PolicyGenius Auto Insurance Review for 2025 (Accurate Insurance Quotes?)
Our Policygenius auto insurance review highlights how users compare quotes online and save an average of $435 a year. Policygenius insurance quotes offer automatic discount scans and built-in state compliance alerts, but AutoInsurance.org shows hidden fees and policy limits upfront so you get the best rate.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Apr 21, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 21, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Compare rates easily with our Policygenius auto insurance review. Policygenius gives drivers 30+ real-time quotes with a free tool that finds bundling discounts and coverage gaps.
Policygenius Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.6 |
| Customer Support | 4.6 |
| Discount Clarity | 4.5 |
| Ease of Use | 4.8 |
| Educational Resources | 4.7 |
| Provider Network | 4.4 |
| Quote Accuracy | 4.5 |
| Quote Speed | 4.6 |
| Savings Potential | 4.5 |
We rate it 4.6/5 because it highlights underinsured areas based on state laws, and scans for savings from top insurers like Progressive and Safeco.
- Users can compare Policygenius insurance quotes in five minutes
- Policygenius shoppers save an average of $435 per year
- Policygenius does not compare quotes from regional insurers
Unlike Policygenius, AutoInsurance.org breaks down coverage types by risk level to help drivers choose the right plan faster. AI.org also compares more local companies based on your ZIP code. We also show hidden fees and policy limits upfront so you can better evaluate auto insurance quotes.
Though we excluded AutoInsurance.Org from the rankings to remain unbiased, our platform is still the best option. Enter your ZIP code to compare rates now.
How Policygenius Works and What You Need to Get Quotes
Where can you compare online auto insurance companies? Getting a quote with Policygenius is super quick and easy. You don’t need to create a Policygenius login account to see rates from 30+ top insurers in just a few minutes. The tool asks a few key questions to match you with the most accurate and affordable options based on your profile. Here’s what you’ll want to have ready before starting your quote:
- Personal Information: Your birthday, address, marital status, and driver’s license help Policygenius tailor the quote to your location and driving history.
- Vehicle Details: Details such as the year, make, model, VIN, how you use it (like for work or errands), and whether it’s leased, financed, or fully paid off.
- Your Driving History: Including any tickets, accidents, or claims in the past few years—they don’t judge, but insurers need the full picture.
- Current Insurance: Include the insurer you’re with now, when the policy ends, and your current coverage levels. This helps compare what you’re paying to what you could be saving.
- Drivers in Your Household: Who else drives on the policy, how old they are, and if you’re insuring more than one car — this can unlock multi-driver or multi-vehicle discounts.
Once you plug in everything, Policygenius shows you side-by-side quotes, points out where you might be underinsured, and even finds discounts you might not have known you qualified for.
It’s fast, clear, and helps you make a smarter choice without the usual stress. Learn how to get free online auto insurance quotes today and save more on your next policy.
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Policygenius Auto Insurance Review Ratings Breakdown
Customer and business ratings give you a peek at how Policygenius performs when it comes to comparing auto insurance online. The scores are solid overall, but also reveal where the platform could be stronger, especially compared to sites like AutoInsurance.org and NerdWallet.
Policygenius Reviews & Customer Ratings by Third-Party Platform
| Review Platform | |
|---|---|
 | A+ |
 | 4.0 / 5.0 (12 reviews) |
 | 4.7 / 5.0 (5k+ reviews) |
Policygenius has an A+ with the Better Business Bureau. Over on TrustPilot, it gets a 4.7 out of 5 from more than 5,000 users, mostly for being fast and easy to use.
Learn More: How long does it take to compare auto insurance quotes online?
The Google Play rating of 4.0 out of 5 seems high, but it is based on just 12 reviews. It highlights issues such as limited in-app features, a lack of account tracking, and an outdated UI.
In Policygenius reviews on Reddit, a user mentioned using the site to shop for insurance and said it was great for getting a quick look at multiple quotes without any pressure to commit. They liked how easy it was to compare several big-name insurers in just a few minutes.
Comment
byu/optimisticmillennial from discussion
inpersonalfinance
That said, Policygenius lets users filter by low-mileage, accident history, or multi-car discounts, though some users mention it doesn’t always show enough local insurers. It works best if you want a fast, national-level comparison, but it may not cover every single option out there.
Policygenius offers a decent starting point, but drivers needing advanced filters or local carriers may want a more detailed comparison tool.Kristen Gryglik Licensed Insurance Agent
By contrast, AI.org compares quotes from 60+ insurers, includes ZIP-code-based pricing averages, and highlights discounts, policy exclusions, and coverage gaps upfront. Enter your ZIP code to start comparing local quotes today.
Policygenius vs. Insurify
When comparing Policygenius with Insurify auto insurance reviews, the numbers point to a clear difference in trust, usability, and mobile satisfaction.
