Gabi Auto Insurance Review (2023)
Gabi insurance is not an auto insurance company but is a quote comparison website. So, while there are no Gabi auto insurance rates, you can enter some brief information on the website to receive multiple quotes from other companies.
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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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Gabi insurance services is a quote comparison website and not an actual auto insurance company. As such, there are technically no average Gabi auto insurance rates nor any coverage offered by this company. Keep reading this Gabi auto insurance review to determine if this quote comparison website is legitimate, who owns Gabi insurance, compare customer reviews, and more.
After learning about affordable Gabi auto insurance, quickly secure coverage by entering your ZIP code into our free quote comparison tool above to receive rates from the best companies near you.
What is Gabi insurance?
You may have seen a Gabi insurance commercial while watching TV or browsing the internet. But what exactly is this personal auto insurance shopper? Technically, Gabi is an online auto insurance broker and agent, not an actual auto insurance company.
There are no Gabi auto insurance policies, and you do not submit claims through the Gabi website or mobile app.
Instead, you visit the website and enter some personal information to receive quotes from the over 40 auto insurance companies contracted with Gabi and its licensed agents.
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Gabi is currently licensed in all 50 states. But how does the company make any money? Gabi earns money on commission for any policy sold. It’s paid for by the insurance companies’ marketing budgets.
There is no upcharge to you as the consumer if you use the free online quote tools provided by Gabi.
The company also always recommends the cheapest policy option to you. However, you are never obligated to make any purchases. Gabi also claims to never share or sell your data and does not cold call or spam customers.
Who owns Gabi insurance? In 2021, Experian announced that it had acquired Gabi for $320 million.
There is also a Gabi mobile app available for consumers to use. It works similarly to the company website.
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How do you request Gabi auto insurance quotes?
Now that you know there’s technically no Gabi auto insurance company, how do you compare quotes from real insurance companies using the Gabi website?
Fortunately, requesting Gabi auto insurance quotes is relatively fast and straightforward. On the website’s homepage, you can either select the button that reads get started or select sign up. You’ll then be asked to provide your current insurance information.
Using advanced technology, Gabi uses that information to pull quotes from other companies with matching coverage levels.
If you don’t have insurance, you can still ask to compare quotes. You just need to manually enter the coverage levels you require or work with one of the Gabi agents for assistance.
What are the average Gabi auto insurance rates?
How much can you save by using Gabi auto insurance? According to the website, about 66% of users earn rate reductions by using the available quote comparison services Gabi offers. On average, those users save $961 annually.
If you request quotes through Gabi, you can also compare it to the average cost of auto insurance in the state where you live.
In the table below, you can compare the average annual auto insurance expenditures by the state, as recorded by the Insurance Information Institute (III).
| State | Average Annual Auto Insurance Expenditures |
|---|---|
| Alabama | $904.56 |
| Alaska | $965.44 |
| Arizona | $1,046.40 |
| Arkansas | $898.89 |
| California | $1,034.05 |
| Colorado | $1,132.81 |
| Connecticut | $1,216.55 |
| Delaware | $1,291.39 |
| District of Columbia | $1,429.43 |
| Florida | $1,426.46 |
| Georgia | $1,212.04 |
| Hawaii | $829.15 |
| Idaho | $722.06 |
| Illinois | $916.49 |
| Indiana | $767.72 |
| Iowa | $700.71 |
| Kansas | $805.15 |
| Kentucky | $936.91 |
| Louisiana | $1,545.82 |
| Maine | $686.25 |
| Maryland | $1,211.83 |
| Massachusetts | $1,167.16 |
| Michigan | $1,469.73 |
| Minnesota | $872.65 |
| Mississippi | $971.19 |
| Missouri | $913.81 |
| Montana | $825.87 |
| Nebraska | $796.87 |
| Nevada | $1,260.43 |
| New Hampshire | $847.58 |
| New Jersey | $1,385.61 |
| New Mexico | $915.62 |
| New York | $1,425.00 |
| North Carolina | $734.06 |
| North Dakota | $686.08 |
| Ohio | $794.91 |
| Oklahoma | $915.49 |
| Oregon | $990.21 |
| Pennsylvania | $991.23 |
| Rhode Island | $1,333.12 |
| South Carolina | $1,093.97 |
| South Dakota | $721.67 |
| Tennessee | $855.78 |
| Texas | $1,152.25 |
| Utah | $941.14 |
| Vermont | $778.29 |
| Virginia | $853.78 |
| Washington | $1,035.34 |
| West Virginia | $938.71 |
| Wisconsin | $755.97 |
| Wyoming | $765.81 |
| Countrywide average | $1,056.55 |
Some Gabi reviews from real customers remark that their quoted rate increased when they finalized the purchase. Understand that this is not unusual with quote comparison tools. To finalize the purchase, the insurance company verifies your information.
