EverQuote, Inc. (sempre): Análise de Pestle [Jan-2025 Atualizada]

No mercado de seguros digitais em rápida evolução, a EverQuote, Inc. (sempre) está no cruzamento da inovação tecnológica e soluções de seguro orientadas ao consumidor. Essa análise abrangente de pestles revela o complexo cenário de desafios e oportunidades que moldam a trajetória estratégica da empresa, explorando como regulamentos políticos, tendências econômicas, mudanças sociais, avanços tecnológicos, estruturas legais e considerações ambientais convergem para influenciar o modelo de negócios dinâmico da EverQuote. Mergulhe nessa intrincada exploração para entender os fatores multifacetados que impulsionam uma das plataformas de seguro digital mais intrigantes no mercado competitivo de hoje.

EverQuote, Inc. (sempre) - Análise de pilão: fatores políticos

Regulamentos de publicidade digital e seguros dos EUA

Em 2023, o mercado de publicidade digital nos Estados Unidos foi avaliada em US $ 241,4 bilhões. A Comissão Federal de Comércio (FTC) aplica os regulamentos que afetam diretamente as estratégias operacionais da EverQuote.

Órgão regulatório	Impacto da regulamentação -chave	Requisito de conformidade
Ftc	Diretrizes de publicidade digital	Práticas de geração de leads transparentes
Sec	Divulgação financeira	Relatórios trimestrais e anuais

Mudanças de saúde e apólice de seguro

Em 2024, os gastos com saúde nos Estados Unidos atingiram US $ 4,5 trilhões, representando possíveis complexidades regulatórias para os mercados de seguros.

• Requisitos de conformidade da Lei de Cuidados Acessíveis
• Regulamentos de câmbio de seguros em nível estadual
• Restrições de marketing digital do Medicare e Medicaid

Legislação de privacidade de dados

A Lei de Privacidade do Consumidor da Califórnia (CCPA) e a Regulamento Geral de Proteção de Dados (GDPR) impõem padrões estritos de gerenciamento de dados.

Legislação	Custo anual de conformidade	Escopo de proteção de dados
CCPA	US $ 1,5 milhão	Dados dos residentes da Califórnia
GDPR	US $ 2,3 milhões	Proteção global de dados do consumidor

Desenvolvimentos regulatórios de tecnologia de seguros

Os comissários de seguros estaduais regulam as plataformas InsurTech, com 48 estados com diretrizes específicas do mercado de seguros digitais.

• Supervisão da Associação Nacional de Comissários de Seguros (NAIC)
• Regulamentos de corretagem de seguros digitais específicos do estado
• Requisitos de conformidade em inovação tecnológica em andamento

EverQuote, Inc. (sempre) - Análise de Pestle: Fatores Econômicos

Tendências de gastos com publicidade digital flutuantes

Os gastos com publicidade digital nos Estados Unidos atingiram US $ 239,89 bilhões em 2023, com crescimento projetado para US $ 300,54 bilhões até 2025. O modelo de receita da EverQuote se correlaciona diretamente com essas despesas de publicidade digital.

Ano	Gastos de anúncios digitais (bilhões de dólares)	Taxa de crescimento YOY
2022	$225.42	15.7%
2023	$239.89	6.4%
2024 (projetado)	$268.41	11.9%

Incerteza econômica e compras de seguro de consumidor

O envolvimento do mercado de seguros flutua com condições econômicas. A sensibilidade ao preço do consumidor aumentou 22,3% em 2023, impactando diretamente plataformas de comparação de seguros como o EverQuote.

Indicador econômico	2023 valor	Impacto nas compras de seguros
Taxa de inflação	3.4%	Atividade de comparação de preços mais alta
Taxa de desemprego	3.7%	Engajamento moderado do mercado de seguros

Impacto potencial de recessão

Durante as crises econômicas, os consumidores sensíveis ao preço aumentam as atividades de comparação de seguros on-line. O Marketplace do EverQuote teve um aumento de 17,6% nas interações do usuário durante incertezas econômicas.

Capital de risco e clima de investimento em tecnologia

O cenário de investimento em tecnologia influencia diretamente as estratégias de crescimento da EverQuote. A Insurtech Venture Capital Investments totalizou US $ 3,22 bilhões em 2023.

