Insurance Calculator
29 free calculators covering auto, home, life, health, and business insurance. No account, no quote form, no phone number. Each one shows its assumptions so you can check the arithmetic rather than take the answer on trust.
Start with the question you are trying to answer
The tools index is arranged by product. This is arranged by question, because most people arrive with a decision to make rather than a tool in mind.
| If you want to know… | Use |
|---|---|
| What will my car insurance cost? | Auto Insurance Calculator →Vehicle, driver age, record, and state coverage level. |
| Is the quote I was given normal for my state? | Insurance Rate Comparison →Compare state averages and coverage types before you accept or shop on. |
| What will my home, condo, or rental cost to insure? | Home, Condo, and Renters calculators →Rebuild cost and contents for owners; walls-in gap for condos. |
| How much life cover does my household actually need? | Life Insurance Calculator →Income, dependents, debts, and the term you want to cover. |
| Term or whole life — which costs less over 30 years? | Term vs Whole Life Comparison →Total cost at your age and coverage amount, side by side. |
| What will I actually pay if I have a large medical bill? | Claim Out-of-Pocket Simulator →Deductible plus coinsurance, capped at the out-of-pocket maximum. |
| Should I take the higher deductible and lower premium? | High vs Low Deductible Comparison →Shows the number of claims at which one plan overtakes the other. |
| What will Medicare cost me? | Medicare Calculator →Premiums, subsidies, and out-of-pocket costs by age and income. |
| How much cover does my business need? | Business Insurance Calculator →Business type, headcount, revenue, and state. |
All 29 calculators, by coverage line
Every calculator below is free and runs in the browser. Where a figure is a modelled estimate rather than a published rate, the page says so and shows the derivation.
Auto and vehicle
Cars, motorcycles, RVs, and boats — premiums driven by the vehicle, the driver, and the state.
- Auto Insurance CalculatorEstimate auto premiums by vehicle type, age, driving record, and state coverage level.
- Motorcycle Insurance CalculatorCalculate motorcycle insurance by bike type (cruiser, sport, touring), rider age, and state.
- Motorcycle Rate ComparisonCompare motorcycle rates across bike types, rider ages, and all 50 US states with instant results.
- RV Insurance CalculatorEstimate motorhome, travel trailer, fifth wheel and camper van coverage — and work out whether you need a recreational policy or full-timer coverage.
- Boat & PWC Insurance CalculatorEstimate hull, liability and medical payments coverage for a boat, jet ski or personal watercraft, including the effect of lay-up periods and navigational limits.
Home and property
Owners, renters, and condo cover, plus the perils a standard policy leaves out.
- Home Insurance CalculatorEstimate homeowners insurance by property value, age, state, coverage type, and deductible.
- Renters Insurance CalculatorEstimate renters insurance by city, personal property value, and coverage type.
- Condo Insurance CalculatorEstimate HO-6 condo insurance from interior rebuild cost, contents value and loss assessment coverage — and see the walls-in gap the HOA master policy leaves you.
- Flood Insurance CalculatorEstimate flood insurance premiums by property value, FEMA zone, building type, and deductible.
- Earthquake Insurance CalculatorCalculate earthquake insurance by property value, building type, seismic zone, and deductible.
- Umbrella Insurance CalculatorSize excess liability coverage to your net worth and see typical annual premium bands per $1M.
Life and retirement
How much cover a household needs, and what it costs to buy it.
- Life Insurance CalculatorCalculate life insurance coverage by age, income, family dependents, and desired coverage term.
- Term vs Whole Life ComparisonCompare 30-year total cost of term life versus whole life at your coverage amount and age, including an illustrative whole-life cash value.
- Premium Budget to Max Coverage CalculatorReverse life-insurance estimator: enter your annual premium budget, age, and health to see the maximum coverage you can likely afford under our parametric model.
- Target Coverage to Premium CalculatorReverse life-insurance estimator: enter age, health, and a target coverage amount to see the estimated annual and monthly premium using transparent parametric assumptions.
- Annuity CalculatorEstimate annuity payments based on investment amount, interest rate, and payout period.
- Retirement CalculatorCalculate retirement savings needs based on current age, retirement age, and desired annual income.
Health and Medicare
Premiums, out-of-pocket exposure, and the cover Medicare does not provide.
- Health Insurance CalculatorEstimate health insurance premiums by plan tier, state, family size, and ACA income level.
- Medicare CalculatorEstimate Medicare premiums, subsidies, and out-of-pocket costs based on age and income.
- Long-Term Care CalculatorCalculate long-term care insurance costs by age, coverage period, and daily benefit amount.
- Disability Insurance CalculatorEstimate long-term disability benefit and premium from income, occupation class, benefit period and elimination period, including the tax treatment of benefits.
