Insuregear compares quotes from 80+ licensed US carriers across auto, home, renters, health and life insurance — side-by-side, in about 60 seconds. AI-ranked by price and fit, with 0% commission and no spam calls. Free forever.
Trusted by 1,200+ households · Average saving $1,200/yr · 4.8/5 user rating
Most insurance comparison websites are paid lead generators: you fill in a form, get sold to four agents, and never see the real price. Insuregear works differently. We're a licensed broker with direct integrations to 80+ carriers, so the quotes you see are the quotes you pay — no middleman markup, no surprise sales calls.
Answer a few short questions about what you want to insure. Takes about 60 seconds. We never sell your data.
Our matching engine pulls live rates from every major US insurer and ranks them by price, coverage fit, and claims reliability.
Pick the winner, e-sign, and get instant proof of insurance. Switch any time — no cancellation fees, no spam.
Most comparison sites only do car insurance. Insuregear is built to be your full insurance dashboard.
Compare car insurance from GEICO, Progressive, State Farm, Allstate, Liberty Mutual and more.
Side-by-side homeowner rates from leading traditional and digital home carriers.
Compare top renters carriers — coverage from as little as $12/mo.
Compare ACA marketplace plans — Oscar, Kaiser, Blue Cross, UnitedHealth, Cigna.
Term and whole-life policies from top-rated carriers, ranked by price-per-dollar of coverage.
We started Insuregear because every existing comparison tool felt like a sales funnel, not a savings tool. Here's how we differ from the rest of the category.
| Feature | Insuregear | Platform A | Platform B | Platform C |
|---|---|---|---|---|
| 0% broker commission | Yes | No | No | No |
| No spam calls after quoting | Yes | No | No | No |
| Auto + Home + Health + Life in one tool | Yes | Limited | Limited | Auto only |
| AI fit score (not just price) | Yes | No | No | No |
| Side-by-side comparison view | Yes | Yes | Yes | No |
| Carriers compared | 80+ | 50+ | 100+ | 50+ |
Insurance is one of the few products where the same coverage can cost double depending on which carrier you ask. Two reasons:
That's why comparing rates every renewal is the single biggest lever you have to lower your premium. Our users save $1,200/year on average just by switching to the lowest-priced carrier the Insuregear engine finds.
Insuregear is a free AI-powered insurance comparison tool that compares quotes from 80+ US carriers across auto, home, renters, health and life insurance. We charge 0% broker commission and never sell your data, so the rate you see is the rate you pay.
You answer a short profile questionnaire. Our AI engine pulls live rates from 80+ licensed carriers, scores each one for price and fit, and shows them side-by-side. You can bind a policy in minutes with e-signature.
Yes. We are paid by the carrier when you bind a policy — never by you. We also run on a 0% commission model, which means we don't mark up your premium the way most brokers do.
Users save up to $1,200 per year on average by switching to the lowest-priced carrier surfaced by our comparison engine. Auto and home are the highest-savings categories.
No. Unlike most comparison sites that sell your contact info to several agents, we are a licensed broker and route you to exactly one carrier — the one you pick. No SMS spam, no robo-calls.
Most popular comparison platforms are paid lead generators that sell your information to multiple agents. Insuregear is a licensed broker with direct API access to carriers, runs a 0% commission model, and compares five lines of insurance (auto, home, renters, health, life) in one tool.
See your best matches across 80+ carriers in under 60 seconds.
Start comparing →