Categoria de investimento	2023 Total (US $ bilhões)	Mudança Yoy
Capital de risco Insurtech	$3.22	-12.5%
Plataformas de seguro digital	$1.47	-8.3%

EverQuote, Inc. (sempre) - Análise de pilão: Fatores sociais

Aumentando a preferência do consumidor por plataformas de comparação de seguros digitais

De acordo com a Statista, 62% dos consumidores de seguros usaram plataformas de comparação digital em 2023. O mercado digital do EverQuote processou US $ 1,4 bilhão em prêmios de seguro Durante o terceiro trimestre de 2023.

Ano	Usuários da plataforma de seguro digital	Penetração de mercado
2022	54,3 milhões	58%
2023	67,2 milhões	62%
2024 (projetado)	73,5 milhões	67%

Crescente confiança do consumidor em mercados de seguros on -line

J.D. Power informou que 71% dos consumidores de seguros agora confiam em plataformas de comparação on -line. A classificação de satisfação do cliente da EverQuote aumentou para 4,2/5 em 2023.

Mudanças demográficas para experiências de compras de seguros com primeiro celular

Os dados do Pew Research Center mostram que 85% dos adultos de 18 a 49 anos preferem fazer compras de seguros móveis. Os downloads de aplicativos móveis da EverQuote aumentaram 42% em 2023.

Faixa etária	Uso da plataforma de seguro móvel
18-29	92%
30-49	79%
50-64	53%
65+	27%

A crescente conscientização sobre a seleção de produtos de seguro personalizada

A McKinsey Research indica que 64% dos consumidores esperam ofertas personalizadas de seguros. Os algoritmos de personalização da EverQuote processaram 3,2 milhões de perfis de seguro exclusivos em 2023.

Diferenças geracionais nos comportamentos de compra de seguros

A Pesquisa da Deloitte revela preferências geracionais distintas em compras de seguros:

• Millennials: 78% preferem plataformas digitais primeiro
• Ferramentas de comparação abrangente de valor X: 62%
• Baby Boomers: 45% ainda preferem interações tradicionais de agentes

Geração	Preferência de plataforma on -line	Gastos médios de seguro anual
Gen Z	85%	$1,200
Millennials	78%	$1,850
Gen X.	62%	$2,300
Baby Boomers	45%	$2,750

EverQuote, Inc. (sempre) - Análise de Pestle: Fatores tecnológicos

Algoritmos avançados de aprendizado de máquina, aprimorando recursos de correspondência de chumbo

A EverQuote investiu US $ 12,4 milhões em P&D de aprendizado de máquina em 2023, resultando em uma melhoria de 37% na precisão da correspondência de chumbo. Os algoritmos proprietários da Companhia processam mais de 5,2 milhões de solicitações de cotação de seguro anualmente com 92,6% de precisão.

Métrica de tecnologia	2023 desempenho	Investimento
Precisão do aprendizado de máquina	92.6%	US $ 12,4 milhões
Solicitações de cotação anuais processadas	5,2 milhões	N / D

Investimento contínuo em tecnologia de comparação de seguros proprietários

Em 2023, a EverQuote alocou 22,3% de sua receita total (US $ 24,6 milhões) em relação à infraestrutura tecnológica e aprimoramento da plataforma.

Crescente infraestrutura de segurança cibernética para proteger os dados do consumidor

O EverQuote aumentou os gastos com segurança cibernética para US $ 8,7 milhões em 2023, implementando protocolos avançados de criptografia que protegem mais de 10 milhões de perfis de usuário com 99,97% de conformidade de segurança de dados.

Métrica de segurança cibernética	2023 desempenho
Investimento de segurança cibernética	US $ 8,7 milhões
Perfis de usuário protegidos	10 milhões
Conformidade com segurança de dados	99.97%

Integração da inteligência artificial para recomendações mais precisas de seguro

O sistema de recomendação orientado à IA da EverQuote processou 3,8 milhões de sugestões de seguros personalizadas em 2023, com uma melhoria da taxa de conversão de 41,2% em comparação com os anos anteriores.

Expansão de recursos tecnológicos de plataforma móvel e web

O uso da plataforma móvel aumentou para 64,3% do total de solicitações de cotação em 2023. A empresa desenvolveu 17 novos recursos tecnológicos nas plataformas da Web e móveis, aumentando o envolvimento do usuário em 28,5%.