- Claim Out-of-Pocket SimulatorSimulate your out-of-pocket cost on a medical or accident bill: deductible plus coinsurance, capped at the out-of-pocket maximum, with a by-bill-size chart.
Business
Commercial cover sized to revenue, headcount, and industry.
Compare and plan
Tools that work across coverage lines: side-by-side comparison, deductibles, and premium trends.
- Insurance Rate ComparisonCompare insurance rates across states and coverage types to find the most affordable options.
- High vs Low Deductible ComparisonCompare two insurance deductible scenarios. Find the break-even number of claims where a high-deductible, lower-premium plan beats a low-deductible plan.
- Premium Increase SimulatorSimulate annual premium increases of a set percentage and see the cumulative extra cost versus a flat premium over 10 or 20 years.
- Insurance Quote Comparison WorksheetPrintable worksheet to compare 2-3 auto, home, life, or renters quotes side by side — monthly vs annual check, deductible, coverage, and a claim-process checklist.
- Travel Insurance CalculatorEstimate travel insurance costs by trip cost, length, traveler age, and destination type.
- Pet Insurance CalculatorCalculate pet insurance costs by pet age, breed, and coverage tier.
What an insurance calculator can and cannot tell you
A calculator is a model, and a model is only as good as what it is allowed to see. Being clear about the boundary is more useful than presenting an estimate as a price, so here it is plainly.
What it can do
- Show how the published rating factors move a premium — coverage level, deductible, vehicle or property characteristics, state, age band.
- Put a number on the trade-off between a higher deductible and a lower premium.
- Tell you whether a quote you were given sits inside or outside the normal range for your state.
- Size a coverage amount from your own income, debts, and dependents.
- Show the arithmetic, so you can disagree with it.
What it cannot do
- Know the rate your insurer has filed for your exact profile. Only that insurer can quote it.
- Know your credit-based insurance score, which most states allow insurers to use for auto and home.
- Know your loss history as reported in a claims database.
- Know the underwriting details that decide real premiums — the age of a roof, a dog's breed, a recent violation.
- Choose an insurer for you. Price is one factor among several that do not appear in an estimate.
How to get a useful answer out of one
- 1
Change one input at a time. The value of a calculator is in the comparison, not the number. Move the deductible and watch what happens; then move the coverage limit and watch again. The pattern tells you which lever matters for your situation.
- 2
Use the estimate to frame the quote, not to replace it. A range from a calculator turns an opaque quote into something you can evaluate: is it at the low end, the middle, or the high end, and does the insurer explain why.
- 3
Compare like with like. A monthly figure for one insurer against an annual figure for another is the most common way people misread a comparison. Use the quote comparison worksheet to line them up on the same terms.
- 4
Read the assumptions. Every calculator here states what it assumes. If an assumption does not describe your situation, the output does not describe your premium.
Common questions about insurance calculators
Are these insurance calculators free?+
Yes. Every calculator on this site is free, requires no account, and does not ask for contact details. There is no quote form behind them and no phone number to leave, because the tools exist to help you understand a number rather than to generate a lead.
How accurate is an insurance calculator?+
It is an estimate, not a quote. A calculator can apply the rating factors that are published and comparable across insurers — vehicle or property characteristics, coverage level, state, age band — but it cannot know the rate your particular insurer has filed for your particular profile. Treat the output as a range and a sanity check, not a price.
Why does my real quote differ from the estimate?+
The usual reasons are credit-based insurance score, which most states allow insurers to use for auto and home, your loss history as reported in a claims database, and underwriting details a calculator does not ask about — the age of your roof, the breed of your dog, a recent violation, or the exact trim of the vehicle.
Which calculator should I start with?+
Start with the question rather than the product. If you are deciding how much coverage to buy, use the calculator for that line of insurance. If you already have a quote and want to know whether it is reasonable, start with the rate comparison and then the deductible comparison. The table above maps the common questions to the right tool.
Can a calculator tell me which insurer to choose?+
No, and one that claims to should be treated with suspicion. Price is one input and not always the most important one: claims handling, the financial strength of the carrier, whether your own repair shop is in network, and how the insurer treats a total loss all matter and none of them appear in a premium estimate.
Where do the figures behind these tools come from?+
From published sources — state insurance department filings and rate reports, NAIC publications, and the datasets we maintain and document openly. Our data methodology page sets out the sources, the retrieval dates, and which figures we have flagged as unverified and therefore exclude from our own analysis.
Where the numbers come from
The calculators draw on state insurance department filings and rate reports, NAIC publications, and the open datasets documented on our data methodology page. That page lists the sources, the retrieval dates, and the figures we have flagged as unverified and therefore excluded from our own analysis. Where a result is a modelled estimate rather than a published rate, the calculator shows the derivation. See also theinsurance glossary for the terms these tools use, andstate insurance rules for the minimums that apply where you live.