Free Insurance Calculators

160 tools

Estimate your insurance needs with calculators for deductible break-even, coverage gaps, life insurance requirements, and more.

Auto

28 calculators

Auto insurance premium and coverage calculators.

Auto Insurance Premium Estimator

Estimate your annual auto insurance premium based on key rating factors like age, driving record, vehicle value, and coverage level.

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Classic Car Insurance Cost Calculator

Calculate classic or antique car insurance costs. Compare agreed-value vs stated-value policies and see how limited mileage affects your premium.

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DUI Insurance Impact Calculator

Calculate the total insurance cost of a DUI conviction. See premium increases, SR-22 costs, and the full multi-year financial impact.

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Fleet Insurance Cost Calculator

Calculate fleet auto insurance costs for multiple business vehicles. Estimate per-vehicle and total fleet premiums with volume discounts.

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Gap Insurance Need Calculator

Determine if you need gap insurance by comparing your auto loan balance to your vehicle's current market value. See the coverage gap.

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Good Student Discount Calculator

Calculate how much a good student discount saves on teen or young driver auto insurance. See the annual savings for maintaining a B average.

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Multi-Car Discount Calculator

Calculate savings from insuring multiple vehicles on one policy. See the per-vehicle and total multi-car discount on your auto insurance.

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Rental Reimbursement Value Calculator

Calculate whether rental reimbursement coverage is worth the cost. Compare premium cost vs potential rental car expenses after an accident.

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Rideshare Insurance Cost Calculator

Calculate additional insurance costs for Uber and Lyft drivers. See the gap in coverage and estimate rideshare policy or endorsement costs.

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SR-22 Filing Total Cost Calculator

Calculate the total cost of SR-22 insurance filing including filing fees, premium increases, and the full multi-year financial obligation.

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Home

25 calculators

Homeowners and property insurance tools.

Builder's Risk Insurance Calculator

Estimate builder's risk insurance costs for new construction or major renovations. Calculate premiums based on project value, duration, and construction type.

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Dwelling Replacement Cost Calculator

Calculate your home's dwelling replacement cost for insurance based on square footage, construction quality, local building costs, and special features.

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Earthquake Insurance Cost Calculator

Estimate earthquake insurance premiums based on home value, location, soil type, foundation, and deductible. Compare costs for seismic coverage options.

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Home Business Rider Calculator

Calculate the cost and coverage needs for a home business endorsement on your homeowners policy. Protect business equipment and liability from home.

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Home Insurance Cost by State Comparison

Compare average homeowners insurance costs across all 50 U.S. states. See how your state ranks and understand the factors driving regional premium differences.

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Home Inventory Value Calculator

Calculate the total value of your home belongings by room. Build a comprehensive home inventory for insurance coverage and claims documentation.

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Home Liability Coverage Calculator

Determine the right liability coverage amount for your homeowners insurance based on assets, income, risk factors, and family situation.

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Mold Coverage Gap Calculator

Calculate potential mold remediation costs and identify coverage gaps in your homeowners policy. Estimate mold removal expenses vs. insurance sub-limits.

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Personal Property Coverage Calculator

Calculate the right personal property coverage for your homeowners insurance. Estimate total belongings value by room and category for proper coverage.

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Roof Age Impact on Premium Calculator

Calculate how your roof's age affects homeowners insurance premiums. See the cost difference between new and aging roofs and when replacement saves money.

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Sinkhole Insurance Cost Estimator

Estimate sinkhole insurance costs and coverage needs based on property value, location risk, and deductible. Learn about catastrophic ground cover collapse.

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Umbrella Policy Cost Calculator

Estimate the cost of an umbrella insurance policy based on coverage amount, underlying policies, assets, and risk factors. See how much extra protection costs.

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Umbrella Policy Need Calculator

Determine if you need an umbrella insurance policy and how much coverage is right. Assess your risk exposure based on assets, income, and risk factors.

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Vacant Property Insurance Calculator

Estimate insurance costs for a vacant or unoccupied property. Compare standard vs. vacant property policy premiums and understand coverage differences.

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Water Backup Coverage Value Calculator

Calculate the value of water backup and sump pump overflow coverage. Estimate potential damage costs and compare to endorsement premiums for your policy.

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Life

19 calculators

Life insurance need and cost calculators.

Child Life Insurance Value Calculator

Evaluate whether child life insurance is worth the cost by comparing premiums, cash value growth, and guaranteed insurability benefits.

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Survivor Income Need Calculator

Calculate how much income your surviving family members would need annually, factoring in expenses, survivor income, and Social Security.

