Introduction

In this episode of the Insurtech Leadership Podcast, host Josh Hollander sits down with Gemma Ros, CTO at The Zebra, to unpack their 2026 State of Auto Insurance Report. They explore what's driving premium divergence across states, how affordability pressure is reshaping consumer behavior, and where regulation, loss costs, and distribution dynamics collide.

Guest Bio

Gemma Ros is CTO at The Zebra, one of the largest insurance comparison platforms in the United States. Born in Spain, Gemma built her career across engineering and data roles before joining The Zebra, where she leads the technology organization responsible for data infrastructure, product engineering, and AI capabilities. She brings a unique perspective as both a technologist and an insurance industry insider who sees real-time consumer shopping behavior at scale.

Key Topics

• State-by-state premium divergence — Auto insurance premiums are not stabilizing uniformly. Regulatory environments, loss cost trends, and competitive dynamics are creating vastly different realities depending on where you live.

• Affordability pressure and coverage erosion — Consumers facing higher premiums are choosing higher deductibles, lower coverages, and state minimums — creating knock-on effects for uninsured/underinsured motorist exposure across the market.

• Carrier growth signals in ad spending — When carriers increase advertising, it signals growth appetite and competitive pricing — a cue for consumers to reshop their policies.

• Rate filing dynamics — New rates are being filed and going into effect daily, making the market a moving target for both consumers and distribution partners.

• Telematics and ADAS impact on underwriting — Usage-based insurance and advanced driver assistance systems are beginning to reshape how risk is priced, though widespread impact is still unfolding.

• Autonomous vehicles and insurance implications — The shift from driver liability to product/manufacturer liability as autonomy scales, and what that means for carriers.

• Taking AI from fun to material impact — Gemma's 2026 engineering theme: moving AI adoption from experimental to scalable, repeatable, and operationalized across the entire engineering organization.

Quotes

• "It's never a bad idea to shop around. Educate yourself — you might be leaving money on the table."

• "If you start seeing a lot more ads for insurance companies on TV or on podcasts, that's a good time to reshop — the carriers are signaling they want to grow."

• "My main theme for 2026 is taking AI from fun to material impact."

Resources

• The Zebra's 2026 State of Auto Insurance Report: Available at thezebra.com

• The Zebra: thezebra.com — insurance comparison platform

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