ValuePenguin
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingDigital Commerce or Content
What ValuePenguin does
ValuePenguin is a data-driven insurance comparison platform that helps U.S. consumers research, compare, and purchase coverage across nine product categories: auto, home, health, Medicare, life, renters, motorcycle, pet, and condo insurance. The platform combines SEO-optimized editorial content, interactive calculators (Car Insurance Coverage Calculator, Health Subsidy Calculator, Medicare Eligibility Calculator), and state- and county-level rate analysis to help consumers estimate costs and identify competitive policies. Quote generation and licensed-agent support are delivered through an integration with QuoteWizard.com, a sister LendingTree subsidiary, with agents available 24/7 via a dedicated phone line.
The business operates a free, consumer-facing model and monetizes exclusively through affiliate and referral fees paid by insurance carriers when users click through or purchase policies. The platform draws on quote data covering what it describes as 90% of the top U.S. insurance companies, and amplifies distribution through earned media placements in outlets such as The Wall Street Journal, The New York Times, and Yahoo! Finance. All consumer tools and content are offered at no cost, with revenue tied directly to conversion events downstream of the comparison experience.
ValuePenguin is a privately held subsidiary of LendingTree, LLC (NASDAQ: TREE), headquartered in Charlotte, North Carolina, and operated with 11-50 employees. Founded in 2013, the company functions as the insurance-vertical consumer-acquisition asset within LendingTree's broader personal-finance ecosystem, complementing LendingTree's lending marketplace and QuoteWizard's insurance production capabilities. No standalone revenue, funding, or valuation is disclosed; the company's economics are reported within LendingTree's consolidated financials.
ValuePenguin firmographics
Firmographics- Name
- ValuePenguin
- Legal name
- LendingTree, LLC
- Website
- https://valuepenguin.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
ValuePenguin industry classification
Industry- Product category
- Insurance Comparison Platform
- NAICS
- Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)
- akta.pro secondary industry
- Price Comparison/Aggregator Generalist Marketplaces (CRAFAAAI)
Keywords
Where ValuePenguin is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ValuePenguin business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Marketing or Sales, Personnel, Technology or R&D, Operations
Revenue model
- Insurance Referral and Affiliate Fees: ValuePenguin generates revenue when users click through to insurance providers or purchase insurance policies. The site displays quotes and coverage options from third-party providers and receives compensation from those providers for referrals. This is disclosed in the advertiser disclosure on the website.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free consumer platform with affiliate-referral model |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
ValuePenguin product offering
Product offeringCore offering
ValuePenguin is a consumer-facing insurance comparison platform that helps individual shoppers compare rates and coverage options across auto, home, health, Medicare, life, renters, motorcycle, condo, and pet insurance. The site aggregates quotes from approximately 90% of major insurance carriers, provides interactive rate calculators, expert editorial guides, and state-specific rate analyses, and routes purchase-ready consumers to licensed insurance agents available 24/7 by phone.
Product overview
ValuePenguin is a data-driven insurance comparison platform operated by LendingTree that helps consumers find and compare insurance products across multiple categories including auto, home, health, Medicare, life, renters, motorcycle, pet, and condo insurance. The platform operates through a core comparison engine supported by interactive calculators (Health Subsidy Calculator, Medicare Eligibility Calculator, Car Insurance Coverage Calculator) and extensive state-specific content guides. Users can compare rates from multiple insurance companies, access free quotes, and receive data-backed recommendations. The service monetizes through affiliate relationships with insurance providers. The platform also provides educational resources on insurance topics including COBRA, short-term health insurance, and health insurance at life milestones (age 26, Medicare eligibility).
Differentiator
Problem solved
Functional benefit
Products and services
- Car Insurance Comparison Data-driven car insurance comparison service that allows consumers to compare rates from multiple insurance companies, calculate appropriate coverage levels, and obtain free quotes. Includes a Car Insurance Coverage Calculator for estimating coverage needs by state.
- Home Insurance Comparison Homeowners insurance comparison tool that helps consumers compare rates, identify the best companies, and estimate average costs across different states and coverage levels.
- Health Insurance Comparison ACA marketplace health insurance comparison service covering Bronze, Silver, Gold, Platinum, and Catastrophic plan tiers, including state-specific marketplace plans, subsidy calculations, and enrollment guidance, with optional dental coverage.
- Medicare Plans Medicare comparison and guidance platform covering Original Medicare (Parts A, B, D), Medicare Advantage (Part C), and Medicare Supplement (Medigap) plans, with eligibility calculators and cost guides.
- Life Insurance Comparison Term and whole life insurance comparison platform that helps consumers find coverage options and understand policy types.
- Renters Insurance Comparison Renters insurance comparison service helping tenants find affordable coverage for personal property and liability protection.
- Motorcycle Insurance Comparison Motorcycle insurance comparison tool for finding affordable coverage for motorcycles, mopeds, and scooters.
- Pet Insurance Comparison Pet insurance comparison service helping pet owners find veterinary coverage plans for dogs, cats, and other pets.
