Is Gabi a Good Place to Get Auto Insurance?

Last Updated on December 26, 2025

Gabi is an auto and home insurance comparison site (and licensed insurance agency) that helps you shop quotes from multiple insurers in one place. It’s now part of Experian, and it’s designed to make “apples-to-apples” comparisons faster than filling out a dozen separate quote forms.

So, is Gabi a good place to get auto insurance? It can be—especially if you want a quick price check or you’re trying to match your current coverage. But like any quote marketplace, the details matter: not every insurer participates, quotes can change after underwriting, and you should expect some marketing outreach once you share your info.

Key Takeaways

• Gabi is an insurance comparison marketplace and licensed agency (part of Experian), not a car insurance company—your policy is issued by the insurer you choose.
• Gabi is typically free to use, but you’ll usually need to share personal details to get real quotes, and you may receive follow-up calls/texts/emails.
• Quotes can change after underwriting, so always confirm limits, deductibles, and add-ons to ensure you’re comparing apples to apples.
• Gabi can be a great “quick check” for potential savings, but it won’t include every insurer—shopping a few additional quotes can still pay off.

What Is Gabi?

Gabi is an insurance comparison platform that can connect you with auto insurance policies from a network of insurers. It’s important to understand what that means:

• Gabi is not an insurance company. Your policy is ultimately issued by the carrier you choose (not by Gabi), and that carrier handles claims decisions.
• Gabi is a broker/agency. It helps you compare quotes and can assist with switching, but your coverage terms come from the insurer.
• Gabi is part of Experian. You may see Gabi referenced as Experian’s insurance marketplace/insurance services in some places.

How Does Gabi Work?

Gabi is built around speed and “coverage matching.” In many cases, you can compare quotes without starting from scratch—especially if you already have insurance.

Typical steps

• Step 1: Enter basic info about yourself, your drivers, and your vehicles.
• Step 2: If you already have insurance, you may be able to upload your declarations page (or otherwise share your current coverage details) so quotes line up more closely with what you have now.
• Step 3: Review quotes and coverage details (limits, deductibles, add-ons).
• Step 4: If you pick a quote, you’ll finish the application with the insurer (and the insurer may run additional checks before finalizing your price).
• Step 5: If you’re bundling, compare the total cost of the package (auto + home/renters). Bundling can be a big lever for savings—see our guide on how to bundle auto and homeowners insurance to save money.

Mobile note: Gabi has historically offered an iOS app (and many shoppers use the mobile website as well). Here’s the iOS listing: Gabi app for iOS.

Is Gabi Free?

Gabi doesn’t typically charge you a fee to compare quotes. Instead, like many insurance marketplaces and agencies, it generally earns money from commissions or referral compensation when a customer buys a policy through the platform.

That “free” model comes with a tradeoff: you’ll usually have to share personal details (name, address, driver/vehicle info, contact info) so the system can generate real quotes. If you’re concerned about what’s required for an auto insurance quote, read our breakdown on personal information (including SSNs) and car insurance quotes.

Also, once you request quotes, it’s normal to receive follow-up calls, texts, or emails. That’s common across most comparison sites—not unique to Gabi.

What Insurance Companies Does Gabi Compare?

Gabi markets access to quotes from dozens of insurers, but the exact list varies by state, driver profile, and product (auto vs. home vs. renters). Depending on where you live, you may see quotes from large national insurers, regional companies, or both.

Examples of insurers drivers often comparison-shop include GEICO, Progressive, and Travelers, along with a mix of regional carriers like Kemper and Mercury.

If you don’t see a carrier you want, you can still shop it separately (or through an independent agent). Here’s our master directory of car insurance companies if you want more options to compare.

Pros and Cons of Using Gabi for Auto Insurance

Pros

• Fast quoting in one place: Good for a quick “am I overpaying?” check without filling out endless forms.
• Potential savings: Many drivers do find lower prices by shopping around. Savings vary a lot by driver, location, and coverage choices.
• Helpful for bundling: Comparing auto + home/renters together can reveal discounts you’d miss shopping one policy at a time.

Cons

• Quotes aren’t always final: The price you see can change after the insurer verifies driving history, garaging address, prior coverage, and other rating factors.
• Not every insurer participates: A “best price” result is only best among the insurers included in the quote set you received.
• Marketing follow-up: Expect calls/texts/emails after requesting quotes (especially if you don’t finish buying right away).
• Coverage matching can be imperfect: Always confirm limits, deductibles, and add-ons so you’re not accidentally comparing a cheaper (but weaker) policy to your current one.

How to Use Gabi Without Getting “Quote Shock”

If you use Gabi (or any comparison site), these steps help you avoid the most common surprises:

1. Match coverage first, then compare price. Check bodily injury/property damage limits, comprehensive/collision deductibles, rental, roadside, and UM/UIM.
2. Verify driver and vehicle details. A wrong VIN, mileage, garaging ZIP code, or driver history can swing a quote dramatically.
3. Ask what can change the quote. Many insurers re-rate after verification—so ask what items are still “pending.”
4. Stack discounts strategically. Bundling, telematics, pay-in-full, multi-car, and safe-driver discounts can all matter. Here are more ways to save money on auto insurance.

Other Insurance Types You Can Comparison-Shop

Although most people use Gabi for auto insurance, many shoppers also compare home and renters policies at the same time. Depending on availability, you may also be able to evaluate things like:

• Renters + auto bundles
• Umbrella insurance (often paired with auto/home for extra liability protection)
• Homeowner-related rating factors (including potential homeowner discounts on auto insurance)

Is Gabi Legit?

Gabi appears to be a legitimate insurance shopping platform and agency (now operating as part of Experian). Like most insurance marketplaces, customer experiences are mixed: some people love the convenience and savings, while others dislike the follow-up marketing or report that their final rate changed after underwriting.

If you want a quick gut-check on customer sentiment, the Better Business Bureau profile (including customer reviews) is here: Gabi BBB customer reviews.

FAQs on Gabi Auto Insurance

Final Word: Is Gabi a Good Place to Get Auto Insurance?

Gabi is a solid option if you want a fast way to compare auto insurance quotes and see whether you’re likely overpaying. Just make sure you’re comparing the same coverage, expect some follow-up outreach, and remember that your final rate is determined by the insurer after verification.

If you want to explore it directly, you can start at Gabi.com.