Auto Insurance Coverage Calculator

Calculator Inputs

Currency

Used for display only (no conversions).

Vehicle market value ($)

Your best estimate of current resale value.

Vehicle age (years)

Newer vehicles often benefit from physical damage coverage.

Financed or leased

Many lenders require collision and comprehensive.

Annual mileage

Higher mileage generally increases exposure.

Area risk level

Traffic density, theft rates, and claim frequency.

Driver age

Years licensed

Not all insurers rate this equally.

Parking

At-fault accidents (past 3 years)

Moving violations (past 3 years)

Claims filed (past 3 years)

Includes claims that affected pricing.

DUI/DWI within 5 years

Credit tier (if used in your market)

Risk tolerance

Impacts suggested deductibles.

Net worth ($)

Used for liability recommendation.

Annual income ($)

Emergency fund ($)

Helps tailor deductible guidance.

Bodily Injury liability (per person / accident)

Property Damage liability

Uninsured/Underinsured Motorist

Medical Payments / PIP limit