- Condo Insurance Comparison Condo (HO6) insurance comparison platform for condominium owners seeking coverage for personal property and liability.
Quantifiable outcome
- 92% of drivers saved money by switching car insurance through ValuePenguin recommendations
- +2 more outcomes
Companies that use ValuePenguin
Customer profileSegments1 record
Ideal customer profiles1 record
ValuePenguin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ValuePenguin partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LendingTree, LLC (Parent Company)coreValuePenguin is owned and operated by LendingTree, LLC, a leading online lending marketplace. LendingTree provides the infrastructure and corporate umbrella for ValuePenguin's insurance comparison operations.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
ValuePenguin competitors and assessment
Company assessmentDirect peers
- NerdWallet: Publicly-traded financial comparison platform offering side-by-side comparisons across credit cards, banking, insurance, mortgages and investing. Operates a near-identical business model of free content plus affiliate referral revenue, and is the most direct competitor to ValuePenguin's insurance comparison vertical.
- Bankrate: Long-established personal finance comparison site (owned by Red Ventures) covering mortgages, credit cards, banking, and insurance. Bankrate's insurance vertical uses an editorial-plus-affiliate model very similar to ValuePenguin's, and previous ValuePenguin team members (e.g., Cate Deventer) worked at Bankrate before joining.
- The Zebra: Insurance-only comparison platform explicitly pitching itself as the 'Insurance Zebra,' comparing auto, home, and other personal lines from multiple carriers. Operates the same comparison-shopping model that ValuePenguin uses for its auto and home insurance categories.
- Insurify: AI-driven insurance comparison aggregator that pulls real-time carrier rates and routes consumers to top carriers. Competes head-on with ValuePenguin in auto and home insurance shopping, relying on the same affiliate-referral revenue model.
- EverQuote: Publicly-traded online insurance marketplace (NASDAQ: EVER) that connects consumers with auto, home, and life insurance providers through its own carrier network. Operates an insurance-lead-generation model directly comparable to ValuePenguin's interaction with QuoteWizard.com.
Peers
- Money.com: Consumer personal finance brand (formerly Money Magazine) publishing extensive insurance, banking, and investing comparison content. Competes with ValuePenguin for organic search traffic on insurance shopping queries and sells affiliate referrals through Money's editorial content.
- WalletHub: Personal finance comparison site offering free credit scores, wallet comparisons, and insurance rate comparison tools. Overlaps with ValuePenguin in credit- and insurance-related shopping queries, monetizing via affiliate referral fees.
- SmartFinancial: Insurance comparison marketplace focused primarily on auto and home insurance, aggregating quotes from multiple carriers through a digital shopping experience. Closely comparable to ValuePenguin in product scope and affiliate-based revenue model.
Regional players
- GoCompare: UK-based price comparison platform covering insurance, energy, and financial products through an affiliate-lead-gen model equivalent to ValuePenguin's. Comparable structurally, but does not directly compete in the U.S. market that ValuePenguin serves.
- MoneySupermarket: One of the UK's largest price comparison websites, comparing insurance, energy, broadband and financial products through an affiliate-referral model. Operates the same free-content-plus-affiliate structure as ValuePenguin but in the UK rather than the U.S.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
ValuePenguin social profiles
Digital presenceValuePenguin financial estimates
Financial estimateRevenue estimate
Valuation estimate
ValuePenguin leadership team
Management profileNumber of profiles
Profiles4 records
ValuePenguin subsidiaries and ownership
Company hierarchySubsidiaries1 record
ValuePenguin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ValuePenguin M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ValuePenguin
What does ValuePenguin do?
ValuePenguin is a consumer-facing insurance comparison platform that helps individual shoppers compare rates and coverage options across auto, home, health, Medicare, life, renters, motorcycle, condo, and pet insurance. The site aggregates quotes from approximately 90% of major insurance carriers, provides interactive rate calculators, expert editorial guides, and state-specific rate analyses, and routes purchase-ready consumers to licensed insurance agents available 24/7 by phone.
Is ValuePenguin a public or private company?
ValuePenguin is a private company. It is classified as corporate owned and is currently operating.
When was ValuePenguin founded?
ValuePenguin was founded in 2013. It employs 11 to 50 people.
Where is ValuePenguin based?
ValuePenguin is headquartered in New York, United States, in the North America region.
How does ValuePenguin make money?
One revenue line is on record: insurance Referral and Affiliate Fees.
Who are ValuePenguin's main competitors?
Direct peers on record are NerdWallet, Bankrate, The Zebra, Insurify and EverQuote. Peers are Money.com, WalletHub and SmartFinancial. Regional players are GoCompare and MoneySupermarket.
Does ValuePenguin have an API?
No public API is recorded for ValuePenguin.
What industry is ValuePenguin in?
ValuePenguin's product category is Insurance Comparison Platform. Its primary akta.pro industry code is BPAMAGAH, Price Comparison, Deals, Cashback & Loyalty Shopping Platforms, with a secondary code of CRAFAAAI, Price Comparison/Aggregator Generalist Marketplaces. Its NAICS code is 524210 and its SIC code is 6411.