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Auto insurance coverage calculator

Choosing the right coverage

Getting the right level of car insurance is not one size fits all. What is most important to one consumer isn’t necessary for another.

That’s why it’s critical to get the car insurance that fits your needs.

Insurance.com’s Car Insurance Coverage Calculator is a quick way to find the right car insurance levels and options for you. While getting the cheapest car insurance is most important for some consumers, another person may want the broadest possible protection. Our calculator understands that personalization is vital when deciding on the best car insurance coverage for your situation.

The calculator includes a short questionnaire that asks you questions about:

  • Your zip code
  • Net worth
  • Age of your vehicle
  • Deductible level
  • Whether you own, lease or finance your vehicle
  • If cheapest car insurance or best protection is most important to you

After completing the questions, the calculator will tell you the right level of insurance for you. You’ll also know whether you are paying for unneeded car insurance coverage or if you don’t have the right level of insurance to protect you and your family’s finances.

How much car insurance do I need?

The calculator recommends the right level of car insurance coverage for you based on your answers. This coverage can include:

  • Bodily injury liability
  • Property damage liability
  • Uninsured/Underinsured motorist bodily injury
  • Umbrella liability policy
  • Comprehensive and collision
  • Personal injury protection
  • Gap insurance

We’ll also give you an option to compare car insurance rates from top car insurance companies side-by-side. You can then purchase the policy directly from Insurance.com, proceed to an insurance carrier’s website or speak to a licensed insurance agent over the phone. 

Car Insurance Coverage Calculator

Not all car insurance coverage is the same. Many people overpay for coverages they don’t need, while others don’t have enough coverage but don’t know until it’s too late. This tool will help you decide what coverage options you need. It will make shopping around for the best insurance rates a lot easier, and it takes less than one minute!

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