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Is Gabi Insurance Worth It?

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Bottom Line: Gabi is a home & auto insurance comparison website that allows you to get online quotes in just minutes and save money by combining home & car insurance.
Gabi Insurance

Our Partner

Insurance Comparison Site


  • Save on average of $961
  • Get quotes in under 2 minutes
  • No fees
  • Compare rates from over 40 providers

Overall Rating


A+ BBB Rating

Average review rating 4/5 on Yelp

Pros & Cons


  • Offers bundled discounts for added savings
  •  Fully licensed broker in all 50 states
  • Get quotes in 2 minutes
  • Get help from real insurance advisors


  • Doesn’t include every insurance provider
  • May have to deal with insurance company directly once policy is locked in.

When you shop around for home or auto insurance, you want to make sure you’re getting a good deal.

But that means you have to spend hours hopping around from website to website, comparing quotes and matching coverage. 

It’s frustrating and time-consuming. 

But what if I told you there was a company out there that let you compare auto and home insurance quotes from up to 40 providers all in one place? 

It’s true. Gabi is your own personal insurance shopping companion, helping you find the right coverage for the best price. 

And the best part? It’s completely free.

Gabi icon

Quick Summary

Offering: Insurance Quotes

Price: Absolutely free!

Promotion: No current promotion

What is Gabi Insurance?

Gabi is a free online comparison tool for home and auto insurance.

Think of it like Kayak.com… but for insurance. 

Within 2 minutes you can see coverage options and compare rates from up to 40 insurance providers at once. 

Sounds nice, right?

Gabi was founded in 2016 with a mission to save customers money by helping them find cheaper deals on insurance.

It’s based in San Francisco and is a licensed insurance broker in all 50 states and Washington DC. 

How Does It Work?

Gabi uses artificial intelligence and data learning to find you the best insurance quotes in under 2 minutes — a task that would take the average person hours to do. 

How does the process work? 

First, you create a Gabi account using your personal information. Just a heads up — you have to enter your phone number.

But you don’t have to worry about getting spammy texts or phone calls. Gabi promises to never call you unless you ask them to. 

Once your account is set up, you connect to your current insurance account.

Then, Gabi extracts all your policy information and compares it to quotes from up to 40 different insurance providers. 

You’ll instantly find out if you qualify for cheaper insurance based on your current coverage amount.

And if you’re shopping around for more than one type of insurance, Gabi can bundle your coverage to find you the best deals. 

That’s it! Once you’ve found a quote you like, you can follow the steps to lock in coverage. 

Then, once a year, Gabi reviews your policies to see if it can find you an even better deal. (Nice!) 

Is Gabi Safe To Use?

If the thought of connecting your insurance accounts to Gabi sounds scary, you’re not alone.

It can be nerve-wracking to give an online tool access to your personal information.  But rest assured, Gabi takes security and privacy very seriously.

The site has built-in features that keep your sensitive data encrypted, safe, and secure. Plus, the company never shares, sells, or rents your personal information to third-party vendors. 

What Types Of Insurance Do They Offer?

Home and auto insurance are Gabi’s bread and butter, but you can also shop for the following policies — either as standalone or bundled quotes: 

  • Renter’s insurance
  • Landlord insurance
  • Umbrella insurance
  • RV insurance
  • Motorcycle insurance

Note: You can’t readily buy motorcycle and RV insurance through Gabi’s comparison tool. You’ll need to contact an insurance advisor if you’re interested in one of these policies.

How Much Does Gabi Cost?

Gabi is 100% free to use — and there’s no obligation to buy a policy once you’ve shopped around for quotes. 

Gabi is a licensed broker, which means insurance companies pay it a commission when someone buys a policy through the site.

On average, Gabi’s online comparison tool saves customers $961 a year on insurance.


Gabi is revolutionizing the way we shop for insurance online.

Here are a few reasons why we love it:

Fast Quotes

Gabi’s proprietary process takes the hassle out of shopping for insurance. All you have to do is connect to your current insurance accounts (or upload a PDF of your policy) and Gabi extracts all the information needed to find you a better deal. 

That means you don’t have to worry about manually typing in policy information or reading the fine print to make sure the coverage is the same. 

Gabi does it all for you.

Intuitive Interface

Gabi’s insurance comparison tool is shockingly easy to use. The interface is sleek, modern, and minimal. You’re never confused about where you should go and what you should click on. 

For example, when you create your Gabi account, the application only displays one question at a time, so you’re not overwhelmed by the process. 

From our experience, it was actually kind of fun setting up our profile and shopping for quotes.

No Fees

Gabi’s online insurance comparison tool is completely free. You’ll never pay fees for using the site to shop for coverage or manage existing policies.

Instead, Gabi makes money from the insurance company when you buy a policy through its site. 

Bundled Discounts

Shopping around for home and auto insurance?

Gabi uses proprietary technology to examine your insurance needs, bundle them together, and then find an insurance package that saves you the most money.

Annual Check-Up

The neat thing about Gabi is that your savings isn’t just one and done. Each year, Gabi reviews your policies when they’re up for renewal to make sure you’re getting the best deal.

If it finds you a cheaper policy, an insurance advisor can help you make the switch.

Insurance Advisors

Speaking of insurance advisors… Every Gabi customer is assigned their own personal insurance advisor.

They serve as your go-to person for any questions or concerns you may have.

