Gabi Insurance Review [2022]: Easy, Fast, and Full of Savings

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Shopping for insurance is a lot easier when you have an online insurance broker like Gabi working for you 24/7.
Last updated Aug. 25, 2022 | By Robin Kavanagh

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Insurance is an unfortunate but valuable necessity if you own a home or vehicle. It’s also a good idea to get if you’re a renter. However, shopping for insurance can sometimes be as painful as paying the premiums.

I recently went looking to save money on my car insurance, given that my rates had gone up every year for the past three years. I shopped the old-fashioned way: going from provider to provider, inputting my current insurance information over and over, then comparing coverage and prices from screen to screen. It was tedious at best.

I wish I had known about Gabi before I started my search. Gabi isn’t an insurance provider; it’s a broker with licenses to sell insurance in all 50 states and the District of Columbia. Had I used Gabi, I could have input my information just once and received quotes from its network of over 40 insurance providers.

If that sounds good to you too, this Gabi insurance review will give you a look at what Gabi has to offer and how you can save time and money the next time you shop for car, home, or renters insurance (and maybe coverage for some other assets you have too).

Quick Summary

Compare and Buy Auto Insurance In Minutes

  • Save an average of $961/ year on car insurance
  • Compare rates from over 40 insurers
  • Get started in less than 5 minutes
In this Gabi review

What is Gabi insurance?

Gabi is an insurance brokerage firm, which means it works with insurance partners to sell vehicle, home, and rental policies to consumers. Gabi makes a commission from the policies it sells, so there is no charge to you for their services. And because Gabi works with over 40 insurance providers, it can show you options you may not have known to research and that could be much lower-priced than you might expect.

Headquartered in San Francisco, Gabi launched in 2016 and aims to disrupt the insurance-buying market by combining technology, data, and person-to-person service in an accessible manner for the average consumer. They developed a proprietary price-quote process that uses information from your existing policies to find pricing for the same coverage with other insurers. Opportunities to bundle and save more are also presented, and most car insurance quotes are delivered to you in fewer than two minutes.

Gabi Insurance Review


If you are already paying the best rate for your policy, Gabi will let you know. The company claims to operate on a customer-first business model and aims to build lifelong relationships, not one-off sales. The company has been accredited by the Better Business Bureau and has earned an A+ rating. 

How does Gabi work?

Using Gabi is pretty simple. You create an account and then start a policy comparison. If you click "Get Started" from the main page, you're taken to the auto quote page. You can click on the "Compare Insurance" button on the main page and get a homeowners or renters insurance quote instead or start a chat with a Gabi insurance agent to get umbrella or landlord insurance. 

If you're getting an auto insurance quote, you can choose your current insurance company. Next, provide information, such as your name, birthdate, and address. You’ll get to a screen that asks you to connect your online insurance account or upload policy documents like your declarations page. 

If you don’t currently have an auto insurance policy, you can start a policy comparison and then click the “I Don’t Have Insurance” button. This will open a new screen on which you’ll be prompted to provide information to start a new quote. 

Once that information is analyzed, Gabi will show a summary of your current policy coverage and premiums, as well as a list of competitive quotes. 

In my case, I found one policy less expensive than the one I had just started with Allstate. If I opened a new policy with Travelers Insurance, I could save $208 a year. The coverage options that Gabi shows you are actual policies you can purchase through the website, though your payments will be processed on the insurance provider’s site.

Because Gabi is an insurance broker, it doesn’t generate leads that are sent to providers who then pester you with phone calls and emails about buying a policy.  Instead, Gabi facilitates the actual purchase of your new policy. In that sense, they are just like going to a human broker at your local insurance agency who helps you find the best policy for your needs.

What insurance does Gabi offer?

Gabi offers auto, home, renters, condo, landlord, and umbrella policies, as well as coverage for RVs and motorcycles. You will have to speak directly with a Gabi representative about RV and motorcycle policies, as opposed to purchasing them through the website.

With landlord and umbrella insurance, Gabi only allows you to get quotes on its website if you bundle these types of coverage with auto insurance. You can get individual quotes on these products if you talk to a Gabi agent. 

Gabi doesn't offer life insurance. 

Gabi Benefits

  • You could be wasting up to $961 every year
  • Get a better insurance for less
  • Compare top home and renters quotes
  • Average 4.8-star rating with 3,000+ third-party verified reviews

How to maximize your savings with Gabi insurance

Here are some things you can do to get an even better rate on your insurance through Gabi.

Bundle multiple types of insurance

Many insurers offer discounts for taking out multiple policies. Gabi offers you the option of bundling coverage for auto, home, rental, and other vehicles. When you’re comparing policies, it doesn’t hurt to add in information about all your insurance needs so you can see whether Gabi can help you bundle and save.