Policygenius vs. Insurify: Third-Party Customer Ratings
| Reviewer | |  |
|---|---|---|
 | 3.4 / 5.0 (141 reviews) | 3.4 / 5.0 (141 reviews) |
| A+ | N/A |
 | 3.8 / 5.0 (130+ reviews) | N/A |
| 3.4 / 5.0 (141 reviews) | 3.4 / 5.0 (141 reviews) |
| 4.7 / 5.0 (2k+ reviews) | N/A |
 | 4.1 / 5.0 (70+ reviews) | N/A |
Policygenius earns a 4.7 out of 5 on TrustPilot with over 2,000 verified reviews, signaling strong performance in quote accuracy and support during the selection process. On WalletHub (4.1) and Clearsurance (3.8), users say the platform feels easy to navigate and gives them access to credible insurers.
However, its 3.4 rating on both the App Store and Google Play reflects issues with mobile responsiveness, such as lag, poor UI layout, and the inability to save progress during quote comparisons. This matters for anyone trying to compare quotes on the go — what’s fast on a desktop might be clunky on your phone or tablet.
Read More: ValuePenguin Review
Policygenius vs. NerdWallet
Policygenius insurance reviews and NerdWallet both rate well, but for different reasons that matter depending on how and where users shop for insurance.
Policygenius vs. NerdWallet: Third-Party Customer Ratings
| Reviewer | |  |
|---|---|---|
| 3.4 / 5.0 (141 reviews) | 4.5 / 5.0 (3,500+ reviews) |
| A+ | N/A |
| 3.8 / 5.0 (130+ reviews) | N/A |
| 3.4 / 5.0 (141 reviews) | 4.5 / 5.0 (2,000+ reviews) |
| 4.7 / 5.0 (2k+ reviews) | 4.6 / 5.0 (200+ reviews) |
| 4.1 / 5.0 (70+ reviews) | 4.5 / 5.0 (300+ reviews) |
NerdWallet’s app receives solid marks, earning 4.5 out of 5 on both app stores, due to its smooth operation, quick loading times, and infrequent crashes. A typical NerdWallet review mentions how easy it is to enter basic information and scroll through recommendations without hitting snags.
Policygenius, on the other hand, has a mobile app rating of 3.4. According to some users, the app is slow and doesn’t have important features like the ability to save quote progress. If you’re browsing on your phone, NerdWallet might feel nicer. However, if you care about broader feedback and insurance accuracy, Policygenius gives you more to work with.
Read More: The Zebra vs. NerdWallet
Inside the Policygenius Company Profile
Policygenius began as a startup in New York City and grew into one of the largest digital insurance marketplaces. The company originally launched as KnowItOwl, and the name changed to Policygenius in 2015.
Policygenius Company Overview
| Details | |
|---|---|
| Founders | Jennifer Fitzgerald and Francois de Lame |
| Founded | 2012 |
| Headquarters | New York, New York and Durham, North Carolina, United States |
| What They Offer | Online Insurance Marketplace |
| Employees | 501 (2025) |
| Revenue | US$350 million (annual) |
| Phone | 1-855-695-2255 |
| [email protected] |
The brand still operates under the Policygenius name but now runs on Zinnia’s backend for faster quoting and improved accuracy. Drivers can get multiple auto insurance quotes in minutes from top insurers through a single, easy-to-use platform.
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Today, the company has two headquarters: New York and North Carolina. You can contact Policygenius customer service via 1-855-695-2255 or [email protected].
Pros and Cons of Policygenius Auto Insurance Quotes
One of the perks of using Policygenius is that users can shop around and compare companies, rates, discounts, and more for free. Here’s a quick breakdown of where it shines:
- Access to 30+ National Insurers: Let’s you compare Liberty Mutual vs. Travelers auto insurance quotes and more national providers in one place.
- Coverage Gap Detection Tool: The Policygenius coverage checkup tool identifies missing protections, such as uninsured motorist or collision insurance coverage, helping users avoid underinsured scenarios.
- Top-Tier Third-Party Ratings: With a 4.7/5 on TrustPilot and a 4.1/5 on WalletHub, the platform consistently ranks high for accuracy, ease of use, and transparency in quote breakdowns.
The downside here is that Policygenius auto insurance only compares national companies, which means you may miss out on more affordable regional insurers. Here are other ways getting Policygenius insurance quotes falls short:
- Lacks Adjustable Filters During Quote: Users can’t sort policies by a deductible amount, claims satisfaction scores, or common risk factors like accident history or teen driver status, limiting personalization.
- Low App Functionality: Rated 3.4/5 on both Google Play and the App Store, with issues like app crashes and no multi-driver support.
Policygenius is a digital auto insurance broker that provides users with access to accurate quotes from over 30 national insurers. It’s free to use and doesn’t require a commission fee like a traditional broker, but it can still connect you with affordable insurance quotes from different companies (Learn More: Auto Insurance Company vs. Broker).
Policygenius is best suited for drivers who want a simple and accurate quote comparison, but may fall short for those needing customizable tools or mobile-friendly features.
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Who to Trust When Comparing Insurance Quotes Online
Choosing where to compare cheap online auto insurance quotes means knowing which platform actually works in your favor. Policygenius offers fast access to national insurers but lacks in-depth cost visibility, regional rate comparisons, and driver-specific savings insights that shoppers often need.
