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 insurances — APR ranges, credit floors, application speed, and editorial verdict.
The Zebra
Compares 100+ insurers in a single 60-second 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
State Farm wins on both dimensions — lower APR floor (undefined% vs undefined%) AND lower credit floor (null+ vs null+ FICO). The Zebra can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | The Zebra | State Farm |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.7/5 | 4.5/5 |
| Rates & APR score (40%) | 4.7 | 4.4 |
| Loan terms score (25%) | 4.6 | 4.6 |
| Application score (20%) | 4.9 | 4.5 |
| Support score (15%) | 4.6 | 4.7 |
APR range
The Zebra
—
State Farm
—
Min credit score
The Zebra
—
State Farm
—
Loan amount
The Zebra
—
State Farm
—
Term length
The Zebra
—
State Farm
—
Overall rating
The Zebra
4.7/5
State Farm
4.5/5
Rates & APR score (40%)
The Zebra
4.7
State Farm
4.4
Loan terms score (25%)
The Zebra
4.6
State Farm
4.6
Application score (20%)
The Zebra
4.9
State Farm
4.5
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 60-second 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.
Who should pick which?
Pick The Zebra if…
- You prefer a fast, soft-pull-friendly online application.
Pick State Farm if…
- You trust State Farm's 4.5/5 editorial score.
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