ValuePenguin Review for 2025 (Should You Trust It?)
Our ValuePenguin auto insurance review finds it's best for comparing policy rates by driver history. It earns a 4.1/5 for accurate pricing and licensed agent-reviewed tools that match users with savings opportunities not found on carrier sites, but users report increased spam calls after using ValuePenguin.com.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 14, 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 14, 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.
On This Page
Our ValuePenguin auto insurance review gives the website a 4.1/5 for its easy-to-use quote tool. Explore discounts and policy tiers from more than 30 insurers for free.
ValuePenguin Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.1 |
| Customer Support | 4.1 |
| Discount Clarity | 4.0 |
| Ease of Use | 4.3 |
| Educational Resources | 4.2 |
| Provider Network | 4.0 |
| Quote Accuracy | 4.1 |
| Quote Speed | 4.2 |
| Savings Potential | 4.1 |
ValuePenguin filters results by driver profile, helping high-risk drivers find accurate matchups. It also flags insurers offering roadside assistance, gap coverage, and SR-22 support, and highlights exact coverage levels, showing how each provider structures deductibles and limits.
Keep reading to learn how to find insurer-specific perks like accident forgiveness, usage-based programs, and multi-policy bundling.
- ValuePenguin shows accurate quotes from 30+ insurers using ZIP code tools
- It offers side-by-side comparisons with insurer data to simplify decision-making
- Users do report spam calls and emails after using ValuePenguin
One negative aspect of using ValuePenguin is the risk of receiving spam calls and emails after searching for quotes. If you want anonymous auto insurance quotes, use our free quote comparison tool, which sorts options by driver profile.
How the ValuePenguin Quote Tool Works and What You’ll Need
Where can I compare online auto insurance companies? ValuePenguin’s quote tool streamlines the process of comparing real-time auto insurance quotes. If you want to compare car insurance quotes on ValuePenguin, you’ll complete a short application that requires the following specific details:
- Personal Info: Just your name, home address, email, phone number, birthday, gender, marital status, and education level.
- Vehicle Details: Year, make, model, trim, body style, Vehicle Identification Number (optional), ownership type (own, finance, or lease), how the car is used (commute, business, pleasure), and annual mileage.
- Driver History: Number of drivers in the household, license status, and years of driving experience, prior insurance status, and any recent accidents, moving violations, or DUI convictions within the past 3-5 years.
- Current Insurance Status: Name of the current insurer (if applicable), the expiration date of the policy, current liability and deductible levels, and length of time insured.
- Coverage Preferences: Desired policy type (state minimum, full coverage, or customized), optional add-ons like roadside assistance or rental reimbursement, and discount qualifications (multi-car, good driver, student, homeowner).
Once you’ve filled everything out, ValuePenguin.com shows you real quotes side-by-side so you can easily compare companies, see how each one prices your risk, and decide which provider offers the coverage and features that best fit your needs. You’ll also be able to view which insurers offer usage-based programs like telematics for low-mileage drivers.
If you have a lapse in coverage or a high-risk profile, the tool still pulls options from non-standard providers. The platform also flags which carriers include extras like gap insurance, accident forgiveness, or new car replacement.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
ValuePenguin Insurance Reviews Across Trusted Platforms
This table gives a snapshot of how ValuePenguin.com is rated on popular review platforms like BBB, PCMag, and Trustpilot, helping you get a feel for what real users think. See what to compare before you choose an auto insurance company.
ValuePenguin Reviews & Customer Ratings on Third-Party Platforms
| Review Platform | |
|---|---|
 | A+ |
 | 3.7 / 5.0 |
 | 2.0 / 5.0 (10 reviews) |
ValuePenguin.com has an A+ rating with the Better Business Bureau, which shows it handles complaints well and runs its business responsibly. PCMag users give the platform a 3.7 out of 5.0, noting the quote tool’s speed and ease of use but mentioning a lack of deep customization options. Trustpilot scores it at 2.0 out of 5.0 from 10 reviews, with some users frustrated by follow-up calls and email solicitations after using the tool.