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Variable Life Insurance Calculator

Project variable life insurance cash value under optimistic, moderate, and pessimistic investment scenarios and COI charges.

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Health

25 calculators

Health insurance premium, deductible, and coverage calculators.

ACA Premium Tax Credit Calculator

Estimate your Affordable Care Act marketplace premium tax credit (subsidy) based on household income, size, and benchmark plan cost.

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COBRA vs Marketplace Cost Calculator

Compare COBRA continuation coverage costs with ACA marketplace plans to decide which is the most affordable option after leaving a job.

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Coinsurance Cost Calculator

Calculate your coinsurance share of medical bills after meeting your deductible. See exactly how much you pay vs what insurance covers.

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Copay vs Coinsurance Calculator

Compare annual costs of copay-based vs coinsurance-based health plans. See which cost-sharing model saves more based on your usage.

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FSA Use-It-or-Lose-It Calculator

Calculate how much FSA money you risk forfeiting if unspent by year-end. Plan spending to avoid losing your pre-tax healthcare dollars.

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Health Coverage Gap Cost Calculator

Estimate the financial risk and potential cost of going without health insurance during a coverage gap between jobs or plans.

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Health Deductible vs Premium Calculator

Compare high-deductible and low-deductible health plans to find your break-even point based on expected medical usage and total annual costs.

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HRA Balance and Benefit Calculator

Track your HRA balance, estimate reimbursements, and calculate the total value of your employer-funded Health Reimbursement Arrangement.

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Medicaid Eligibility Estimator

Estimate whether your household qualifies for Medicaid based on income, household size, and Federal Poverty Level guidelines.

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Medicare Advantage Value Calculator

Compare Medicare Advantage (Part C) with Original Medicare plus Medigap to find which coverage approach gives you the best value.

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Medicare Part D Cost Estimator

Estimate Medicare Part D prescription drug costs by coverage stage: deductible, initial coverage, coverage gap, and catastrophic coverage.

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Medigap Plan Comparison Calculator

Compare Medigap (Medicare Supplement) plans F, G, and N side by side. Estimate annual costs based on premiums, deductibles, and expected usage.

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Out-of-Pocket Maximum Calculator

Track your progress toward your health insurance out-of-pocket maximum. See how much more you could owe this year before full coverage kicks in.

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Telemedicine Savings Calculator

Calculate how much you save by using telemedicine visits instead of in-person doctor visits, urgent care, or emergency room visits.

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Dental

3 calculators

Dental insurance plan value and procedure cost calculators.

Dental Plan Value Calculator

Compare DHMO vs DPPO dental plans based on your expected procedures. See which dental plan delivers the best value for your needs.

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Dental Procedure Cost Estimator

Estimate out-of-pocket costs for common dental procedures based on your insurance coverage, deductible status, and plan annual maximum.

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Vision

2 calculators

Vision insurance plan value and LASIK cost calculators.

LASIK vs Contacts Cost Calculator

Compare the long-term cost of LASIK eye surgery versus continuing to buy contact lenses and solution. Find your break-even year.

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Vision Plan Value Calculator

Calculate whether your vision insurance plan is worth the premium based on your expected eye exams, glasses, and contact lens purchases.

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HSA

2 calculators

Health Savings Account contribution and growth calculators.

HSA Contribution Maximum Calculator

Calculate your maximum HSA contribution for the year based on coverage type, age, employer contributions, and mid-year eligibility changes.

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HSA Growth Projector Calculator

Project your Health Savings Account balance over time with annual contributions, investment growth, and medical withdrawals factored in.

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Motorcycle

1 calculator

Motorcycle insurance cost calculators.

Motorcycle Insurance Cost Calculator

Calculate estimated motorcycle insurance costs based on bike type, engine size, rider experience, and coverage level. See annual and monthly premium estimates.

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Recreational

5 calculators

Boat, ATV, RV, and recreational vehicle insurance calculators.

ATV/UTV Insurance Cost Calculator

Calculate insurance costs for ATVs, UTVs, and side-by-sides. Estimate your premium based on vehicle type, value, usage, and coverage level.

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Boat Insurance Cost Calculator

Calculate estimated boat insurance costs based on boat type, value, horsepower, and usage. See annual premiums for various watercraft.

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Golf Cart Insurance Cost Calculator

Calculate golf cart insurance costs for on-course, neighborhood, and street-legal use. See annual premiums based on cart type and coverage level.

