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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

        Date of Report (Date of earliest event reported) February 1, 2006

                               QUOTESMITH.COM, INC
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             (Exact name of registrant as specified in its charter)

            Delaware                    0-26781                36-3299423
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  (State or other jurisdiction        (Commission           (I.R.S. Employer
       of incorporation)              File Number)         Identification No.)

           8205 South Cass Ave., Darien, IL                      60561
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       (Address of principal executive offices)               (Zip Code)

         Registrant's telephone number, including area code 630-515-0170


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         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ]  Written communications pursuant to Rule 425 under the Securities
     Act (17 CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange
     Act (17 CFR 240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13a-4(c))

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ITEM 2.02 AND 7.01   RESULTS OF OPERATION AND FINANCIAL CONDITION AND REGULATION
                     FD DISCLOSURE

        On February 1, 2006, Quotesmith.com, Inc. announced its earnings for the
quarter and year ended December 31, 2005. The press release making that
announcement is attached hereto as Exhibit 99.1 and is incorporated herein by
reference. This information is being furnished under both Item 2.02 (Results of
Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure) of
Form 8-K.

SECTION 9.01     FINANCIAL EXHIBITS AND EXHIBITS

ITEM 9.01        EXHIBITS

(d)

Exhibit
Number      Description
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99.1        Press Release dated February 1, 2006, announcing the earnings of
            Quotesmith.com, Inc. for the quarter and year ended December 31,
            2005.



                                    SIGNATURE

        Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

Date: February 1, 2006                          By: /s/ PHILLIP A. PERILLO
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                                                    Phillip A. Perillo
                                                    Senior Vice President and
                                                    Chief Financial Officer