Auto Insurance Rate Estimator
Compare monthly premium estimates across coverage tiers using driver, vehicle, and location factors. Not a quote.
Drivers & location
Drivers
Vehicles & coverage
Limits & coverages
Discounts
Selected tier
Monthly premium
$86
Liability
$57
Collision
$22
Comprehensive
$9
Fees
$8
Discounts
$-14
Compare tiers
Monthly premium by tier
Visualize how coverage tiers shift your estimated premium.
| Tier | Est. monthly |
|---|---|
| Minimum | $46 |
| Standard | $86 |
| Full | $106 |
source: calestimator.com/auto-insurance-calculator
Educational estimate only — not a quote or offer.
Summary
Coverage snapshot
- BI: $25,000 / $50,000
- Property damage: $25,000
- UM/UIM: $25,000 / $50,000
- MedPay: $0
Email my calculations
Receive a printable breakdown (PDF) to revisit your calculations later.
How to use the Auto Insurance Calculator
Estimate premiums by combining your vehicle details, driving history, and desired coverage levels to benchmark quotes from different carriers.
- Choose the coverage package—liability only, full coverage, or custom limits—to anchor the quote.
- Enter vehicle age, usage, and garaging location to capture rating factors that insurers consider.
- Add tickets, claims, or discounts (multi-car, safe driver, telematics) to see how they change the premium.
- Compare the annual cost against your budget and coverage priorities.
Auto Insurance Calculator key terms
Knowing how each field influences the results keeps the math grounded in reality.
Bodily injury limit
Maximum insurer payout per person and per accident for injuries you cause. Higher limits increase premiums but shield assets.
Comprehensive and collision
Physical damage coverage for your vehicle. Deductible choices directly impact the estimated premium.
Rating factors
Variables such as credit tier, garaging ZIP code, mileage, and prior claims that insurers use to price risk.
Auto Insurance Calculator planning ideas
Try running a few “what if” scenarios to translate the numbers into real-world decisions.
Dial in deductibles
Test $250, $500, and $1,000 deductibles to find the sweet spot between premium savings and out-of-pocket risk.
Add a teen driver
Update the driver profile to see how newly licensed family members affect the household premium and whether telematics discounts offset the bump.
Vehicle upgrade planning
Enter the specs of a new car you are considering so insurance costs are baked into the total cost of ownership.
Frequently asked questions
Why is my modeled rate different from a carrier quote?
Insurers use proprietary scoring models and may verify credit, prior insurance, or telematics data. Use the calculator to benchmark trends, then refine once you have official underwriting results.
How often should I compare insurance costs?
Shop your policy at renewal or any time you move, change vehicles, or add drivers. Refreshing the calculator keeps you aware of market shifts before increases show up on a bill.