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RV Insurance Cost Calculator

Calculate recreational vehicle insurance costs based on RV type, value, and usage. Compare motorhome, travel trailer, and camper van insurance rates.

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Snowmobile Insurance Cost Calculator

Calculate snowmobile insurance costs based on sled type, value, and usage. Estimate your seasonal premium for trail riding or performance sleds.

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Renters

2 calculators

Renters insurance cost and personal property calculators.

Renters Insurance Cost Calculator

Estimate your renters insurance premium based on coverage amount, deductible, location, and add-ons. Compare costs for personal property and liability coverage.

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Renters Personal Property Calculator

Calculate the total value of your personal belongings as a renter. Build an inventory to determine the right renters insurance coverage amount.

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Condo

2 calculators

Condo insurance (HO-6) and master policy gap calculators.

Condo Insurance (HO-6) Calculator

Estimate your HO-6 condo insurance premium based on unit value, personal property, improvements, and liability needs. Covers walls-in and contents coverage.

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Condo Master Policy Gap Analyzer

Identify coverage gaps between your condo association's master policy and your HO-6 policy. Calculate how much additional coverage you need for your unit.

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Landlord

3 calculators

Landlord insurance, liability, and loss of rent calculators.

Landlord Insurance (DP-3) Calculator

Estimate landlord insurance (DP-3) premiums for rental properties based on property value, rental income, coverage options, and deductible selection.

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Landlord Liability Coverage Calculator

Calculate the right liability coverage amount for your rental property. Assess risk based on property type, tenant count, features, and net worth.

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Loss of Rent Coverage Calculator

Calculate how much loss of rent coverage you need as a landlord. Estimate the rental income you could lose during repairs after a covered loss.

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Disability

9 calculators

Short-term and long-term disability insurance calculators.

Disability Income Need Calculator

Calculate your disability income gap by comparing current income against potential disability benefits from employer, Social Security, and savings.

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Long-Term Care

4 calculators

Long-term care insurance cost and need calculators.

Long-Term Care Annual Cost Calculator

Estimate long-term care costs by facility type — nursing home, assisted living, home health aide, or adult day care — with inflation projections.

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Self-Insuring for Long-Term Care Calculator

Calculate how much you need to save to self-insure long-term care costs, with investment growth projections and comparison to LTC insurance premiums.

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Business

15 calculators

Commercial property, workers comp, and business insurance calculators.

Fidelity Bond Cost Calculator

Estimate fidelity bond (employee dishonesty) premiums based on coverage amount, number of employees, industry, and risk controls in place.

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Franchise Insurance Cost Calculator

Estimate total franchise insurance costs including GL, property, workers comp, and umbrella based on franchise type and requirements.

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Inland Marine Insurance Calculator

Estimate inland marine insurance premiums for equipment, tools, and goods in transit based on total value, equipment type, and transit risk.

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Surety Bond Cost Calculator

Estimate surety bond premiums for performance, bid, payment, and license bonds based on bond amount, bond type, and credit/financials.

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Workers Comp Payroll Audit Estimator

Estimate your workers compensation audit adjustment by comparing estimated vs actual payroll, class rates, and EMR to predict audit results.

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Liability

5 calculators

Professional, cyber, and general liability insurance calculators.

Cyber Liability Insurance Calculator

Estimate cyber liability insurance premiums based on number of data records, industry risk, annual revenue, and security posture score.

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Specialty

10 calculators

Event, travel, pet, crop, and title insurance calculators.

Crop Insurance Cost Calculator

Estimate crop insurance premiums with USDA subsidy for revenue and yield protection based on acres, crop type, coverage level, and county.

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Event Insurance Cost Calculator

Estimate event insurance costs for conferences, festivals, galas, and corporate events based on attendance, type, and coverage needs.

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Livestock Insurance Cost Calculator

Estimate livestock insurance costs for cattle, hogs, poultry, and sheep based on head count, value per head, coverage type, and risk factors.

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Pet Insurance Cost Calculator

Estimate monthly pet insurance costs for dogs and cats based on breed, age, coverage level, deductible, and reimbursement percentage.

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Title Insurance Cost Calculator

Estimate owner's and lender's title insurance premiums based on property purchase price, loan amount, state, and policy type.

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Travel Insurance Cost Calculator

Estimate travel insurance costs with trip cancellation, medical, and CFAR coverage based on trip cost, age, destination, and duration.

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Wedding Insurance Cost Calculator

Estimate wedding insurance costs for liability and cancellation coverage based on guest count, budget, venue type, and coverage level.

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