Car insurance coverage calculator

Using a car insurance coverage calculator is the easy way to make sure you’re buying the right auto insurance coverage at the best price.
Please enter valid zip code
Let's start saving your money
help_iconWhy do we ask? If you can afford to replace your car, and you want the lowest rates possible, you should not buy collision or comprehensive coverage.
  • Do you own your car?
  • Is your car less than 1 year old ?
  • Have you paid more than 20% of the car’s price?
  • Do you want the lowest possible rates or the best protection?
  • What is your net worth?
  • Do you and your frequent passengers have health insurance?
  • Is your car less than 11 years old?
  • Could you afford to replace your car without the help of insurance?
  • Is your car worth less than $3,000?
  • How much money do you have easy access to if your car is damaged?
Leslie Kasperowicz Written by Leslie Kasperowicz
Executive Editor

Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.

Why you can trust

How to choose car insurance coverage

Choosing the right car insurance coverage starts with understanding what you need and how much it costs. That includes what you can afford to pay both in premiums and out-of-pocket after an accident, and what you have to lose if an accident results in a lawsuit. Auto insurance coverage limits should match your personal risk level, and options like roadside assistance are also based on personal need. You might feel comfortable with a higher deductible, or you might prefer to pay more in premiums to have a low deductible if there's a claim.

Before you buy, it's important to understand the different types of car insurance, what’s required by law and what additional coverage is available. You also need to consider your vehicle and how often you use it. For example, if you work at home your needs are different from someone who runs a daily carpool in the family minivan.

A car insurance coverage calculator can help you find the right auto insurance coverage and estimate rates. While getting the cheapest car insurance rate is important to most people, you don't want to be underinsured. Saving money by cutting coverage can be a lot costlier in the long run. Answering a few quick questions can help you find the best car insurance coverage for your situation and compare car insurance cost for the right coverage levels.

How to calculate car insurance coverage and estimate costs

The car insurance coverage calculator and cost estimator is a short questionnaire. You'll enter:

  • Your ZIP code
  • A few basics about your finances
  • Make, model and year of your vehicle(s)
  • Your chosen deductible
  • Whether you own, lease or finance your vehicle
  • What's most important to you: price or coverage

After answering a few questions, the calculator will provide a car insurance coverage recommendation specifically for you and provide an auto insurance rate estimate. You'll gain insights on coverage you should consider adding for better protection as well as the coverage you could skip to save money.

The calculator shows both the cheapest rates and the plan with the most coverage, so you can compare your options. You might find the additional coverage is more affordable than you think.

How much car insurance do I need?

How much car insurance you need depends on a lot of factors. You need to carry at least the state minimum requirements, but there are other things to consider. State minimums are often very low, so you should consider higher limits. If you have a loan or lease, you’ll have to meet lender requirements. That means you'll need to select the full coverage car insurance calculator option for either a leased or financed car. And then you need to look at your particular needs as well as your budget, which impacts the deductible you select.

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

  • Liability insurance
  • Uninsured/ underinsured motorist coverage
  • Comprehensive and collision
  • Personal injury protection and medical payments
  • Gap insurance
  • Roadside assistance
  • Rental reimbursement

Some of these coverages are required by law, some are required if you have a loan or lease, and others are always optional. Read on for more details on each coverage and the recommended levels.

The coverageBasic policyRecommended coverageBest coverage
Bodily injury/ Property damage liabilityState minimum100/300/100500/250/500 or maximum available
Uninsured/ underinsured motoristState minimum or no coverage*100/300/100 or match liability limits500/250/500 or maximum available
Personal injury protection/ Medical paymentsState minimum or no coverage*Add the option* or increase above state minimumMaximum available
ComprehensiveNoneAdd coverage, $500 deductibleAdd coverage, lowest deductible
CollisionNoneAdd coverage, $500 deductibleAdd coverage, lowest deductible

*where not required by law

*where not required by law

Some of these coverages will be required by law, some are required by a lender, and others are always optional.

What auto insurance coverage is required?

What car insurance coverage are you required to have? Here’s what state laws may require as well as additional loan or lease requirements.

These coverages may be required by state law:

These coverages may be required by state law:

Liability insurance covers damages you cause to others in an accident and is required by law in most states. Bodily injury liability pays for injuries to the other driver or their passengers. Property damage liability pays for damage to another person’s car or other property such as a fence.

