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Rates are hyper-local. Five digits is all it takes to start.
Scout unearths the buried discounts; Penny audits every line for hidden fees before it reaches you.
Real quotes, side by side. Choose one or walk away. That part is always yours.
Ten terms carriers put on every quote, in plain English. Knowing them is how you trim a premium without going bare.
Pays for the other person's injuries and property when you're at fault. The only part every state can require.
Repairs your car after a crash, whoever caused it. Priced off your car's value and your deductible.
Theft, hail, fire, deer. Everything that isn't a collision.
Covers the gap between your loan balance and the car's value after a total loss. Costs $2 to $5/mo from an insurer.
Stands in when the at-fault driver has no insurance: roughly 1 in 7 drivers nationally.
Small, fast medical coverage for you and passengers regardless of fault.
Bigger sibling of MedPay: medical bills plus lost wages, required in no-fault states.
Liability coverage without owning a car. The budget answer for occasional drivers and SR-22 filers.
Fills the gap between your personal policy and Uber's, for the minutes the app is on but no fare is booked.
Not insurance: a state filing proving you carry it, usually after a suspension. We have a lane for it.
Body style moves the premium before anyone asks how you drive.
| Body style | Avg full coverage / mo | Why |
|---|---|---|
| Sedan | $138 | Cheap parts, predictable repairs |
| Pickup | $147 | High value, but everywhere and easy to fix |
| SUV | $151 | Heavier hits, pricier bumper tech |
| EV | $172 | Battery risk and fewer certified shops |
Sample data for layout purposes.
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.
"Every line. Every fee. Checked. Scout finds them; I make sure they're as cheap as they claim."— Penny, Fine-Print Department
| Company | A.M. Best rating | Market share | Avg liability / mo |
|---|---|---|---|
| State Farm | A++ | 18.3% | $41 |
| Progressive | A+ | 16.7% | $52 |
| GEICO | A++ | 11.6% | $45 |
| Allstate | A+ | 10.2% | $61 |
| USAA | A++ | 6.3% | $44 |
| Liberty Mutual | A | 4.7% | $72 |
Sample data for layout purposes. A.M. Best measures financial strength (can they pay claims), not price; a big market share means everything from claims data to repair networks runs smoother.
"Renewal came in at $212. Fifteen minutes here and I'm paying $148 for the same coverage."
"Needed an SR-22 after my suspension. Two carriers actually competed for it, which I didn't know was possible."
"The quote matched what I ended up paying. That alone puts it ahead of every other site I tried."
Sample testimonials for layout purposes; production reviews come from a verified-review provider.
Penny asks:"Will they spam you?" Scout answers:"Matched carriers may reach out with real quotes. Nobody else gets your info. I guard the burrow."
Penny asks:"What's the catch?" Scout answers:"No catch. Carriers pay us when you find a policy. You never do."