Methodology

Last reviewed: 25 October 2026. All calculations run in your browser. No data is sent to any server.

Home insurance calculator

Base rate: frame = 0.35% of homeValue; masonry = 0.25% of homeValue. Age factor: new = 0.85×, mid = 1.0×, older = 1.15×, old = 1.30×. Location factor: low = 0.80×, medium = 1.10×, high = 1.50×. Deductible factor: $500 = 1.10×, $1,000 = 1.00×, $2,500 = 0.88×, $5,000 = 0.78×. Annual premium mid = homeValue × baseRate × ageFactor × locationFactor × deductibleFactor. Low = mid × 0.80; High = mid × 1.30. Monthly = annualMid ÷ 12. Cost per $1,000 = annualMid ÷ (homeValue ÷ 1000).

Life insurance calculator

Base rate tables (per $1,000 of coverage per year): Excellent health: 18–25 = $0.80, 26–35 = $1.20, 36–45 = $2.00, 46–55 = $3.80, 56–65 = $8.00, 66–75 = $17.00. Good health: +25%. Fair health: +75%. Smoker multiplier: 2.5×. Term factor: 10yr = 0.85×, 20yr = 1.00×, 30yr = 1.20×. Annual premium = (coverageAmount ÷ 1000) × baseRate × healthFactor × smokerFactor × termFactor. Monthly = annual ÷ 12. Total = annual × termYears.

Car insurance calculator

Base annual = $1,200. Age factor: teen = 3.0×, young = 1.8×, adult = 1.0×, senior = 1.2×. Record factor: clean = 1.0×, one_violation = 1.30×, two_plus = 2.10×. Coverage factor: liability = 0.6×, full = 1.0×. Full coverage adds vehicleValue × 0.008 collision/comp component. Miles factor: <7,500 = 0.90×, 7,500–15,000 = 1.0×, 15,000–25,000 = 1.10×, >25,000 = 1.20×. Annual premium mid = (base × ageFactor × recordFactor × coverageFactor × milesFactor) + collisionComp. Low = mid × 0.80; High = mid × 1.35.

Deductible tradeoff calculator

Annual premium savings = currentAnnualPremium − newAnnualPremium. Break-even years = (newDeductible − currentDeductible) ÷ savings. Break-even claim rate = savings ÷ deductible increase (claims/year at which expected cost evens out). Sources: IIHS-HLDI collision claim frequency (~0.02–0.06/yr) and state DOI / NAIC premium–deductible filings; as of 2026-10-25.

Renters insurance calculator

Rate per $1,000 of property coverage: low tier = $4.50, medium = $5.50, high = $7.50. Deductible factor: $250 = 1.08×, $500 = 1.00×, $1,000 = 0.92×. Liability factor: $100k = 1.00×, $300k = 1.12×, $500k = 1.20×. Annual mid = (inventoryTotal ÷ 1000) × rate × deductibleFactor × liabilityFactor. Low = ×0.85; High = ×1.35. Source: NAIC renters consumer resource + state DOI published ranges; as of 2026-10-25.

Gap insurance calculator

Gap = max(0, loanBalance − vehicleValue). Net uncovered loss = max(0, gap − collisionDeductible). Months to equity = gap ÷ monthlyPrincipalPaydown. Verdict: net loss ≥ $1,000 = recommend; small positive exposure = consider; zero gap = skip. Source bands: standalone rider ≈ $20–$45/yr; dealer/rolled-in ≈ $400–$700 (state DOI consumer guides / NAIC), as of 2026-10-25.

SR-22 cost estimator

Filing fee band = $15–$100 per filing event (state-set; no per-state table published until each state's fee schedule is verified). Surcharge = 20% (low) – 60% (high) of the clean-record base premium. Lapsed filing multiplies the surcharge band by 1.25× and adds a $75–$300 reinstatement band. Sources: state DMV/DOI fee schedules and NAIC Auto Insurance Database Report; as of 2026-10-25.

Umbrella policy calculator

Exposure = netAssets + annualIncome × incomeYearsToProtect + annualIncome × 5 (margin). Primary cap = max(auto liability, home liability). Gap = max(0, exposure − primary cap). Recommended band = gap rounded up to $1M increments (low), gap × 1.5 rounded up (buffer). Sources: NAIC / state DOI consumer guides (umbrella in $1M increments); as of 2026-10-25.

Health plan OOP comparison

Total cost = annual premium + min(expected medical spend, out-of-pocket max). Scenarios: low use (spend 0), expected use (your input), catastrophic (spend = OOP max). Crossover spending level = pLow + cLow − pHigh, only when it falls between the two caps; otherwise one plan dominates. Source: Healthcare.gov out-of-pocket-maximum definition; as of 2026-10-25.

Disclaimer

Results are estimates based on industry-average rate factors. They are provided for educational purposes only and are not insurance advice. Actual premiums depend on your specific insurer, location, credit score, claims history, and coverage details. Always get quotes from licensed insurers.