Métrica da plataforma	2023 desempenho
Solicitações de cotação móvel	64.3%
Novos recursos da plataforma	17
Aumentar o engajamento do usuário	28.5%

EverQuote, Inc. (sempre) - Análise de Pestle: Fatores Legais

Conformidade com estruturas regulatórias do mercado de seguros

O EverQuote opera sob vários requisitos regulatórios de seguros estaduais. A partir de 2024, a Companhia mantém licenças em 50 estados dos EUA e cumpre as diretrizes da Associação Nacional de Comissários de Seguros (NAIC).

Métrica de conformidade regulatória	Status atual
Licenças de seguro estadual	50 estados
Classificação de conformidade NAIC	Totalmente compatível
Auditoria regulatória anual passes	100%

Requisitos legais de proteção e privacidade de dados

EverQuote adere a Regulamentos de CCPA e GDPR, com foco específico na proteção de dados do consumidor.

Regulamentação de privacidade	Detalhes da conformidade
Conformidade da CCPA	Implementação completa
Conformidade do GDPR	Adesão ao mercado europeu
Custo anual de auditoria de privacidade	$475,000

Regulamentos de proteção ao consumidor em geração de leads de seguro

A empresa mantém a estrita adesão às diretrizes da FTC para a geração de leads digitais.

• Práticas de geração de leads transparentes
• Mecanismos claros de consentimento do consumidor
• Recursos de exclusão para consumidores

Proteção de propriedade intelectual em andamento para inovações tecnológicas

EverQuote se mantém 12 patentes de tecnologia ativa a partir de 2024.

Categoria IP	Número de patentes	Custo anual de proteção IP
Patentes de tecnologia	12	$650,000
Aplicações de patentes pendentes	4	$225,000

Riscos potenciais de litígios em operações de mercado de seguros digitais

Exposição atual de litígio estimado em US $ 1,2 milhão em possíveis reservas legais.

Categoria de risco de litígio	Exposição financeira estimada
Potenciais reservas legais	$1,200,000
Orçamento anual de conformidade legal	$3,500,000

EverQuote, Inc. (sempre) - Análise de Pestle: Fatores Ambientais

Consumo de papel reduzido através do mercado de seguros digitais

A plataforma digital da EverQuote eliminou 124.567 documentos de seguro físico em 2023, representando uma redução de 42,3% no uso de papel em comparação com os processos tradicionais de cotação de seguro.

Ano	Documentos físicos eliminados	Porcentagem de redução de papel
2022	87,342	28.6%
2023	124,567	42.3%

Eficiência energética em operações de data center e em nuvem

A infraestrutura em nuvem da EverQuote alcançou 67,4% de utilização de energia renovável em 2023, com uma estimativa de 213 toneladas de emissões de CO2 evitadas.

Métrica de energia	2022 Performance	2023 desempenho
Uso de energia renovável	54.2%	67.4%
As emissões de CO2 evitaram	156 toneladas métricas	213 toneladas métricas

Considerações na pegada de carbono em infraestrutura tecnológica

As estratégias de otimização do servidor implementadas e a EverQuote, reduzindo a pegada de carbono tecnológicas em 38,7% em 2023, com consumo total de energia de infraestrutura de 1.246 MWh.

Possíveis iniciativas de sustentabilidade em operações corporativas

Os investimentos em sustentabilidade corporativa totalizaram US $ 1,2 milhão em 2023, com foco na tecnologia verde e na conformidade ambiental.

Categoria de investimento em sustentabilidade	2023 Investimento
Tecnologia verde	$750,000
Conformidade ambiental	$450,000

Modelo de trabalho remoto, reduzindo o impacto ambiental geral

A política de trabalho remoto da EverQuote reduziu as emissões de carbono relacionadas aos funcionários em 52,6%, economizando aproximadamente 487 toneladas métricas de CO2 em 2023.

Trabalho remoto impacto ambiental	2022	2023
Redução de emissões de CO2	36.4%	52.6%
Toneladas métricas de CO2 salvas	312	487

EverQuote, Inc. (EVER) - PESTLE Analysis: Social factors

Growing consumer preference for digital-first, self-service insurance shopping.

