Gabi Personal Insurance

Personal-lines insurance brokerage that compares and switches auto, home, and renters coverage for US consumers.

Distribution & Sales Established Acquired (Experian, 2021, USD 320M)

Overview

Gabi is a personal-lines insurance brokerage serving individual consumers across the United States. Founded in 2016 and based in San Francisco, California, the company operates as a licensed insurance agency -- Gabi Personal Insurance Agency, Inc. -- selling auto, home, renters, umbrella, and landlord coverage and is licensed in all 50 states plus Washington, D.C.

The product connects to a customer's existing policy, either through account credentials or an uploaded declarations-page PDF, and extracts current coverage details automatically. It then returns side-by-side quotes from a network of more than 40 property-and-casualty carrier partners, including Nationwide, Travelers, Progressive, Safeco, State Farm, Farmers, Geico, and Liberty Mutual. Customers can complete a switch online or work with an agent by phone or text, and Gabi assists with cancelling the prior policy. Gabi is paid a flat commission by the winning carrier regardless of which one the customer selects, rather than charging the consumer directly.

Gabi was acquired by Experian in a transaction completed in October/November 2021 valued at approximately USD 320 million, following four funding rounds that raised roughly USD 39 million from insurance-focused investors including Northwestern Mutual Future Ventures, CMFG Ventures, and Securian Financial Ventures. It continues to operate publicly under the Gabi brand as a licensed subsidiary of Experian plc. Its licensed entity also does business as Experian Insurance Services, the name used for a February 2026 conversational insurance-shopping feature Experian launched inside ChatGPT, which compares rates across more than 37 carriers through Gabi's licensing.

Products & Services

Insurance Comparison & Switching Platform

Core product connecting to a customer's existing policy to pull coverage details and return comparison quotes across Gabi's carrier network.

Key Features

Account-credential or uploaded-PDF extraction of a customer's current auto, home, renters, umbrella, or landlord coverage
Apples-to-apples quote comparison across a network of 40+ P&C carrier partners
Online self-service switch or an assisted switch by phone or text with an agent
Assistance cancelling the prior policy
Flat carrier commission model, no direct cost to the consumer

Line-of-Business Comparison Tools

Individual comparison flows for each personal-lines product Gabi offers.

Key Features

Dedicated comparison pages for auto, home, renters, umbrella, and landlord insurance
Standalone car-insurance cost calculator

Experian Insurance Marketplace (ChatGPT App)

A conversational insurance-shopping experience inside ChatGPT, launched February 2026, powered by Gabi's licensed agency entity doing business as Experian Insurance Services.