Our Policygenius auto insurance review also found that the comparison site doesn’t break down policy fees or show which carriers penalize drivers for prior claims or gaps in coverage. It also doesn’t rank insurers by claims satisfaction or renewal rates, making it harder to compare long-term value.
AutoInsurance.org fixes that with tools that let users compare rates by life stage. We show insurer reputation scores, regional pricing, and discount eligibility side-by-side. If you need more than just a quote, like context, savings strategies, and real-time filters, AutoInsurance.org is built for smarter insurance shopping. See if you can find a better deal by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
What is Policygenius?
Policygenius is a licensed online auto insurance broker that partners with over 30 national insurers, including Liberty Mutual, Safeco, and Progressive. It’s designed to let you compare real-time monthly rates and coverage options all in one place, without any account sign-up.
How does Policygenius work?
You enter basic information, such as your ZIP code, vehicle year, make, and model, as well as your driving history and current coverage. In about five minutes, Policygenius shows side-by-side monthly quotes from multiple insurers and points out where you might be underinsured based on state minimums. It also highlights opportunities for bundling discounts or coverage upgrades.
Is Policygenius trustworthy?
Yes, you can trust Policygenius. It has a 4.7/5 TrustPilot rating with over 2,000 verified reviews, an A+ BBB rating, and uses secure data encryption to protect your information during quote comparisons.
Does Policygenius charge a fee?
No, you don’t pay anything to use Policygenius.
Should you use Policygenius?
Yes, if you want fast access to quotes from big-name carriers and prefer not to share your phone number upfront. It’s best for drivers who want a general pricing overview or even need to get an auto insurance quote without a car, such as those planning a future vehicle purchase or needing non-owner coverage.
How does Policygenius vs. AutoInsurance.org compare?
Policygenius provides quick access to 30+ national insurers but lacks filtering for deductible levels, driver type, or vehicle use. In contrast, AutoInsurance.org offers filtering by mileage, SR-22 needs, and ZIP-based average rates, making it better for shoppers with specific coverage goals. Enter your ZIP code now to get started with free quotes.
Who owns Policygenius?
Policygenius was acquired by Zinnia in 2023, a company known for building digital infrastructure for insurers. The platform still operates under the Policygenius brand but now benefits from Zinnia’s tech enhancements.
What auto insurance companies does Policygenius work with?
Policygenius works with 30+ national insurers, including Liberty Mutual, Safeco, Nationwide, and Progressive. However, it may not show quotes from smaller regional companies or local mutual insurers.
Learn More: Is a local auto insurance company better than a national one?
What is the difference between Policygenius and Insurify?
Policygenius focuses on national carriers and has a strong coverage checkup tool, while Insurify offers localized insurer options and AI-driven quote suggestions. Insurify also supports filtering by vehicle type, while Policygenius does not.
How long has Policygenius been around?
Policygenius was founded in 2014 and rebranded from its original name, KnowItOwl, in 2015. Within a year, it had helped over 800,000 people find life insurance and later expanded to auto and home insurance.
Should I use Policygenius?
Yes, if you’re comparing quotes from big insurers and want a quick overview without creating an account. However, if you need filters for SR-22 auto insurance, non-owner, or multi-car policies, you might find better tools on AutoInsurance.org.
Did Zinnia buy Policygenius?
Yes, Zinnia, a life insurance and annuity technology company, acquired Policygenius in 2023, bringing faster quote technology and data-backed features to the platform while still allowing Policygenius to operate independently.
Where is the headquarters of Policygenius?
Policygenius operates out of two locations: New York, NY, and Durham, NC, where its development and support teams are based.
Which comparison site is best for auto insurance, QuoteWizard or Policygenius?
If you value speed and trust national brands, Policygenius is a solid pick. But AutoInsurance.org offers more robust quote filtering, ZIP-based rate averages, and clearer visibility into discount eligibility and hidden fees, making it a better all-around tool for most shoppers.
What insurance types does Policygenius offer?
Policygenius doesn’t sell insurance but lets you compare quotes for auto, home, renters, life, disability, and pet insurance, all from one platform. Discover where to compare auto insurance rates for the lowest monthly premiums.
What should you know about Policygenius reviews and complaints?
While Policygenius has a 4.7/5 TrustPilot rating with over 2,000 positive reviews, common complaints center around its weak mobile app and reports of limited regional insurer options. Users also mention that you can’t customize filters during the quote process, which can make it harder to compare fine details.
How does SelectQuote vs. Policygenius compare for auto insurance?
SelectQuote mainly focuses on life and Medicare insurance, while Policygenius specializes in auto and home coverage comparisons.
Enter your ZIP code at AutoInsurance.org, which is the best place for quote comparison.
Why is my auto insurance quote so expensive?
Your insurance quote could be high due to factors like a recent accident, a low credit score, living in a high-risk ZIP code, or missing discounts. Check out our guide on how to lower your auto insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.