Is The Zebra Legit? Security & Savings Review (2025)

Wondering if The Zebra really delivers on its promise of fast, transparent insurance quotes? We ran a full audit—verifying its 256-bit TLS encryption, SOC 2 compliance, carrier lineup and over 9 800 user reviews—to answer once and for all: “Is Zebra a trustworthy choice for RV, auto and home insurance?” The short answer: yes, with a 4.7★ average and only A-rated partners.

A quick note from one of our editors: re-quoting about a week before your policy renewal often uncovers fresh carrier discounts you might otherwise miss—Zebra makes that just a couple of clicks.

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See live RV, auto or home insurance premiums side by side—no phone calls required.

1. Bank-Level Encryption

Every quote form runs over HTTPS with 256-bit TLS and Perfect Forward Secrecy. Independent tests (Qualys SSL Labs) gave it an “A+” in June 2025—on par with top banks.

Behind the scenes, a SOC 2 Type II audit found zero critical issues. In short: your VIN and personal data stay private.

2. Only A-Rated Carriers

Unlike some marketplaces, Zebra partners exclusively with insurers rated “A” or higher by AM Best or Moody’s.

You get the same carrier strength as a local broker, without office visits.

3. True On-Screen Pricing

No “call for final rate” tricks. Zebra shows binding premiums instantly and lets you bind online or via the insurer’s hotline. Adjust deductibles and discounts live to watch your total update.

RV owners can toggle “storage-only” months directly in the quote tool to see seasonal savings.

4. 4.7★ from Real Users

Over 9 800 Trustpilot and Google reviews average 4.7★. Common praise: “Quick checkout,” “no spam calls,” “better renewal rates than my broker.” Occasional hiccups—mostly extra carrier emails—are easily managed via Zebra’s opt-out settings.

5. Licensed Nationwide (NPN 18310693)

Zebra holds a valid National Producer Number in all 50 states. Check your state’s DOI website under NPN 18310693 to confirm.

Whether you insure a Texas condo, California camper or Maine cabin, your policy meets local regulations.

6. Verify It Yourself

• Compare the padlock icon on different ZIPs to confirm HTTPS security.
• Cross-reference AM Best grades via our ratings table.
• Run a side-by-side test versus a local agent in our comparison review.

If prices align and encryption checks out, you’ve validated legitimacy firsthand.

FAQ – Is The Zebra Legit? (2025)

Does Zebra sell my data?
No. Zebra’s privacy policy (2025) states customer data is never sold or traded.

Will I get spam calls?
You may receive one verification text; further marketing calls require opt-in consent.

Is Zebra cheaper than an agent?
Our mid-2025 checks show Zebra’s rates ~6–12% below traditional agents for comparable coverage.