Car insurance calculator

You can use the car insurance calculator to get an idea of your coverage options and their costs. To get started, use the dropdown menus on the left column to enter some basic information, which the calculator will then use to generate your estimate.

If there’s a term you’re unfamiliar with, you can check the definitions we’ve provided or use the tooltips in the calculator by clicking on the navy circle with an “i” symbol.

Once you’ve entered your information, your coverage options and limits will appear on the right side of the calculator. These numbers are a starting point and can give you a point of reference for what you’ll want to have when you get a car insurance quote.

State of residence

When using the car insurance calculator, one of the first steps is to select your state of residence. The cost of insurance can vary significantly from state to state due to different required coverages and risk factors. The calculator takes those differences into account.

Car ownership status

Next, you can specify whether you own, lease or finance your vehicle. Your ownership status can influence the type and amount of coverage you might consider.

Value of your car

The value of your vehicle helps the calculator determine the coverage needed for potential repairs or replacements. You'll simply need to select whether your vehicle value is more or less than $2,000.

Can you pay out of pocket to replace your car?

If you can comfortably pay out of pocket to replace your vehicle, then you may not need comprehensive and collision coverages. It’s important to think about what is the most appropriate coverage option for the specifics of your situation.

Bodily injury liability

Bodily injury liability coverage can help pay for injuries you cause to others in an accident. This might include medical expenses, legal fees and other related costs.

Property damage liability

Property damage liability can cover the cost of damages to someone else's property in an accident where you’re at fault. This might include repairs to vehicles and property. It does not, however, cover damage to your own vehicle.

Uninsured/underinsured motorist bodily injury

This coverage is designed to help protect you if you're in an accident with a driver who lacks sufficient insurance to cover your medical expenses. This coverage only kicks in if the uninsured or underinsured driver is at fault for the accident.

Uninsured/underinsured motorist property damage

Uninsured motorist property damage coverage may help pay for property damage to your vehicle if it’s caused by an uninsured or underinsured driver. This coverage is not available in every state.

Personal injury protection (PIP)

Personal injury protection could potentially cover your medical expenses and lost wages, regardless of fault, in an accident. PIP is not available in every state. Your state may offer some other form of medical payments coverage.

Comprehensive and collision

Comprehensive coverage usually includes damages to your vehicle from non-collision incidents like theft, fire, vandalism or natural disasters. Collision insurance can help cover the cost to repair or replace your car in the event of an accident, regardless of who’s at fault. This is typically required for financed or leased cars.

If your car is of low value or you can afford the out-of-pocket cost to replace it, this type of insurance may not be worth it.

As your life circumstances change, your insurance needs and requirements may also change. Using the car insurance calculator can help give you a baseline for the coverages you need when get a new car insurance quote. Here are a few common examples of when you may want to review your car insurance.

Moving

When you relocate, insurance rates may change based on your new location's risk factors and required coverages, particularly if you move to a new state. If you’re staying in-state, recalculating your coverage is wise to ensure it remains suitable. If you’re moving out of state, a new car insurance policy will be required.

Getting married

Marital status can impact insurance rates, potentially requiring adjustments to reflect your new circumstances.

Adding a new or used car

If you get another vehicle for your household, your coverage requirements could change. The calculator may help you figure out what sorts of coverages to get for your new car.

Adding a child to your policy

With a new driver in the household, coverage needs may change. Reviewing and potentially adjusting your policy and level of protection may be advised.

Changes in time spent driving

Significant changes in your daily commute or driving habits might lead to adjustments in your coverage requirements. You may want to reevaluate your level of protection using the calculator.

Understanding what kind of insurance suits your unique circumstances can help you find an appropriate balance between the cost of coverages and the value they provide. You may, however, be able to find greater savings depending on your unique circumstances

Compare quotes from several insurers

Getting a quote from at least three insurers can help you find the best insurer for your situation, according to the Insurance Information Institute (III). Make sure you’re selecting the same coverage options from the calculator with the same coverage limits and deductibles.

Review available car insurance discounts

Depending on your situation, you may be eligible for discounts on your car insurance. For example, if you’re a student or you’re purchasing a new car, there may be specific discounts waiting for you. You may also have the option to bundle different insurance policies for a lower overall premium.