Insurance calculators
Built for the United States: US rates, state rules, and federal programs like Medicare. Every figure traces to a published source, see our methodology for details.
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Auto & Driving
SR-22, FR-44, state minimums, and other driving-record and liability tools.
Named Driver vs. Occasional Driver Calculator
Understand the coverage risk difference between a listed, excluded, and undisclosed driver.
SR-22 Insurance Cost Calculator
Estimate what an SR-22 filing adds to your auto insurance, by state.
FR-44 Insurance Cost Calculator
See the higher liability minimums and added cost an FR-44 filing brings in FL or VA.
No-Fault State Insurance Cost Calculator
Check your state's PIP requirement and what no-fault coverage typically costs.
State Minimum Liability Requirement Checker
Look up your state's minimum liability limits and what raising them typically costs.
Uninsured/Underinsured Motorist Coverage Calculator
See whether your state requires uninsured/underinsured motorist coverage, and what it costs.
High-Risk Driver Pool Cost Estimator
Estimate the cost of assigned-risk auto coverage if standard insurers won't cover you.
Boat Insurance Cost Calculator
Estimate boat insurance cost by state and boat value, using Progressive's published pricing data.
Motorcycle Insurance Cost Calculator
Estimate motorcycle insurance cost by state, rider age, coverage type, and bike type, using MoneyGeek pricing data.
State Auto Insurance Minimums Comparison Table
Browse and sort all 50 states side by side, liability, no-fault/PIP, UM/UIM, and FAIR Plan, instead of looking up one state at a time.
Lapse Cost by State Calculator
See how much a coverage lapse raises your auto rate in your state, and where it is banned outright.
Rideshare Driver Insurance Gap Calculator
See what it costs to close the Uber/Lyft Period 1 coverage gap, and when you need a commercial policy instead.
Non-Owner Car Insurance Calculator
Estimate non-owner car insurance cost by state, driving record, and liability limit.
SR-22 vs. Non-Owner SR-22 Cost Comparison Calculator
Compare filing an SR-22 on an owned-vehicle policy versus a non-owner SR-22 policy.
Teen Driver Insurance Calculator
Compare adding a teen to your policy versus a standalone policy, by state, age, and gender.
Auto Insurance Cost by Age and Driving Record Calculator
Estimate your annual premium based on your age and driving record, using national average rate data.
Car Insurance Cost Calculator
Estimate your car insurance cost by state, coverage level, and vehicle type.
Insurance Cost by Credit Score Calculator
See how your credit tier affects auto or home insurance premiums, and whether your state bans the practice.
Health & Medicare
COBRA, Medicare enrollment penalties, and health plan waiting periods.
Insurance Waiting Period Calculator
Check how long you'll wait before a new health or dental plan actually covers a claim.
COBRA Insurance Cost Calculator
Calculate your exact COBRA premium under the federal 102% rule after leaving a job.
Medicare Part B Late Enrollment Penalty Calculator
See your lifetime Part B late enrollment penalty based on months without coverage.
Medicare Part D Late Enrollment Penalty Calculator
See your monthly Part D late enrollment penalty based on months without creditable coverage.
Medigap Plan Comparison Calculator
Compare estimated Medicare Supplement Plan G, Plan N, and Plan F costs, with the Plan F eligibility cutoff flagged.
HSA Tax Savings Calculator
See your federal tax savings from an HSA contribution, based on current IRS limits and your tax bracket.
Short-Term Health Insurance Calculator
Estimate short-term health insurance cost for gap coverage between jobs, and check whether it is legal in your state.
ACA Premium Tax Credit Estimator
Estimate your 2026 ACA marketplace premium tax credit with the real federal formula, based on income, household size, state, and age.
ACA Subsidy Cliff Calculator
Check how close your income is to the 2026 400% FPL subsidy cliff, and whether your state (CA, NY, MA, WA) softens it.
Home
FAIR Plan and other home-coverage cost tools.
State FAIR Plan Home Insurance Cost Estimator
Check if your state has a FAIR Plan and what it typically costs versus standard coverage.
Renters Insurance Cost Calculator
Estimate your renters insurance premium by state, property coverage, and liability limit.
Flood Insurance Cost Calculator
Estimate NFIP flood insurance premiums by state, FEMA flood zone, and coverage amount.
Home Business Insurance Rider Calculator
Estimate the cost of a home business rider versus needing a full Business Owners Policy.
Home Insurance Premium Estimator
Estimate a standard HO-3 homeowners premium by state, dwelling coverage, construction type, and roof age.
Earthquake Insurance Cost Calculator
Estimate CEA earthquake insurance cost in CA, WA, or OR by dwelling coverage and percentage deductible.
Hurricane Deductible Calculator
Turn your percentage hurricane or named-storm deductible into an actual dollar amount.
Wildfire Insurance Availability and Cost Estimator
Check how wildfire risk affects home insurance availability and cost, by state and risk tier.
VA Funding Fee vs. PMI Calculator
Compare the one-time VA loan funding fee against total PMI paid until automatic cancellation.
General & Any Policy
Deductibles, bundling, claims, lapses, and umbrella coverage, across any policy type.
Deductible vs. Premium Tradeoff Calculator
See how raising or lowering your deductible changes your premium and total cost of risk.
Insurance Grace Period Calculator
Find out exactly how many days you have to pay a missed premium before coverage lapses.
Multi-Policy Bundling Discount Estimator
Estimate how much bundling home, auto, or renters with one insurer could save you.
Insurance Claim Payout Timeline Estimator
See a realistic timeline for how long your auto, home, or life claim could take to pay out.
Insurance Lapse Reinstatement Cost Calculator
Calculate how much a lapsed policy will cost to reinstate, based on how long it's been.
Umbrella Insurance Need Calculator
Find out how much umbrella liability coverage your assets and income actually need.
Wedding Insurance Cost Calculator
Estimate wedding insurance cost by your budget, with liability coverage as an optional add-on.
Identity Theft Insurance Value Calculator
Find out whether identity theft insurance is actually worth buying, and what it does and does not cover.
Travel Insurance Cost Estimator
Estimate travel insurance cost by trip cost, age, and destination, using marketplace pricing data.
Pet Insurance Cost Estimator
Estimate your dog or cat's monthly premium by breed, age, and state.
Best Insurance for Your Life Stage Finder
Find which insurance calculators actually matter for your life stage: new parent, first-time homebuyer, newlywed, retiree, new driver, or small business owner.
Life & Income Protection
Term life needs and income-protection tools for you and your family.
Term Life Insurance Needs Calculator
Calculate how much term life insurance you need using the DIME method, plus a premium estimate by age and health.
Short-Term Disability Insurance Calculator
See your weekly/monthly short-term disability benefit and typical premium cost based on your income, benefit percentage, and benefit period.
Whole Life vs. Term Life Insurance Cost Calculator
Compare the actual cost of whole life vs. term life insurance for the same coverage, age, and health class, plus the cash-value tradeoff.
Long-Term Care Insurance Cost Calculator
Estimate long-term care insurance premiums by age, gender, marital status, and daily benefit amount.
Medicaid Spend-Down Calculator for Long-Term Care
Estimate how much of your countable assets you would need to spend down to qualify for Medicaid long-term care, including spousal protections.
Business
Liability, workers comp, and other tools for insuring a small business.