move

We compared mid-sized U.S. cities to find the ones with the lowest crime rate, best job opportunities and more...

Study: Parents are the biggest financial influence for 1 in 3 young adults

Plus, 79% of working young adults had a gig economy job in 2020

The 10 best cities for new grads

The Zebra analyzed major metro areas across the U.S. to identify the best cities for recent college graduates.

Postmates, DoorDash, UberEats, and Grubhub: A comprehensive comparison

We "ate" our way through Postmates, Grubhub, Ubereats, and DoorDash to find out exactly who can get the cheesiest...

Lime vs. Bird scooters: How do they work?

Compare all the differences between the dockless scooter companies, Lime and Bird, including cost, chargers'...

Criminal background checks for rideshare drivers: Do you believe in second chances?

How exactly do background checks for rideshare drivers work? If you knew your Uber or Lyft driver was convicted of a...

10 most car-friendly colleges in the U.S.

Textbooks, meal plans, dorm furnishings. New grads entering college have a litany of expenses to consider, including...

11 best cities for pets

We assessed the pet-friendliness of the 50 most populous U.S. metros. See whether your city made the top 11 list.

Study: 51% of drivers decide whether or not to drive after using cannabis based on how impaired they feel

The Zebra presents a comprehensive survey of drivers in the U.S. who have access to recreational cannabis.

Study: Women pay up to $118 more than men for car insurance — even with a perfect record

New research from The Zebra shows that women pay more than men for car insurance on average — and it’s not clear why.

Study: Annual mileage was down 14% in 2020 — but drivers only saved 6% on their car insurance

New research from The Zebra shows that despite drastic drops in mileage during the COVID-19 pandemic, drivers only...

Why tech that makes your car safer won’t lower your insurance rates

Does your car have blind spot monitoring, a backup camera, or a security alarm? Those features could keep your car...

Drivers with poor credit pay twice as much for car insurance — even if their driving record is spotless

How does your credit score affect the price of your car insurance rates? How does that vary by state?

Study: In 2022, more people believe in climate change than ever...but only 35% of people are preparing for it

The Zebra recently surveyed Americans on their beliefs around climate change, natural disasters and insurance. This is...

Study: A Single Driving Violation Can Double Your Car Insurance Costs

Traffic tickets could double your insurance rate and ruin your budget, according to new research.

Study: The cost of teen driving hits low-income families hardest

A new survey by The Zebra reveals that teens from wealthy homes are 51% more likely to drive than their low-income...

Study: 1 in 4 teens too scared to drive

A new survey by The Zebra reveals which teens are most scared, parents’ fears about teen driving, and why their worries...

Women now pay more than men for car insurance in only 4 states

Following the changes in how gender impacts car insurance

Study: 9 in 10 drivers admit to speeding even though a third say it’s unacceptable

New research from The Zebra shows that drivers ignore the costs and risks of speeding, even though they’re aware of...

Car insurance rating factors by state

What information can car insurance companies use to price car insurance rates? And how does that vary by state?

Study: 76% of people think road rage is getting worse. Here's why

Results of a 2025 survey on aggressive driving and road rage

Study: Most drivers would flunk car insurance 101—and it could be costing them

Auto insurance rate factors Drivers with claims in the past year Drivers with no claims in the past year Your age 54.5%...

Could your online behavior affect what you pay for car insurance?

Everything from your email address to your online shopping habits are being tracked by countless companies. But does...

Study: 60% of drivers who use marijuana in legal states drive under the influence

The Zebra presents the most comprehensive survey yet among drivers in the U.S. who have access to recreational...

How Michigan car insurance changed in 2020 — and what you can do now to save

As rates top $6,000 per year, relief could finally be on the way for Michigan drivers.

This One Traffic Ticket Can Double Your Insurance Rates

Find out which violations have the biggest financial impact on insurance rates in every U.S. state.

Study: 70% of new homeowners believe homeownership is part of the American Dream

The Zebra’s new study explores what homeownership is like for three generations of first-time homebuyers and what...

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.