Free Car Insurance Calculators
Find out what your car insurance is actually buying you
Seven calculators that take the coverages on your declarations page and turn them into decisions: which coverage dominates the bill, whether a higher deductible pays for itself, and when physical damage cover stops being worth it.
Auto Insurance Calculator
Add up a car insurance premium from its individual coverages and see which part of the policy is actually costing you money.
Result
Annual premium
$1,415
Monthly cost
$118
- Six-month premium
- $708
- Before discounts
- $1,580
- Discount applied
- $190
- Liability and injury share
- 48.73%
- Physical damage share
- 46.84%
- Largest single coverage
- Liability
This is an estimate based on the values you entered. Actual premiums, coverage, eligibility and pricing vary by provider and by individual circumstances.
Splitting the premium by coverage shows where the money actually goes. Physical damage cover (collision and comprehensive) is the part that can be dropped on an older vehicle.
Premium by coverage
| Coverage | Annual premium | Share of total |
|---|---|---|
| Liability | $620 | 39.24% |
| Collision | $480 | 30.38% |
| Comprehensive | $260 | 16.46% |
| Uninsured motorist | $90 | 5.7% |
| Medical payments | $60 | 3.8% |
| Add-ons | $70 | 4.43% |
Read the full guide, worked examples and FAQ for this calculator →
Popular tools
The calculators visitors to AutoInsuranceTools open most often.
- Auto Cover
Auto Insurance Calculator
Add up a car insurance premium from its individual coverages and see which part of the policy is actually costing you money.
Open calculator → - Premiums & Payments
Car Insurance Premium Estimator
Convert a six-month, annual or monthly car insurance price into every other form, including the instalment fees on each payment.
Open calculator → - Deductibles
Auto Insurance Deductible Calculator
Compare two collision or comprehensive deductibles and find how many claim-free years the higher one needs to pay for itself.
Open calculator → - Coverage & Limits
Auto Liability Coverage Calculator
Work out the liability limit your assets and future income justify, rather than accepting the state minimum by default.
Open calculator → - Auto Cover
Comprehensive Coverage Calculator
Decide whether comprehensive or collision cover still earns its premium on a car that has depreciated.
Open calculator → - Auto Cover
Collision Coverage Gap Calculator
Check whether a total loss would leave you still owing money on the car loan after the insurance settlement.
Open calculator →
Car insurance is sold as a single price, which is why so few drivers can say what they are paying for. The declarations page lists six or seven separate coverages, each priced individually, each doing a completely different job.
These tools take that page apart. Liability protects other people and is the part worth increasing; collision and comprehensive protect a depreciating asset and eventually stop earning their premium. Knowing which is which is worth more than shopping around, and it takes about five minutes.
Browse by category
Auto Cover
Vehicle coverage, deductibles and the cost of physical damage cover.
Deductibles
Compare deductible options and the out-of-pocket cost of a claim.
Premiums & Payments
Work out annual, monthly and per-payment costs, including fees and tax.
Coverage & Limits
Decide how much cover the numbers support and where the gaps are.
Why use AutoInsuranceTools
Your declarations page, not an average
Every calculation starts from the numbers printed on your own policy. No industry averages, no assumed rates, and nothing invented.
The decisions drivers actually face
Should the deductible go up? Is comprehensive still worth it on a nine-year-old car? Would a total loss clear the loan? Each has its own calculator.
Six-month terms handled properly
Auto policies are usually written for six months. Every cost tool annualises so a car quote can be compared against anything else.
Nothing leaves your browser
No account, no quote form, no broker on the other end. The calculations run on your device and nothing you type is stored or sent.
How it works
- Find your declarations page - your insurer will email a copy if you do not have one.
- Pick the calculator matching the decision you are trying to make.
- Enter the figures from the policy, not from memory.
- Copy or download the result to take into a conversation with your agent.
Frequently asked questions
Can you give me a car insurance quote?
No. Rates are proprietary and filed state by state, and no free calculator has access to them. These tools work from quotes you already have so you can understand and compare them.
Will my details be sent to an insurance company?
No. There is no quote form and no lead generation on this site. Every calculation runs inside your browser and nothing is transmitted.
Should I drop collision and comprehensive on an old car?
It depends on the value of the car, the deductible and the premium for those coverages specifically. The comprehensive coverage calculator works out the threshold - and a lender may require the cover regardless.
How much liability coverage do I actually need?
Enough to cover what a claim could reach: your assets plus future income. State minimums are set to keep uninsured drivers off the road, not to protect your savings.
Do I need an account to use these tools?
No. There is no sign-up, no login and no email requirement anywhere on this site.