Auto Insurance · Head-to-head
The Zebra vs Farmers: Which auto insurance wins?
Side-by-side comparison of The Zebra and Farmers 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).
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
The Zebra edges out Farmers 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 | Farmers |
|---|---|---|
| Avg full-coverage premium | — | $1,920/yr |
| Avg liability-only premium | — | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | Compare 100+ insurers | new car replacement · agent service |
| Overall rating | 4.7/5 | 4.1/5 |
| Price & savings score (40%) | 4.7 | 3.9 |
| Coverage strength score (25%) | 4.6 | 4.3 |
| Quote & buy experience (20%) | 4.9 | 4.0 |
| Claims & support score (15%) | 4.6 | 4.2 |
Avg full-coverage premium
The Zebra
—
Farmers
$1,920/yr
Avg liability-only premium
The Zebra
—
Farmers
$690/yr
A.M. Best financial strength
The Zebra
—
Farmers
—
Best for
The Zebra
Compare 100+ insurers
Farmers
new car replacement · agent service
Overall rating
The Zebra
4.7/5
Farmers
4.1/5
Price & savings score (40%)
The Zebra
4.7
Farmers
3.9
Coverage strength score (25%)
The Zebra
4.6
Farmers
4.3
Quote & buy experience (20%)
The Zebra
4.9
Farmers
4.0
Claims & support score (15%)
The Zebra
4.6
Farmers
4.2
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 Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Read the full Farmers 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 Farmers if…
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.