Auto Insurance Calculator
Estimate auto insurance costs and coverage options
$
Range: 0 - 30
Range: 0 - 100000
Range: 16 - 100
Range: 0 - 5
Range: 0 - 5
Monthly Premium
$100.00
Estimated
6-Month Premium
$600.00
Common billing
Annual Premium
$1,200.00
Pay annually to save
Standard Coverage Details
| Liability (BI/PD) | 100/300/100 |
| Collision Deductible | $500.00 |
| Comprehensive Deductible | $500.00 |
| Medical Payments | $5,000.00 |
| Uninsured Motorist | 100/300 |
Coverage Recommendations
Collision Coverage
Recommended - vehicle value ($25,000.00) exceeds 10x deductible
Comprehensive Coverage
Recommended - protects against theft, weather, animals
Compare Coverage Levels
| Feature | Minimum | Standard | Premium |
|---|---|---|---|
| Liability | 25/50/25 | 100/300/100 | 250/500/250 |
| Deductibles | $1,000 | $500 | $250 |
| Medical | None | $5,000 | $10,000 |
| Est. Annual Cost | $720.00 | $1,200.00 | $1,680.00 |
Ways to Lower Your Premium
- Bundle policies: Combine auto with home/renters for 10-25% discount
- Increase deductible: Higher deductible = lower premium
- Good driver discount: Clean record for 3-5 years
- Low mileage: Drive less than 7,500 miles/year
- Safety features: Anti-theft, airbags, backup cameras
- Good credit: Many states allow credit-based pricing
- Pay in full: Avoid monthly payment fees
Understanding Liability Limits
Liability limits shown as 100/300/100 mean: $100,000 per person bodily injury, $300,000 total bodily injury per accident, $100,000 property damage per accident. Experts recommend at least 100/300/100 to protect your assets.
Calculator Assumptions
- Estimates only: Uses simplified rating model; actual premiums vary significantly by insurer
- Location: State, city, and ZIP code significantly affect rates (not modeled)
- Credit score: Most states allow credit-based pricing (not modeled)
- Driving history: Only recent 3-year history considered; some states use 5+ years
- Discounts: Multi-policy, good student, defensive driving, and other discounts not included
- Vehicle specifics: Make, model, safety ratings, and theft rates affect actual premiums