Look for discounts available through the insurer

Insurers give all kinds of discounts that may not show up on a site like Gabi. These can include being an alumnus of a certain school, being a member or former member of the military, signing up for auto-pay, or even having extra safety features in your car. You can use your Gabi rate to narrow down providers, and then contact the insurer directly to see if they have additional discounts to help you save money on car insurance.

Go for a higher deductible or less coverage

It’s always a risk to choose a higher deductible in return for a lower premium. If you get into a major accident or need to file a claim, you’ll be out a much larger amount of money than if you’d stuck with the minimum deductible option. It’s up to you to decide whether the risk is worth the savings reward. Also be aware that if you have a loan on your automobile, you’ll need to maintain the insurance required by your financial institution.

Compare with Gabi when you’re close to renewing your policy

Shopping around for rates when your insurance renewal date is coming up is something everyone should do. Insurance rates go up and down all the time, but it’s when you’re at the end of your policy that you can typically cancel without an extra fee (something I learned the hard way). If you put a note on your calendar to shop for new rates a month before your policy renews, you might find some savings that make switching insurers worthwhile.

Common questions about Gabi insurance

Is Gabi insurance legit?

Yes, Gabi is a legitimate insurance broker with licenses in all 50 states. Its main purpose is to sell insurance policies on behalf of a network of dozens of companies it works with. This allows Gabi to provide a listing of different policies for users to choose from. Gabi has been accredited by the BBB and currently holds an A+ rating.

Who owns Gabi insurance?

Hanno Fichter is the founder and CEO of Gabi insurance. He is also listed as the owner of the company on the Better Business Bureau website.

How much does Gabi cost?

Gabi is free to use. It makes a point to guarantee that users will not pay any kind of fee for its services.

How does Gabi insurance make money?

Because Gabi is an insurance broker, it makes a commission for every policy it sells. This commision is paid to Gabi by the insurance companies it works with. Gabi doesn’t charge customers for its services and it doesn’t process payments of any kind. Payment information that is collected is sent to the insurance company you’ve chosen to start a policy with, and payment transactions are conducted through that insurance company.

What insurance companies does Gabi work with?

Gabi doesn’t provide a full list of insurance companies it works with. In our testing of the site, we found policy options from Travelers, Geico, Nationwide, Safeco, Clearcover, Allstate, Kemper, Hippo, Berkshire Hathaway, Lemonade, Foremost Insurance Group, Nation General, and Universal Property, but Gabi’s options may not be limited to that list.


How to sign up for Gabi Insurance

Go to Gabi.com and click on the “Sign Up” button on the top right corner of the screen. The prompts that follow will ask you about your current auto insurance provider. If you have a policy, select the company from the dropdown list. If you don’t, click “I Don’t Have Insurance.”

Gabi Insurance Review

You’ll then be asked to provide personal information, such as your name, address, date of birth, phone number, etc. If you have an auto policy, you’ll be asked about the make, model, year, and other details about your vehicle and driving record. You may also be prompted to connect your online insurance account to Gabi or add an existing home policy to your quote. Once all the questions are answered, you’ll get a list of insurance quotes, with the least expensive policy at the top.

Gabi Insurance Review

If you’re shopping for a new auto policy because you're also buying a car, you’ll be asked to provide some more information before you get a list of provider options. This may include the type of coverage you’re looking for, your gender, and your age when you got your license, as well as your education level, job, vehicle basics, and more. Based on the information you give, you’ll get a list of options for a new policy.

Gabi Insurance review


From there, if you’d like to get a quote for a bundled policy and you weren’t already prompted about it, you can click “Add Another Policy” in the upper right corner. At that point, you’ll be able to upload documents or provide your account access information for your existing insurance policy so Gabi can see what you’re covered for and how much your premiums are. After the algorithm takes in all this information, it will provide you with updated quotes.

When you’re ready to sign up for a new policy, click on “Select,” and you’ll be prompted for additional information to confirm the quote. From there, you provide your payment information and follow the prompts to complete the transaction. Your payment will then be processed by the insurance provider, not Gabi itself.

Bottom line

There seem to be some limitations to what Gabi can do for you in that it primarily focuses on providing competitive pricing options for your existing insurance policies, while downplaying starting new policies. For example, I wasn’t able to get quotes for my homeowners insurance because it’s with a carrier Gabi doesn’t have in their network. 

Gabi is a service you can trust to provide you with information about competing rates for comparable insurance coverage. It’s quick, easy, secure, and takes a lot of the guesswork out of shopping for rates.

Gabi Benefits

  • Save an average of $961/ year on car insurance
  • Compare rates from over 40 insurers
  • Get started in less than 5 minutes
  • Free and easy quotes

Author Details

Robin Kavanagh Robin is a freelance writer who lives on the South Carolina beach. She has spent the last 20 years writing about all kinds of topics for publications such as The New York Times, Yes! Magazine, Next Tribe, Parenting, and various trade magazines. On FinanceBuzz.com, you’ll find her mostly writing about smart ways to use credit cards, navigating personal loans, how to save when traveling, and ways to improve your financial health.