Quote inputs
Fill the form to estimate monthly and annual premiums across three coverage tiers.
Example data table
Sample scenarios showing how inputs can shift estimates.
| Scenario | Driver | Vehicle | Coverage | Est. Monthly | Est. Annual |
|---|---|---|---|---|---|
| Urban commuter | Age 28, 10 yrs licensed, 1 ticket | $22,000 sedan, 12,000 miles | Standard, 100/300/100, $500 deductibles | $165.00 | $1,980.00 |
| Low-mileage garage | Age 45, 25 yrs licensed, clean | $18,000 SUV, 6,000 miles | Standard, 100/300/100, $1,000 deductibles | $112.00 | $1,344.00 |
| Young driver | Age 19, 2 yrs licensed, 1 claim | $16,000 sedan, 14,000 miles | Enhanced, 250/500/250, $500 deductibles | $265.00 | $3,180.00 |
Formula used
This estimator uses a transparent factor model to approximate premiums.
Real underwriting uses richer data, local rules, and carrier-specific rating plans.
How to use this calculator
- Enter driver details and recent record information.
- Add vehicle value, type, age, mileage, and use.
- Choose coverage limits, deductibles, and add-ons.
- Select any eligible discounts you expect to qualify for.
- Press Submit to view tiered estimates above the form.
- Download CSV or PDF to share and compare later.
Market factors that move premiums
Auto pricing tracks loss costs and repair inflation. Higher claim frequency in dense areas can lift rates by 10–25% versus low-risk regions. This calculator models that through the Location Risk Level factor (0.92 to 1.28). It also adds a fixed baseline cost ($260) to reflect admin, taxes, and minimum carrier charges. Parts pricing and labor rates can shift these baselines year to year.
Driver profile inputs and what they mean
Age and experience often dominate underwriting. Here, drivers under 21 apply a 1.55 factor, while ages 21–24 apply 1.25. Newly licensed drivers can add 15–35% using the Years Licensed factor. Claims (past 3 years) add 14% each, tickets add 8% each, and a recent DUI adds 45%.
Vehicle economics and repair-cost sensitivity
Vehicle value influences physical damage exposure. The base premium uses 3.2% of market value plus the fixed cost, then adjusts by vehicle type (for example, sports vehicles use 1.25). Mileage is a proxy for time on the road: under 7,000 miles applies 0.92, while above 25,000 miles applies 1.22. Vehicle age is gently scaled from −4% to +10%.
Coverage choices, deductibles, and add-ons
Coverage Package and Liability Limit move the protection level and price. Higher deductibles reduce estimates, while removing collision or comprehensive lowers the physical-damage factor. Deductibles center on $500; raising them to $1,000 typically trims the estimate by a few percent overall. Add-ons are priced as flat annual amounts: roadside $24, rental $42, glass $30, and gap $55. Safety features reduce up to 7.5%, with anti-theft at 3% and telematics at 5%.
How to compare tiers and export results
Use the Basic, Standard, and Premium tiers to compare a conservative option, a balanced baseline, and a higher-protection scenario. Discounts stack but are capped at 18% to keep results realistic. When you submit again, the chart updates so you can spot the biggest drivers quickly. Export CSV for spreadsheets or PDF for sharing, then refine limits and deductibles to fit your budget.
FAQs
Is this an official insurance quote?
No. It provides an educational estimate based on your inputs and a transparent factor model. Actual premiums depend on carrier filings, underwriting, local rules, and verification of driving and vehicle information.
Why does driver age change the estimate so much?
Age is a common loss-risk proxy. The model applies higher factors for younger drivers and modest increases for older drivers to reflect typical claim severity and frequency patterns.
How do deductibles affect the price?
Higher deductibles shift more cost to you during a claim, so the estimate drops. Lower deductibles increase expected insurer payouts, which raises the modeled premium.
What do Basic, Standard, and Premium tiers mean?
They are scenario comparisons built from the same estimate. Basic applies a lower multiplier, Standard uses the base estimate, and Premium applies a higher multiplier to represent stronger protection.
Can discounts stack without limits?
This tool caps stacked discounts at 18% to prevent unrealistic totals. Real carriers also limit combinations and require eligibility checks before applying discounts.
What should I do after exporting CSV or PDF?
Save multiple scenarios, then compare limits and deductibles side by side. Share the PDF with an agent or broker, and use the CSV to model annual budget impacts.