Auto insurance
Compare car insurance for up to three vehicles on one policy, whether you’re insured now or buying your first policy.
Compare auto quotes
Free insurance quote comparison
Compare auto and home insurance, the easy way
Answer a few questions in about 3 minutes, and we’ll connect you with insurance companies and licensed agents who serve your ZIP code. Free, with no obligation to buy.
Free quotesNo obligation to buy
Auto, home & rentersCompare in one place
- About 3 minto answer a few simple questions
- $0free to use, with no obligation to buy
- 1 formfor auto, home, or both together
- Encryptedyour details are sent over a secure connection
What we can help with
Insurance you can compare with Ratekeel
Pick the coverage you need. Each one takes just a few minutes, and you can ask for more than one.
Home insurance
Compare homeowners and condo insurance for houses, town homes, condos, and mobile homes.
Compare home quotes
Renters insurance
Your landlord’s policy doesn’t cover your belongings. Renters insurance does, and it often costs less than people expect.
Compare renters quotes
Home & auto bundle
Ask for home and auto quotes in one request. Many providers offer a discount when you insure both with them.
Compare bundle quotes
How it works
Three steps to compare your options
No account to create and nothing to pay.
Answer a few questions
Tell us about you and what you’d like to insure.
We match you with providers
We connect your request with insurance companies and licensed agents who serve your ZIP code.
Talk it over and decide
Someone from our team or a licensed agent reaches out to go over your options. Pick the one that fits, or none at all.
Why Ratekeel
Insurance shopping, made simpler
Prices for the same coverage can vary a lot from one company to the next. We make it easier to see your options.
One request, more options
Fill out one form instead of repeating your details on site after site.
A real person helps
A quick call gets you an accurate price based on your details, not a rough online estimate.
No pressure, ever
It’s free, and you’re never obligated to buy. You can stop calls or texts at any time.
Your privacy matters
We share your details only to get you quotes, as our Privacy Policy explains.
A quick, no-pressure callto go over your options
Good to know
What affects your insurance rate
Every company weighs these a little differently. That’s why comparing more than one quote can pay off.
Rates, discounts, and the factors insurers may use vary by company and state.
Compare my ratesWhere you live
Your ZIP code matters more than most people expect. Local weather, theft and accident rates, repair and rebuilding costs, and state rules all play a part.
Your driving record
Accidents, tickets, and DUIs usually raise auto rates for several years. A clean record helps you get better prices.
The vehicle you drive
Insurers look at the make, model, and year: what it costs to repair, how safe it is, and how often that model is stolen.
Your home
For home insurance, the age and size of the home, the roof, and what it would cost to rebuild matter most. Updated wiring, plumbing, and alarms can help.
Coverage and deductible
More coverage costs more. A higher deductible usually lowers your premium, but you pay more out of pocket when you file a claim.
Insurance and claims history
Keeping continuous coverage and having few claims can lower your rate. A gap in coverage may raise it.
Bundling and discounts
Many providers offer discounts for bundling home and auto, insuring more than one car, safe driving, and more. Ask about them on your call.
Credit-based insurance score
In most states, insurers may use a credit-based insurance score when setting rates. Some states limit or don’t allow it.
What is Ratekeel?
Ratekeel is a free service that helps you compare auto, home, and renters insurance. You answer a few questions once, and we connect you with insurance companies and licensed agents who serve your area.
Is it really free?
Yes. Ratekeel is free to use, and you’re never obligated to buy anything.
How does Ratekeel make money?
We may be paid by the insurance companies and agents we connect you with. You never pay us anything.
Is Ratekeel an insurance company?
No. We are not an insurance company, agent, or broker, and we don’t issue policies or set prices. Your quote comes from the insurance company or agent.
What happens after I submit my request?
Someone from our team or a licensed insurance agent will call or text you to confirm a few details and go over your options. The call may come from a number you don’t recognize. The final decision is always yours.
Will getting quotes affect my credit score?
No. Requesting quotes through Ratekeel doesn’t affect your credit score. If an insurer checks a credit-based insurance score, it’s a soft inquiry that doesn’t affect your score.
Can I get auto and home quotes together?
Yes. On the last step of the home form, or the auto form if you own your home, choose the button for both. Many providers offer a discount when you bundle.
How do I stop calls or texts?
Tell the caller, reply STOP to any text, or visit Your Privacy Choices.
Is my information secure?
Our forms send your details over an encrypted connection. We share your information only as described in our Privacy Policy, to connect you with providers and agents who can quote you.
Ready to compare?
It takes about 3 minutes, it’s free, and you’re never obligated to buy.