Drop your ZIP
Rates are hyper-local. Five digits is all it takes to start.
Scout digs up your lowest rate.
Compare real quotes from 100+ carriers in about 2 minutes. Free to use, and your info stays out of the spam pile.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · No obligation · Scout guards the burrow. No spam.
"The good rates are always buried a little deeper."
Insurance carriers include 
How it works
Scout digs
He tears through 100+ carriers' rate sheets and unearths the discounts they don't advertise.
Pick your rate
Real quotes, side by side. Choose one or walk away. That part is always yours.
Coverage, translated
Ten terms carriers put on every quote, in plain English. Knowing them is how you trim a premium without going bare.
Liability (BI & PD)
Pays for the other person's injuries and property when you're at fault. The only part every state can require.
Collision
Repairs your car after a crash, whoever caused it. Priced off your car's value and your deductible.
Comprehensive
Theft, hail, fire, deer. Everything that isn't a collision.
GAP
Covers the gap between your loan balance and the car's value after a total loss. Costs $2 to $5/mo from an insurer.
Uninsured motorist
Stands in when the at-fault driver has no insurance: roughly 1 in 7 drivers nationally.
Medical payments
Small, fast medical coverage for you and passengers regardless of fault.
Personal injury protection
Bigger sibling of MedPay: medical bills plus lost wages, required in no-fault states.
Non-owner policy
Liability coverage without owning a car. The budget answer for occasional drivers and SR-22 filers.
Rideshare coverage
Fills the gap between your personal policy and Uber's, for the minutes the app is on but no fare is booked.
SR-22
Not insurance: a state filing proving you carry it, usually after a suspension. We have a lane for it.
Your car sets the baseline
Body style moves the premium before anyone asks how you drive.
| Body style | Avg full coverage / mo | Why |
|---|---|---|
| Sedan | $131 | Cheap parts, predictable repairs |
| SUV | $135 | Heavier hits, but common and easy to fix |
| Pickup | $151 | High value, pricier body panels |
| EV | $172 | Battery risk and fewer certified shops |
Averages across the vehicles in our rate index. Illustrative estimates, not quotes; see our methodology.
Terms decoded. Now let Scout dig up your number.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
The fees hide in the fine print.
Installment fees, policy fees, "convenience" charges: the advertised premium is rarely the number on your card statement. We surface the whole cost before you commit.
- Full-cost view: premium + fees, not teaser rates
- Hidden-discount check on every quote
- Plain-English coverage explanations
"I dug through the exclusions so you don't have to. If a quote smells off, it doesn't make the list."Scout, Chief Rate Digger
The big carriers, sized up
| Company | Liability / mo | Full cov / mo | Best for |
|---|---|---|---|
| State Farm | $38 | $124 | Overall cheapest |
| GEICO | $41 | $136 | Digital-first drivers |
| Progressive | $48 | $157 | High-risk / SR-22 |
| Allstate | $56 | $183 | Bundling home + auto |
| Farmers | $61 | $199 | Agent relationships |
| Liberty Mutual | $66 | $217 | Custom coverage add-ons |
Medians across all 50 states in our rate index. Illustrative estimates, not quotes; see our methodology.
Quick answers
Will carriers spam me after I get quotes?
Your matches may contact you with real quotes; that part's them. But your info never gets sold sideways. Scout guards the burrow.
Is this actually free?
Free for you. Carriers pay us when you find a policy: that's the whole business, out in the open.
Ready to see your number?
Five digits, about two minutes, real quotes from 100+ carriers.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · No obligation · Scout guards the burrow. No spam.