They can explain your coverage options, help you file a claim, talk you through canceling your current policy, and more.

Referral Program

If you try out Gabi and really love it, you can earn rewards when you invite friends to check it out.

What type of rewards are we talking about?

Gabi sends you a $50 Amazon gift card each time someone buys a policy using your unique referral link. 

All they have to do is provide their driver license number to confirm their quote. (Free money, anyone?)

Strong Insurance Rating

Gabi has an A++ rating with AM Best — an independent company that rates insurance companies based on their financial strength and ability to meet insurance policy claims.

An A++ rating is the highest rating any insurance company can receive. It signifies that Gabi “has the superior ability to meet their ongoing insurance obligations” as defined by AM Best. 

Who Is Gabi Best For?

Gabi is best for anyone who doesn’t have the time, energy, or expertise to spend hours shopping around for cheaper insurance.

The online tool extracts information from your current insurance policies and does an apples-to-apples comparison to find you a better deal.

The best part is it’s free and takes less than two minutes to do.

What Do Customers Say About Gabi?

Gabi is only a couple of years old, so it doesn’t have a ton of reviews online.

As of June 2021, it has a 2 out of 5-star rating on the Better Business Bureau (BBB) based on 24 reviews. 

One customer says that Gabi saved him $2,500 on bundled home and auto insurance for his house and four cars.

Another guy says Gabi saved him $940 in auto insurance premiums.

Aside from saving customers a huge chunk of change, customers love that they don’t have to enter any information into Gabi’s comparison tool.

All you have to do is upload an existing policy, and the tool will extract all the necessary information.

It’s quick and painless.  

There are a few negative reviews online claiming that Gabi is only out to collect and sell your information.

But this isn’t true. According to Gabi’s privacy policies, it never shares, rents, or sells your information to third-party sites. 

How Do I Buy Insurance With Gabi?

Ready to shop around for coverage? Here’s how to do it:

  1. Go to the official Gabi website and click Compare Quotes Now.
  2. Select your current auto insurance company and click Next Step.
  3. Enter your first and last name and click Next Step.
  4. Enter your birth date and click Next Step.
  5. Enter your home address, select if you own your home, and click Next Step. 
  6. Select how you heard about Gabi and click Next Step.
  7. Enter your email address and click Next Step.
  8. Enter your phone number and click Next Step.
  9. Enter the verification code sent to your phone and click Next Step.
  10. Sign in to your insurance provider’s website or upload a PDF of your policy.
  11. Shop for quotes with your same coverage or adjust your coverage to view different quotes.
  12. Choose your provider and follow the steps to finalize your quote, enter your payment info, and start your policy. 

It usually takes about two minutes to get an insurance quote. But of course, there are some caveats.

Some companies take up to 48 hours to generate quotes. 

And if Gabi can’t extract all of the needed information from your policy documents, you may need to manually type in some details. 


How Do I Contact Gabi Customer Service?

Gabi doesn’t offer its own insurance policies. Once you lock in coverage, you have the option to deal with your insurance provider directly.

Or, you can go through Gabi and they’ll communicate with the insurance company on your behalf.  

There are two ways to chat with Gabi’s customer support team: 

What Information Do I Need To Apply?

Gabi doesn’t ask for much outside of your basic personal information. But here’s what you’ll need to shop around for insurance quotes: 

  • Full name, birthdate, email, and phone number
  • Home address
  • Username and password to current insurance accounts (or PDFs of your policy if you prefer not to connect your accounts) 
  • Coverage needs (if different from your current policy)
  • Debit or credit card information to buy your policy
How Easy Is It To Switch My Current Insurance Policy?

It’s usually pretty easy to switch policies once you’ve found a better deal.

Most insurance companies will even give you a refund or pro-rate your service if you cancel before your term ends.

However, there are a few insurance agencies out there that charge cancellation fees, so ask about that before you switch. 

As always, if you have any questions along the way, you can talk to a Gabi insurance advisor about your situation, and they’ll help you figure out what to do.

What Happens If I Need To File A Claim?

You have two options when it comes to filing a claim. First, you can deal with your insurance provider directly.

Or, you can contact Gabi and they’ll guide you through the process and communicate with the insurance company on your behalf.

Next Steps

Gabi is a no brainer for anyone who wants cheaper home or auto insurance, but doesn’t feel like spending hours comparing options. 

The site uses modern technology to extract the information from your current policy and use it to find the same coverage at a lower price.

As if that wasn’t enough, Gabi reviews your policies once a year to make sure you’re still getting the best deal. 

But Gabi only compares insurance quotes from up to 40 providers.

If you’re looking for coverage from insurance companies that aren’t affiliated with Gabi, then this handy comparison tool may not cast a wide enough net.  

Our recommendation? Create your free account and see if Gabi can save you money.

It only takes two minutes. You’ll instantly know if cheaper coverage is available, and you’re not obligated to buy a policy — even if it does find a better deal.

No harm, no foul, right? 

If you do end up giving Gabi a try, tell us about your experience in the comments below. We’d love to hear from you!

Gabi Insurance

Gabi is an online insurance broker and agent. We don't replace the insurance company, we just help you shop.

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  • Editor Rating
  • Rated 4 stars
  • 80%

  • Gabi Insurance
  • Reviewed by:
  • Published on:
  • Last modified: June 18, 2021

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