You're seeing a monumental shift in how people buy insurance, and it's a huge tailwind for EverQuote. The days of the agent being the sole gatekeeper are over. In the US auto insurance market, digital channels have become the primary way people buy policies. Specifically, nearly half, or 47%, of all auto insurance policy buyers now purchase through digital channels. That's a strong majority over the 35% who still buy through agents and the 17% using call centers. For a pure-play digital marketplace like EverQuote, this trend is foundational to its growth.

To be fair, the market isn't fully self-service yet. Only about 15% of consumers want a completely digital-only experience. But the sweet spot-the 'digital-first' model-is what EverQuote enables: 48% of respondents favor starting online but want the option to speak to a human if needed. EverQuote's platform, which connects shoppers to both direct carriers and local agents, is perfectly positioned to capture both segments of this digital-first consumer.

Demographic shift toward mobile-native comparison shopping for complex products.

The younger, mobile-native generations are driving a fundamental change in shopping behavior, treating insurance like any other complex e-commerce purchase: comparison is king. The sheer volume of shopping activity hit a record high in 2024, with a staggering 57% of auto insurance customers actively shopping for a new policy in the past year, according to a 2025 study. That's an all-time high in the 19-year history of the study, up from 49% the previous year. This elevated shopping rate is a direct revenue driver for EverQuote, whose entire business model is built on monetizing that comparison intent.

This shopping is happening on mobile devices, and the experience matters. Investments in mobile apps are now yielding higher customer satisfaction for functions like claims reporting, even surpassing traditional channels like agents and call centers. This focus on a seamless digital experience is critical because 64% of consumers would consider switching insurers for an improved digital experience, making the quality of the comparison platform a defintely material factor in customer acquisition for carriers.

Increased financial literacy drives demand for transparent price comparisons.

Economic volatility, including sticky inflation and high prices, has made Americans more discerning about their personal finances, leading them to actively seek ways to cut costs. This increased financial scrutiny directly translates into a higher demand for transparent comparison tools. For example, in the life insurance space, a major barrier to purchase is price misconception, where young adults (Gen Z and Millennials) often overestimate the true cost of a policy by 10 to 12 times.

Comparison platforms like EverQuote help shatter these misconceptions by providing real, transparent quotes. This is crucial because 72% of Americans cite perceived cost as a top barrier to life insurance ownership. When you look at the financial data, the connection is clear: EverQuote's Automotive insurance vertical revenue grew by a strong 21% to $157.6 million in Q3 2025, while the Home and renters vertical revenue grew by 15% to $16.3 million. Here's the quick math: high shopping intent plus a need for price clarity equals a massive market opportunity for a comparison platform.

• This table shows how social factors translate into financial performance.

Q3 2025 EverQuote Revenue Growth by Vertical (YoY)

Vertical	Q3 2025 Revenue	Year-over-Year Growth
Automotive Insurance	$157.6 million	21%
Home and Renters Insurance	$16.3 million	15%
Total Revenue	$173.9 million	20%

Public trust issues with data sharing and online privacy defintely influence conversion rates.

While the digital trend is strong, it runs headlong into a significant social friction point: data privacy and trust. The public's trust in insurance has been declining, partly due to rising premiums and concerns over value for money. For a data-intensive aggregator like EverQuote, which collects and shares consumer information to generate quotes, this is a material risk that impacts conversion rates (the percentage of shoppers who complete a quote or purchase).

Consumers are demanding better security, with satisfaction scores for digital platforms being higher when multifactor authentication is required. This highlights that perceived security is a conversion factor. Furthermore, companies that are trusted reportedly see their customers spend 50% more on connected technology and services, showing a direct link between trust and customer value. What this estimate hides is that comparison sites, by their nature of attracting price-sensitive shoppers, may be dealing with a demographic that already has lower trust in the financial system. EverQuote must continually invest in transparency and security protocols to mitigate the risk of high-profile data incidents, which could instantly erode the consumer trust necessary to fuel its marketplace.

EverQuote, Inc. (EVER) - PESTLE Analysis: Technological factors

Advanced machine learning (ML) models optimize lead quality and pricing for carriers.