When using ValuePenguin, don’t just pick the cheapest quote—review what’s included in coverage and deductibles.Kristen Gryglik Licensed Insurance Agent
In a recent Quora post, a user pointed out a few solid sites for comparing auto insurance rates, and ValuePenguin, Inc. made the list right alongside NerdWallet and Google. They suggested it’s a great starting point if you’re in the U.S. and want to see your options in one place. The user also recommended checking reviews on Yelp and Google to get a feel for real customer experiences.
Most negative feedback centers around its lead generation model rather than the accuracy of the quotes. These reviews show that while ValuePenguin delivers reliable rate comparisons, user expectations around data privacy and follow-up communication can impact satisfaction.
ValuePenguin vs. Insurify
This table compares ValuePenguin and Insurify using third-party ratings from major platforms like Trustpilot, PCMag, WalletHub, and mobile app stores to give you a clearer idea of how real users feel about both tools (Read More: Insurify Auto Insurance Review).
ValuePenguin vs. Insurify: Third-Party Customer Ratings
| Review Platform | |  |
|---|---|---|
 | X | 3.4 / 5.0 (141 reviews) |
| A+ | A+ |
 | X | 3.8 / 5.0 (130+ reviews) |
 | X | 3.4 / 5.0 (141 reviews) |
| 3.7 / 5.0 | X |
| 2.0 / 5.0 (10 reviews) | 4.7 / 5.0 (2k+ reviews) |
 | X | 4.1 / 5.0 (70+ reviews) |
Insurify also holds an A+ BBB rating but outpaces ValuePenguin on nearly every platform, including a 4.7 on Trustpilot from over 2,000 users and a 4.1 on WalletHub. It’s also rated on mobile platforms, scoring 3.4 on both the App Store and Google Play and 3.8 on Clearsurance.
Insurify’s stronger mobile presence and larger review base give it the edge in user satisfaction, compared to ValuePenguin insurance reviews on Trustpilot, with complaints tied mostly to excessive follow-up contacts.
ValuePenguin vs. NerdWallet
This table gives a quick look at how ValuePenguin and NerdWallet are rated across popular review sites and mobile platforms, showing where each one stands with real users.
ValuePenguin vs. NerdWallet: Third-Party Customer Ratings
| Review Platform | |  |
|---|---|---|
| X | 4.8 / 5.0 (115k+ reviews) |
| A+ | A+ |
| X | 4.5 / 5.0 (29.9k reviews) |
| 3.7 / 5.0 | 4.0 / 5.0 |
| 2.0 / 5.0 (10 reviews) | 3.7 / 5.0 (2k+ reviews) |
| X | 1.5 / 5.0 (10+ reviews) |
Both get an A+ from the Better Business Bureau, which means they handle customer concerns well. But NerdWallet scores a higher 4.0 on PCMag and a 3.7 on Trustpilot with over 2,000 reviews, with users praising its clean interface and wider financial content.
Read More: NerdWallet Insurance Review
On mobile, NerdWallet leads with a 4.8 rating from 115,000+ users on the App Store and 4.5 from nearly 30,000 on Google Play, highlighting its user-friendly app experience. ValuePenguin doesn’t appear on major mobile app platforms, which limits its reach.
Pros and Cons of ValuePenguin.com
ValuePenguin was founded by Ting Pen, Brian Quinn, and Jonathan Wu. Backed by LendingTree, it uses ZIP code info and driver details to pull up customized results, helping you find coverage options that actually apply to where you live (Learn More: LendingTree Auto Insurance Review).
ValuePenguin Company Overview
| Details | |
|---|---|
| Founders | Ting Pen, Brian Quinn, Jonathan Wu |
| Founded | 2013 |
| Headquarters | New Jersey , US |
| What It Offers | Comparison tools and financial calculators for insurance, banking, and credit cards |
| Employees | 11-50 |
| Revenue | $10M |
| Phone | (855) 596-3655 |
| [email protected] |
The platform gives users real-time quotes, breaking down coverage and pricing from over 30 insurers. Other benefits of ValuePenguin, Inc. include:
- Wide Provider Access: Pulls quotes from top insurers like Geico, Progressive, and State Farm so you can easily compare different coverage types.
