Build a quote by choosing coverages and limits. Adjust deductibles, mileage, and vehicle value easily. Review totals, savings options, then download reports instantly now.
Estimate vehicle coverage costs using flexible quote inputs. Compare deductibles, limits, and driver risk factors quickly. See premium breakdowns and export results for planning today.
| Scenario | Vehicle | Limits | Deductibles | Driver | Other | Expected annual |
|---|---|---|---|---|---|---|
| Budget commuter | $18,000, 2017 sedan | 50/100/50 | $1,000 / $1,000 | 25–39, 5–10 yrs | 12,000 miles, average risk | $980–$1,380 |
| Family SUV | $32,000, 2021 SUV | 100/300/100 | $500 / $500 | 40–64, 10+ yrs | 10,000 miles, low risk | $1,050–$1,650 |
| High-risk profile | $28,000, 2019 truck | 100/300/100 | $500 / $500 | 16–24, 2–4 yrs | 18,000 miles, high risk | $2,200–$3,700 |
The calculator estimates annual premium by pricing each coverage, applying risk multipliers, then applying discounts and payment plan fees.
| Base subtotal | Liability + Collision + Comprehensive + UM + Medical/PIP + Add-ons |
| Risk multiplier | DriverAge × LicensedYears × Claims × Violations × DUI × Mileage × Usage × Location × Credit |
| Premium before discounts | Base subtotal × Risk multiplier |
| Discount cap | Total discounts are capped at 25% for stability. |
| Final premium | PremiumAfterDiscount × (1 + PaymentPlanFee) |
Note: This is an educational estimator. Insurers use additional rating variables and filings that vary by state and carrier.
The estimate begins with a liability block starting at $240 and scaling with chosen limits. Collision and comprehensive are value‑based: collision uses about 1.2% of vehicle value and comprehensive uses about 0.7%, then both adjust for vehicle type, age, and deductibles. Optional uninsured motorist, medical payments, and PIP add fixed blocks, plus add‑ons like roadside ($18), rental ($35), and glass ($12).
All blocks are multiplied by a risk multiplier from driver age, years licensed, claims, violations, DUI flag, mileage, usage, location risk, and credit tier. For stability, the multiplier is clamped between 0.55× and 4.25×. Example: moving from 12,000 to 18,000 miles increases the mileage factor from 1.00 to 1.10, while one claim adds roughly 10% through the claims factor.
Limits mainly affect the liability portion, while deductibles mainly affect collision and comprehensive. Lower deductibles cost more because the deductible factor is higher; for example $250 uses 1.18, $500 uses 1.00, and $1,000 uses 0.85. The sensitivity chart recalculates annual premium across common deductibles while holding other inputs constant, helping you balance premium savings against expected out‑of‑pocket exposure.
Discounts apply after the risk‑adjusted subtotal. Anti‑theft (5%), safety features (3%), multi‑policy (7%), and usage‑based programs (10%) can stack, but total discounts are capped at 25%. Payment plans then add a fee: monthly adds 5%, quarterly 2%, and semiannual 1%, while annual has no fee. Use these levers to compare equal coverage with different billing styles.
Use the breakdown table to see where dollars concentrate. If collision dominates, changing deductibles or vehicle value assumptions moves the quote most. If liability dominates, recheck limits and consider higher protection for modest extra cost. Export CSV or PDF when comparing scenarios and record what changed. Run at least three scenarios: higher limits, higher deductibles, and fewer add-ons today. This estimator supports planning, so treat results as directional and revisit after major changes.
No. It is an educational estimate to compare scenarios. Real premiums depend on carrier filings, state rules, underwriting, and additional variables like garaging ZIP, driver record details, and vehicle trim.
Lower deductibles mean the insurer pays sooner after a loss, so collision and comprehensive prices rise. Higher deductibles usually reduce premium but increase your share of repair costs during a claim.
It combines factors for age, experience, mileage, usage, location risk, credit tier, and driving history. The model clamps the multiplier between 0.55× and 4.25× to keep outputs stable for comparisons.
Discount percentages reduce the risk-adjusted subtotal after coverages are priced. The calculator stacks anti-theft, safety, multi-policy, and usage-based options, but caps total discounts at 25% to avoid unrealistic results.
Yes. The results show an annual premium and an estimated monthly amount. If you choose a monthly plan, a 5% fee is added to reflect installment billing costs.
Vehicle value, vehicle type, vehicle age, deductibles, location risk, and claim history have the largest impact. Turning these coverages off drops premium sharply, but it also removes protection for your own vehicle.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.