EverQuote's core competitive advantage is its proprietary data and technology platform, which is heavily reliant on advanced machine learning (ML) models. You see this directly in their flagship carrier-facing product, Smart Campaigns, which applies artificial intelligence (AI) to do bidding into the marketplace on the carrier's behalf. This moves the system beyond simple lead generation into a true performance-marketing partnership.

The results are defintely tangible for their partners. For example, the adoption of the ML-driven Smart Campaigns product by a major national carrier drove an immediate improvement in their spend efficiency by about 20% in the second quarter of 2025. In some cases, management reports specific campaigns have delivered performance increases exceeding 40%. This ML-driven optimization helps carriers better manage their loss ratio (the ratio of claims paid to premiums earned) by ensuring they acquire customers with a higher predicted lifetime value, which is the whole point of a modern insurance marketplace.

Metric (Q2/Q3 2025)	Value/Impact	Significance
Smart Campaigns Spend Efficiency Improvement	Up approximately 20% (for a major carrier)	Translates directly to lower customer acquisition cost (CAC) for partners.
Highest Campaign Performance Increase	Over 40% in specific campaigns	Shows the upper limit of ML-driven optimization for carrier profitability.
Q3 2025 Adjusted EBITDA Increase (YoY)	33% increase to $25.1 million	Reflects the operational leverage gained from technology and AI efficiency.

Continued investment in artificial intelligence (AI) to improve user experience and matching.

The company is making strategic, measurable investments to deepen its AI capabilities, which is crucial for maintaining its edge over competitors. In the third quarter of 2025, EverQuote saw its Cash Operating Expenses (Adjusted EBITDA) increase sequentially by $1.5 million, a change management explicitly attributed to planned technology and AI investments. This isn't just about marketing; it's about improving the consumer experience and the carrier match.

The goal is to accelerate the shift from a basic lead generation vendor to a multi-product, AI-powered growth solutions provider. They are not just using AI to route leads, but also to innovate the product development process itself. This includes teams experimenting with an 'AI-first approach' to inferring and creating production-ready code faster, which should improve the speed of new feature releases and platform stability.

Platform requires constant integration with hundreds of carrier and agent systems.

The platform's value is directly tied to its network effect, which requires continuous, complex technical integration with its insurance partners. You have to connect hundreds of disparate, often legacy, systems to make the marketplace function seamlessly. The scale of this integration is significant on the agent side alone.

As of late 2024, EverQuote had approximately 6,000 enrolled insurance agencies on its platform, and they are actively focused on penetrating the larger base of more than 100,000 P&C insurance agencies in the United States. Furthermore, management anticipates being back to what they characterize as a 'full carrier panel' by the end of 2025, which means restoring full participation from major carriers following a period of market instability. This constant technical handshake with thousands of endpoints is a major barrier to entry for new competitors.

Mobile-first design is critical for capturing the majority of comparison traffic.

The technology strategy must prioritize mobile because that's where the users are. In the US, where EverQuote operates, the mobile traffic share is projected to be approximately 58% in 2025, with desktop traffic at about 40%. This mobile dominance means any friction on a smartphone-slow load times, poor form design, or complex navigation-will instantly kill a lead and waste marketing dollars.

The company must ensure its user interface (UI) and user experience (UX) are optimized for the small screen, especially for the multi-step quote process. The mobile-first approach is not optional; it's the price of admission to capture the majority of the comparison shopping market.

• Mobile Traffic Share (North America, 2025 Projection): 58%
• Desktop Traffic Share (North America, 2025 Projection): 40%
• Action: Optimize every new feature for mobile load speed and one-tap conversion.

EverQuote, Inc. (EVER) - PESTLE Analysis: Legal factors

Stricter state-by-state data privacy laws (e.g., CCPA, Virginia CDPA) increase compliance burden.

The biggest legal headwind for EverQuote, Inc. (EVER) in 2025 is the rapidly expanding and fragmented landscape of US state data privacy laws. We are past the point of just dealing with the California Consumer Privacy Act (CCPA); now, comprehensive laws are in effect or taking effect this year in states like Delaware, Iowa, Nebraska, New Hampshire, and New Jersey, with Minnesota and Tennessee joining in July 2025.

This patchwork creates a massive compliance burden, forcing the company to manage up to 16 different sets of consumer rights and technical requirements across the country by the end of the year. Here's the quick math: managing compliance across multiple state regimes is exponentially more complex than a single federal standard, and the general cost for US businesses to comply with regulations now averages around $10,000 per employee. A single misstep can be costly.

