Auto Insurance · Head-to-head
The Zebra vs State Farm: Which auto insurance wins?
Side-by-side comparison of The Zebra and State Farm 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).
State Farm
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
In plain English
The Zebra edges out State Farm on editorial score (4.7/5 vs 4.5/5). Both shine in different scenarios — see the verdicts below.
Side-by-side breakdown
| Feature | The Zebra | State Farm |
|---|---|---|
| Avg full-coverage premium | — | $1,471/yr |
| Avg liability-only premium | — | $568/yr |
| A.M. Best financial strength | — | — |
| Best for | Compare 100+ insurers | bundling · good credit |
| Overall rating | 4.7/5 | 4.5/5 |
| Price & savings score (40%) | 4.7 | 4.4 |
| Coverage strength score (25%) | 4.6 | 4.6 |
| Quote & buy experience (20%) | 4.9 | 4.5 |
| Claims & support score (15%) | 4.6 | 4.7 |
Avg full-coverage premium
The Zebra
—
State Farm
$1,471/yr
Avg liability-only premium
The Zebra
—
State Farm
$568/yr
A.M. Best financial strength
The Zebra
—
State Farm
—
Best for
The Zebra
Compare 100+ insurers
State Farm
bundling · good credit
Overall rating
The Zebra
4.7/5
State Farm
4.5/5
Price & savings score (40%)
The Zebra
4.7
State Farm
4.4
Coverage strength score (25%)
The Zebra
4.6
State Farm
4.6
Quote & buy experience (20%)
The Zebra
4.9
State Farm
4.5
Claims & support score (15%)
The Zebra
4.6
State Farm
4.7
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 State Farm 4.5/5
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
Read the full State Farm reviewWho should pick which?
Pick The Zebra if…
- You want a smooth quote-and-buy flow with minimal phone follow-up.
Pick State Farm if…
- You value claims responsiveness — State Farm scores higher on claims & support.
- Your driver profile leans bundling — State Farm's underwriting is best-in-class there.