If anything is updated based on your driving record, insurance history, credit score, or other variables, it may impact your auto insurance total.
Are quote comparison websites legitimate?
Quote comparison websites are typically a great way to secure cheap insurance. By comparing multiple quotes online at one time, you’re able to quickly compare policies and select the lowest cost coverage for you. However, it’s crucial that you know the differences between legitimate quote comparison websites and websites that may be predatory or attempting to steal your information.
Notably, a reliable comparison website never asks for payment to use the service. Therefore, safe quote tools should always be free to the consumer.
Typically, you only provide payment information to the company once you choose a policy to purchase.
So, is Gabi insurance worth it? Fortunately, this quote comparison website is safe and legitimate for people to use.
But you can also use one of the free quote boxes on this page to quickly compare auto insurance quotes from the leading companies near you.
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What are the Gabi ratings and reviews?
Overall, Gabi insurance reviews from real customers are relatively positive. The website showcases a section of mostly five-star reviews and claims that over 7 million quotes have been delivered, with an average savings amount of $961 annually.
Gabi is accredited by the Better Business Bureau (BBB) and holds an A+ rating.
This means the BBB believes Gabi interacts positively with its customers.
However, online reviewers awarded it only 1.72 stars out of a possible five. The company closed nine complaints in the last three years. These complaints mainly cite misleading quotes or personal discomfort sharing credit card or other information before customers see their official, final rate.
Gabi responded by reminding customers that it takes their payment information upfront to streamline the buying process. Changes in quotes typically happen if the customer’s information changes or is updated during the final application verification process.
Does Gabi sell other insurance products?
You can compare quotes for other lines of insurance besides just auto insurance on the Gabi website or through the mobile app.
As with their auto insurance services, these quotes are from actual companies that are partnered or contracted with Gabi as a broker.
Additional insurance products include renters, homeowners, personal umbrella, and landlord insurance quotes.
What is the history of Gabi insurance?
Gabi was created in 2016 by Hanno Fichtner in an effort to simplify the insurance shopping process.
It’s backed by companies like Northwestern Mutual Future Ventures, Securian Ventures, and CMFG Ventures.
Currently, it is contracted with some of the best insurance companies, including, but not limited to, Nationwide, Progressive, Safco, and Travelers.
From the start, the company only required consumers to enter their current insurance information to compare quotes rather than provide detailed personal information. The streamlined process means you can secure coverage within a few minutes of applying. However, it may sometimes take up to 48 hours.
The origin of the name, according to the founder, is a charming misunderstanding. A German advisor created it as an acronym for get a better insurance. Only later, after purchasing the domain and talking to native English-speakers, did the team learn that most Americans would use it as get better insurance. Today, the Gabi family celebrates the anecdotal origins of the company name.
In 2021, Experian, a credit reporting company, acquired Gabi insurance services. Experian hopes the acquisition will expand its presence in the auto insurance vertical.
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Gabi Insurance: The Bottom Line
Overall, Gabi is a free-to-use, safe, and legitimate auto insurance quote comparison platform. Plus, it is available in all 50 states. The company has helped over 7 million drivers compare insurance rates for the past five years. It’s also rated highly by real users.
Not every driver saves money by using Gabi, but if your current rate is cheaper than what the company finds for you, it lets you know. Even though the customer service representatives are highly rated, some customers remarked that they were passed from person to person on the phone, which felt like a hassle.
Now that you know how to buy Gabi auto insurance, you can enter your ZIP code into our free tool below to receive accurate quotes from the top companies in your region.