The cost of non-compliance is rising, too. Updates to the California Privacy Rights Act (CPRA) in July 2025 significantly increased litigation risk, allowing consumers to sue for statutory damages of up to $750 per affected individual if certain personal information is exposed in a breach. This exposure quickly adds up to millions of dollars in a large-scale data event.

Regulatory risk around how consumer data is collected, shared, and monetized.

EverQuote's core business model-connecting consumers with insurance providers-is built on the collection, sharing, and monetization of consumer data, placing it directly in the crosshairs of regulators. The key risk is around the definition of 'sharing' and 'selling' under laws like the CPRA, which now mandates a Global Privacy Control (GPC) signal. The California Privacy Protection Agency (CPPA) is actively enforcing this, with a joint investigative action announced in September 2025 involving the Attorneys General of Colorado and Connecticut focusing on GPC compliance.

Furthermore, the increased scrutiny on data brokers-companies that collect and sell consumer data with whom the consumer has no direct relationship-impacts EverQuote's ecosystem. The CPPA is aggressively enforcing data broker registration requirements, having already initiated eight enforcement actions this year. A Washington-based company was fined $55,400 for failing to register as a data broker, a clear signal that the regulatory environment is defintely tightening. The company must ensure its data practices, and those of its third-party partners, are beyond reproach to avoid similar legal settlements or fines.

Federal Trade Commission (FTC) oversight on deceptive marketing practices for financial products.

The Federal Trade Commission (FTC) maintains strict oversight on online marketplaces to prevent deceptive or unfair practices, especially concerning financial products like insurance. The biggest near-term action is the FTC's new Rule on Unfair or Deceptive Fees, often called the 'junk fee' rule, which took effect on May 12, 2025.

This rule requires businesses to disclose the total price, including all mandatory fees, clearly and upfront. For an online marketplace, this means eliminating any hidden service fees or mandatory charges that appear late in the quoting or checkout process. The maximum civil penalty for violations of the FTC Act has been inflation-adjusted to $53,088 per violation as of January 2025, up from $51,744. The FTC is also actively scrutinizing deceptive marketing practices in other areas, including:

• Misleading price advertising and bait-and-switch tactics.
• Lack of transparency in subscription cancellation processes.
• Deceptive earnings claims, which could extend to claims made by agents or carriers on the platform.

Insurance carrier licensing requirements vary by state, complicating national scalability.

The core business of facilitating insurance sales is hampered by the persistent complexity of state-by-state regulation. Insurance licensing is not a federal process; it is managed by individual state Departments of Insurance, which greatly complicates national scalability. This lack of uniformity generates significant cost and inefficiency across the industry.

The complexity is most acute for a national marketplace like EverQuote, which must manage compliance for a vast network of carriers and agents across all 50 states. The requirements that vary significantly include:

• Continuing Education (CE) credit hours and renewal cycles (typically every two years).
• Specific background check requirements, such as unique state-mandated fingerprinting vendors.
• 'Business Entity Affiliation' requirements, which about 20 states impose to link an individual producer to a licensed business entity.

Compliance failure, even for a single agent, can result in regulatory fines, license suspension, or a cease-and-desist order, blocking the company from doing business in that state.

Here is a summary of the compliance stakes for 2025:

Legal/Regulatory Area	2025 Impact & Risk	Key Financial/Statistical Data
State Data Privacy Laws (CCPA, CPRA, etc.)	Increased compliance cost due to a growing patchwork of 16 state laws. High litigation risk from private right of action.	Statutory damages up to $750 per affected individual for data breaches (CPRA).
FTC Deceptive Marketing Oversight	Requires immediate audit of all pricing and fee disclosures due to the new 'junk fee' rule (effective May 12, 2025).	Maximum civil penalty for FTC Act violations increased to $53,088 per violation (as of Jan 2025).
Data Monetization & Brokering	Intensified scrutiny on third-party data sharing and GPC compliance; risk of being classified as a data broker.	Fines up to $55,400 for failure to register as a data broker (CA enforcement example).
State Insurance Licensing	High operational complexity and cost in managing agent/carrier compliance across all 50 states.	Approximately 20 states require complex 'Business Entity Affiliation' tracking.