Your state will have minimum requirements you must carry for liability, but experts recommend you carry higher limits. 100/300/100 is the commonly recommended limit, well above most state minimums. Higher limits don't usually cost much more but give you a lot more protection. Remember if your limits are exceeded in an accident you're on the hook for any remaining costs -- and medical bills can add up quickly.

Personal injury protection (PIP) and medical payments (MedPay) may both be required if you live in a no-fault state. PIP pays your medical costs regardless of who is at fault. A few tort states also require these coverages.

Uninsured/Underinsured motorist coverage is required in some states as a way to cover damages if the at-fault party was uninsured or underinsured. In most states that don't require it, you can still add the coverage to your policy if you desire. Like liability, there are two types of coverage available: bodily injury and property damage.

These coverages may be required if you have a loan or lease:

Comprehensive and collision coverage both pay for damage to your vehicle. Collision will pay for damage to your car in an accident regardless of fault, including single-vehicle accidents. Comprehensive covers your vehicle for "other than collision" events like theft, fire, and damage from weather events like flooding and hail.

Comprehensive and collision are not required by law in any state. However, if your car is financed or leased, the company will require you to carry both. There is no limit for these coverages; rather, the most your insurer will pay out is the current actual cash value of your vehicle if it is totaled. Both coverages have a deductible, which you can select, and you don’t need to buy both together, although most people do.

Gap insurance is not required by law, but may be required by your loan or lease agreement. It protects you if you owe more than your car is worth. If your car is a total loss and the insurance payout is less than what you owe, gap insurance will pay the difference. It may also be called loan/lease payoff insurance by some companies.

What car insurance coverage is optional?

These coverages are always optional but may fit your needs.

Roadside assistance provides coverage if your car has a flat tire, your battery dies, you lock yourself out or other emergency needs. It will also cover towing your vehicle if it breaks down.

Rental reimbursement coverage will pay for a rental car if you need one while your car is being repaired during a covered claim. If you don’t own a second car, this is good coverage to have.

Rideshare coverage is an add-on you may need if you drive for a rideshare company like Uber or Lyft. It will cover the gap between the rideshare company’s coverage and your personal coverage.

If you want more liability coverage that what your auto and homeowners insurance provide, you can purchase umbrella insurance. This is not a type of car insurance coverage but is a separate policy. Umbrella insurance kicks in when your home or auto liability limits are exceeded. Umbrella policies typically start at one million dollars of coverage and go up from there, and are generally recommended to those with a lot of assets to protect.

As you go through the car insurance calculator you’ll get personalized recommendations for your auto insurance coverage based on your answers.

Car insurance cost estimator

After determining the best car insurance coverages for your needs, it's time to shop around to find the best price. Insurance companies' rates will vary depending on what coverages, limits, and deductibles you choose. Rates will also vary based on your driving record and other rating factors that are specific to your current situation. That means comparing multiple companies is the best way to get affordable car insurance.

Factors that affect car insurance rates include:

  • Age and gender
  • Location
  • Driving history, including tickets and accidents
  • Claims history
  • The age, make, and model of your vehicle
  • Credit score
  • Coverage levels

Some states don’t allow the use of age, gender, and credit for car insurance rates. You can estimate car insurance rates right along with our coverage recommendations in the calculator to get an idea of how much car insurance should cost for you.

Just choose the option to compare car insurance rates from top car insurance companies side-by-side. You can then take the next steps to purchase your chosen policy. 

You can also view rates by age, rates by state and rates by company. With all of these ways to estimate and compare costs, you'll get a good picture of what you'll pay. However, the best way to really determine what your premium will be is to get rate quotes and see what company has the best rates.

How to calculate car insurance rates before buying a car

When you're shopping for a car (whether it's new or used), it is essential to compare car insurance rates at the same time. You don't want to find the perfect car only to find out you can't afford the insurance.

You can estimate car insurance by using our rates by car tool to get an idea of the average rate in your state for the vehicle model you're considering. Once your car choices are narrowed, compare actual rate quotes for you. You can buy your new car confident that you’ll get the coverage you need at the best price.

Remember to check our car insurance calculator to make sure you are getting the recommended auto insurance coverages for your vehicle. You don't want to miss out on vital protection for your vehicle by skipping coverage.

What can we help you find?