- Trustworthy & Accurate: ValuePenguin is backed by LendingTree, one of the largest financial service marketplaces with an A+ BBB rating.
- Educational Resources: It provides explanations for different types of auto insurance, like minimum liability, full protection, SR-22, and gap coverage, all in the same place.
ValuePenguin car insurance tools stand out for their ZIP code-based precision, showing rates and options specific to your area. ValuePenguin.com also provides helpful guides and tips so drivers can better understand coverage types, pricing, and where to save. However, it does come with some negatives:
- No Direct Checkout: For purchasing a policy, you will be required to go to the website of insurer. This could potentially pose some inconvenience.
- High Follow-Up Volume: ValuePenguin has a 2.0/5.0 rating on Trustpilot, with many users reporting unwanted calls and emails after submitting their information.
Overall, ValuePenguin is a solid tool for comparing real quotes across major insurers, but users should be prepared for third-party outreach after using the platform. Learn how to evaluate auto insurance quotes to spot the best value fast.
Getting ValuePenguin Auto Insurance Quotes
This ValuePenguin auto insurance review shows it’s a handy tool for checking insurance quotes from over 30 big-name companies, such as Geico, State Farm, and Progressive. ValuePenguin is best for budget-conscious and high-risk drivers who need to evaluate auto insurance quotes for full coverage, SR-22 auto insurance, or gap protection.
One downside is the high volume of follow-up emails and calls after submitting your information, as reflected in its 2.0 out of 5.0 Trustpilot score.
If you want to get free auto insurance quotes without the hassle of follow-up calls, use our free comparison tool to shop and compare multiple auto insurance providers online.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is ValuePenguin?
ValuePenguin.com is a free insurance comparison platform that lets you evaluate auto insurance quotes side by side. You can compare liability-only, full coverage, or policies with add-ons like roadside assistance, rental reimbursement, or SR-22 filings—all tailored to your ZIP code and driver profile.
Is ValuePenguin a reliable source?
Yes, ValuePenguin is considered reliable. It’s owned by LendingTree and holds an A+ rating from the Better Business Bureau.
Read More: Where to Compare Auto Insurance Rates
Can you negotiate an insurance quote on ValuePenguin?
No, you can’t negotiate directly on ValuePenguin. However, you can compare pricing, insurance deductibles, and coverage levels to find the best match. After selecting a quote, you’ll be redirected to the provider’s website, where you may discuss additional discounts or bundling options.
Who is ValuePenguin?
ValuePenguin was founded in 2013 by Ting Pen, Brian Quinn, and Jonathan Wu. It’s now a subsidiary of LendingTree and focuses on helping you compare coverage from top auto insurers using real-time data and ZIP code-based pricing tools.
How do I find the most accurate insurance quotes on ValuePenguin?
To get the most accurate quote, enter your ZIP code, vehicle year, make, model, estimated mileage, accident history, insurance status, and desired coverage level. Enter your ZIP code for accurate auto insurance quotes right now.
Which insurance company has the worst rating on ValuePenguin?
ValuePenguin doesn’t rate insurance companies directly, but Trustpilot reviews show customer dissatisfaction with some providers’ follow-up practices.
How do I get the cheapest insurance quotes on ValuePenguin?
Use the ZIP code tool to compare multiple insurers. Then, select liability-only coverage or raise your deductible to lower your monthly rate. Compare auto insurance rates by make and model to find the cheapest quotes for your vehicle.
How do you compare car insurance quotes on ValuePenguin?
To compare car insurance quotes on ValuePenguin, enter your ZIP code, car details, and how you use your car. Then, add your driving history and coverage needs. You’ll get real-time monthly quotes from over 30 insurers like Geico and State Farm, with side-by-side breakdowns for things like full coverage and SR-22.