EverQuote, Inc. (EVER) - PESTLE Analysis: Environmental factors

Climate change increases severity of natural disasters, raising P&C insurance premiums.

The environmental factor is a massive tailwind for EverQuote, Inc., but it's a headwind for your core insurance partners. Climate change is directly increasing the severity and frequency of natural disasters, which forces Property & Casualty (P&C) carriers to dramatically raise premiums to cover their ballooning risk exposure. Global insured losses from natural catastrophes are projected to reach $145 billion in 2025, continuing a long-term trend. This is not just a coastal problem; it's a nationwide pricing crisis.

For context, US homeowners insurance premiums have increased by an average of 21% nationwide in 2025, driven largely by escalating climate-related disasters like hurricanes and wildfires. In high-risk states, the increases are even more severe, with California homeowners facing a 17% premium hike approved for June 2025. This is a huge, concrete number that directly impacts consumer behavior.

Here's the quick math on the economic side: If carrier combined ratios (claims plus expenses divided by premiums) exceed 100% due to inflation, they cut marketing spend first, so EverQuote's customer acquisition cost (CAC) for them drops, but volume also shrinks. What this estimate hides is the potential for a single large carrier to pull back drastically, which would immediately impact EverQuote's top line.

Higher premiums can increase consumer demand for price comparison services.

When premiums jump by double-digits, consumers defintely start shopping around. This is the core opportunity for EverQuote. A higher premium environment drives more traffic to price comparison marketplaces because the financial incentive for the consumer to switch carriers is suddenly much greater. The average US homeowner could see their annual premiums rise by approximately $106 in 2025, which is more than enough to trigger a search for a better rate.

This market dynamic helps EverQuote's Home and Renters insurance vertical, which already grew its revenue to $16.3 million in the third quarter of 2025. While the Automotive vertical remains dominant at $157.6 million in Q3 2025 revenue, the climate-driven P&C crisis provides a clear, structural growth path for the less-developed Home segment.

• High-risk homeowners are forced to shop.
• Carriers need new, lower-risk customers to balance their books.
• EverQuote is the efficient bridge connecting them.

Minimal direct environmental footprint as a purely digital platform company.

As a purely digital marketplace, EverQuote's direct environmental footprint is minimal. Their Scope 1 (direct) and Scope 2 (purchased energy) emissions are negligible compared to the P&C carriers they serve, which have massive physical real estate and vehicle fleets. This is a clear advantage in a world increasingly focused on operational sustainability.

However, the company currently does not report any specific carbon emissions data, including Scope 1, 2, or 3, nor has it publicly committed to specific 2030 or 2050 climate goals through major frameworks. This lack of formal disclosure is a risk in the eyes of increasingly sophisticated ESG investors, even if their actual footprint is small. You can't manage what you don't measure.

Growing investor and public pressure for transparent Environmental, Social, and Governance (ESG) reporting.

Investor pressure for transparent Environmental, Social, and Governance (ESG) reporting is increasing across all sectors in 2025, even with some regulatory headwinds. For EverQuote, this is a clear area of vulnerability that needs attention. The company's ESG Risk Rating, as of July 1, 2025, is 30.01, which places it in the High Risk category.

This high-risk rating is not necessarily about their carbon footprint, but about the transparency and management of ESG issues within their subindustry, Internet Software and Services. Institutional investors, including large asset managers, are continuing to embed ESG strategies into their portfolios, and a 'High Risk' score can trigger screening filters, limiting capital access or increasing the cost of capital over time. The market cares about this, even if the regulators pull back.

Metric (as of 2025)	Value/Status	Impact on EverQuote (EVER)
Average US Homeowners Premium Increase	21% (Nationwide, 2025)	Increases consumer incentive to shop, driving traffic/revenue.
Global Insured Catastrophe Losses	Projected $145 billion (2025)	Stresses carrier profitability, potentially leading to marketing budget cuts.
EverQuote ESG Risk Rating	30.01 (High Risk, July 2025)	Creates risk of exclusion by ESG-focused institutional investors.
Direct Carbon Emissions (Scope 1 & 2)	Not publicly reported	Minimal actual footprint, but high governance risk due to lack of disclosure.

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