Yes, Gabi is a real, state-licensed insurance agency, now owned by Experian. It operates as Gabi Personal Insurance Agency, Inc., which Experian acquired in 2021 and describes as its licensed subsidiary for shopping and buying insurance. Gabi itself is not an insurer: it compares quotes from outside insurance companies, and the insurer you choose sets the final price and pays covered claims.
The Gabi brand has not disappeared, but it now shares space with Experian’s own branding. Gabi.com is still live and still takes quote requests, while Experian also markets the same underlying agency directly on experian.com under names like “Experian Insurance Services” and “Experian Marketplace.” Either path leads to the same licensed company.
Key Takeaways
- Gabi Personal Insurance Agency, Inc. is the one licensed agency behind both the original gabi.com brand and Experian’s newer “Experian Insurance Services” and “Experian Marketplace” branding. Experian acquired it in 2021.
- Gabi.com is still live and does not redirect to Experian’s main site. Texas’s public agency-license data independently confirms Gabi Personal Insurance Agency’s license under that same name.
- Gabi’s privacy policy states it has not sold personal information in the past 12 months. It does still share your data with carriers, parent company Experian, and other listed partners.
- Gabi and Experian describe a network of dozens of insurance companies, with slightly different counts depending on which page you read. Treat any number as a description of the shopping pool, not a guaranteed price for you.
What Gabi Is and Who Owns It
| Question | Short Answer |
|---|---|
| Is it an insurance company? | No. It is a licensed insurance agency. |
| Legal name | Gabi Personal Insurance Agency, Inc. |
| Owner | Experian, since 2021 |
| Brand today | gabi.com still live; same agency also markets as Experian Insurance Services / Experian Marketplace |
| Selling your data | Says it has not sold personal information in the past 12 months |
Gabi’s own about page says the company “was acquired in 2021 by Experian, the world’s leading global information services company, and now does business as Experian Insurance Services.” The site footer names the licensed entity as “Gabi Personal Insurance Agency, Inc., a part of Experian.”
Texas’s public agency-license dataset independently lists Gabi Personal Insurance Agency under producer number 18180879, with active general-lines and life agency licenses, confirming the entity behind the brand outside the company’s own site.
How the Gabi and Experian Brands Fit Together
As of September 2026, gabi.com was still its own site, not simply forwarded to Experian. It still describes gathering quotes “from over 40 top insurance companies” and lists offices in San Francisco and Łódź, Poland.
Experian also promotes the same agency under its own name. A 2025 Experian release announcing an added carrier said, “Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.,” describing that network as “more than 30 top carriers” under the Experian Marketplace brand.
Whether you start at gabi.com or come through an Experian product, you end up with the same licensed agency. The carrier count differs slightly between the two descriptions, so treat either figure as a general description of the shopping pool rather than a promise tied to your ZIP code or driving record.
How Gabi Is Paid and What Happens to Your Data
Gabi’s own pages don’t spell out how it’s compensated. As a licensed agency, it fits the general pattern the NAIC describes for independent and captive agents, who are typically paid commissions by the insurers whose policies they place.
On data, Gabi’s privacy policy makes a specific claim: “In the previous 12 months, we have not ‘sold’ personal information to third parties.” Gabi still shares information, including with insurance carriers and underwriters, Experian as its parent, service providers, credit reporting agencies, advertising networks, and government agencies such as DMVs and regulators.
Gabi collects your name and contact details plus underwriting information such as your Social Security number, date of birth, driver’s license and vehicle details, along with payment information and browsing or location data from cookies. It may send promotional emails if you provide one, with an unsubscribe link, and says it may record calls “as permitted by applicable law.”
How to Check Any Insurance Marketplace
Some comparison sites are licensed agencies whose agents help you buy, like Gabi. Others are referral or lead-generation sites that mainly pass your contact information along. The FTC describes lead generators as businesses that collect your contact information, then sell it to marketers.
- Which brand you are dealing with: gabi.com and Experian’s own insurance pages both lead back to Gabi Personal Insurance Agency, Inc., so check the footer or privacy policy for the licensed entity’s exact name.
- Legal name and license: Confirm it with your state insurance department or the NAIC’s directory of state insurance departments.
- What the privacy policy says about selling data: Policies differ on this point, so read the exact wording rather than assuming.
- Who the insurer is: The marketplace is not who pays your claim. Confirm the insurer’s name before you buy.
- Complaints: Check your state insurance department and the BBB, and remember a rating is the BBB’s opinion, not a guarantee.
For a longer walk-through of these checks, see whether Policygenius is legit.
If you would rather compare quotes directly, you can compare car insurance quotes and use the same coverage limits and deductible on each quote so the prices line up.
For another comparison agency’s ownership and data practices, see whether Jerry Insurance is legit.
Frequently Asked Questions
Is Gabi the Same Company as Experian?
Not exactly. Experian is the parent company. Gabi Personal Insurance Agency, Inc. is the licensed subsidiary that actually places policies, whether you reach it through gabi.com or through an Experian-branded insurance page.
Where Can I Complain About Gabi or Experian Insurance Services?
Start with Gabi or Experian directly. If that does not resolve things, your state insurance department licenses agencies like Gabi Personal Insurance Agency and handles consumer complaints.
Sources
- Gabi: About Us
- Gabi: Privacy Policy
- Experian: Experian Adds Root Insurance to Its Auto Insurance Portfolio
- Texas Department of Insurance: Insurance Agencies and Businesses Approved to Manage Insurance-Related Products
- BBB: Gabi Personal Insurance Agency Business Profile
- NAIC: How to Choose an Insurance Agent
- NAIC: Insurance Departments
- FTC: The Lead-Generation Bait-and-Switch
- BBB: Overview of BBB Ratings