ValuePenguin vs. Compare.com — What’s the difference?
ValuePenguin uses a ZIP code-based tool to tailor quotes by location to get multiple auto insurance quotes quickly and clearly. ValuePenguin also includes editorial insights and insurance guides to help you understand each quote option better. Compare.com also lets you compare providers, but it often requires more personal details early in the process and may limit results to fewer companies, especially in smaller markets.
How does ValuePenguin compare to NerdWallet?
While both offer insurance comparisons, ValuePenguin focuses exclusively on real-time quote data and displays monthly rates directly from insurers. NerdWallet, on the other hand, provides broader financial tools (credit cards, loans, investing) and often redirects users to partner sites for quotes, which means fewer direct comparisons on one screen.
Is ValuePenguin a spammy site?
No, ValuePenguin itself isn’t spammy. It’s a legitimate quote comparison tool owned by LendingTree. However, it does operate as a lead generation site, which means after submitting your information, you may receive follow-up emails and phone calls from insurers you were matched with. This is how the platform connects you with active quotes, but users sensitive to marketing outreach should be aware of this.
ValuePenguin vs. The Zebra — Which is better?
The Zebra insurance reviews often highlight its speed and simplicity, but if you want specific insurer features in your comparison, ValuePenguin gives you more control and visibility. It clearly separates full coverage, state minimum, and add-ons like accident forgiveness, SR-22 filings, and rental reimbursement. The Zebra is faster to use but focuses more on delivering ballpark monthly rates with fewer breakdowns.
Is ValuePenguin easy to use?
Yes, the platform is simple and straightforward. The site presents results in a clean, side-by-side format, allowing you to compare deductible amounts, coverage types (like liability, collision, or gap), and monthly costs without switching tabs or sites.
Does it cost money to use ValuePenguin?
No, ValuePenguin is completely free. You won’t pay to get quotes or use its comparison tools. The service doesn’t ask for credit card details, and you can view multiple monthly rate options without any obligation to purchase a policy.
How does ValuePenguin make money?
ValuePenguin makes money through affiliate partnerships. When you click a quote or sign up for a policy from one of the companies shown — such as Allstate auto insurance, Nationwide, or Liberty Mutual—ValuePenguin earns a referral commission. This model keeps the platform free for you while supporting its quote engine and editorial resources.
What does ValuePenguin health insurance offer?
ValuePenguin’s health insurance section makes it easy to compare plans like HMOs, PPOs, and high-deductible options. You’ll get a clear look at monthly costs, out-of-pocket limits, and what’s available based on your age, income, and where you live. It also breaks things down for individuals, families, and even self-employed folks.
Does ValuePenguin review UnitedHealthcare plans?
Yes, ValuePenguin includes detailed reviews and plan comparisons for UnitedHealthcare. You’ll find info on monthly premiums, plan types like UHC’s Choice Plus PPO, and features like wellness benefits or large national provider networks. It also compares UHC with competitors like Blue Cross and Kaiser Permanente in specific regions.
Is ValuePenguin legit on Reddit?
Yes, ValuePenguin is often considered legit by Reddit users who’ve used it to compare quotes from over 30 insurers. It’s also mentioned in threads discussing the best auto insurance companies, according to Reddit, and is often noted for making it easier to compare rates quickly.
Can I compare Medicare plans on ValuePenguin?
Yes, ValuePenguin Medicare guides help you understand the differences between Part A, B, C (Medicare Advantage), and D plans. It provides monthly cost estimates, coverage limitations, and enrollment tips for Medigap or Advantage plans. You can also view carrier comparisons, including Aetna, Humana, and UnitedHealthcare.
What should I know about ValuePenguin renters insurance?
ValuePenguin lets you compare monthly renters insurance rates from providers like Lemonade, Allstate, and State Farm. It highlights policy features such as personal property protection, liability limits, and extra coverage for valuables or temporary living expenses. You can also find bundling discounts if you already have auto insurance with a provider.
Get personalized insurance options fast with our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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.