Auto Insurance · Head-to-head
The Zebra vs Allstate: Which auto insurance wins?
Side-by-side comparison of The Zebra and Allstate auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
The Zebra
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
Allstate
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
In plain English
The Zebra edges out Allstate on editorial score (4.7/5 vs 4.1/5). Both shine in different scenarios — see the verdicts below.
Side-by-side breakdown
| Feature | The Zebra | Allstate |
|---|---|---|
| Avg full-coverage premium | — | $2,108/yr |
| Avg liability-only premium | — | $735/yr |
| A.M. Best financial strength | — | — |
| Best for | Compare 100+ insurers | accident forgiveness · agent service |
| Overall rating | 4.7/5 | 4.1/5 |
| Price & savings score (40%) | 4.7 | 3.8 |
| Coverage strength score (25%) | 4.6 | 4.4 |
| Quote & buy experience (20%) | 4.9 | 4.2 |
| Claims & support score (15%) | 4.6 | 4.3 |
Avg full-coverage premium
The Zebra
—
Allstate
$2,108/yr
Avg liability-only premium
The Zebra
—
Allstate
$735/yr
A.M. Best financial strength
The Zebra
—
Allstate
—
Best for
The Zebra
Compare 100+ insurers
Allstate
accident forgiveness · agent service
Overall rating
The Zebra
4.7/5
Allstate
4.1/5
Price & savings score (40%)
The Zebra
4.7
Allstate
3.8
Coverage strength score (25%)
The Zebra
4.6
Allstate
4.4
Quote & buy experience (20%)
The Zebra
4.9
Allstate
4.2
Claims & support score (15%)
The Zebra
4.6
Allstate
4.3
Editor verdicts
Why we rate The Zebra 4.7/5
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
Why we rate Allstate 4.1/5
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Read the full Allstate reviewWho should pick which?
Pick The Zebra if…
- You value claims responsiveness — The Zebra scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
- You want broader coverage options and add-on flexibility (gap, rideshare, accident forgiveness).
Pick Allstate if…
- Your driver profile leans accident forgiveness — Allstate's underwriting is best-in-class there.