Free auto insurance calculator to help determine the right coverage levels for your vehicle, assets, and budget. Get personalized liability, collision, and comprehensive recommendations.
Insurance Calculators
Use our free calculators to estimate your insurance needs. No signup required.
Available Calculators
- Life Insurance Needs Calculator - Calculate how much life insurance coverage you need using the DIME method
- Auto Insurance Coverage Calculator - Determine the right liability, collision, and comprehensive coverage for your situation
- Deductible vs Premium Calculator - Compare higher deductibles vs lower premiums and find your break-even point
Coming Soon
- Health Insurance Subsidy Estimator
Related Guides
- Life Insurance Guide - Understanding life insurance options
- Insurance for Young Families - Coverage planning for growing households
- Having a Baby Checklist - Life insurance is critical for new parents
- Coverage Quiz - Find out what insurance you need
Data Sources
Calculator methodologies and recommendations are based on industry guidelines from III (opens in new tab) , NAIC (opens in new tab) , LIMRA (opens in new tab) , and financial planning best practices. Learn more about our data collection methods on our Methodology page.
Frequently Asked Questions
How accurate are insurance calculators?
Our calculators provide estimates based on industry standards and common formulas. They’re designed to give you a starting point for understanding your needs. For personalized advice, consult with a licensed insurance professional who can account for your specific situation.
Do I need to create an account to use the calculators?
No. All our insurance calculators are completely free and require no signup or account creation. Your inputs are processed in your browser and we don’t store any personal information.
What is the DIME method for life insurance?
DIME stands for Debt, Income, Mortgage, and Education. It’s a comprehensive formula for calculating life insurance needs by adding up: outstanding debts, income replacement (typically 10x annual income), mortgage balance, and future education costs for children.
How often should I recalculate my insurance needs?
Recalculate whenever you experience a major life event: marriage, having children, buying a home, changing jobs, or significant income changes. At minimum, review your coverage needs annually during open enrollment periods.
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