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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!

Car Insurance Coverage Calculator
Please enter valid zip.
why we ask:* Car insurance laws vary by state. They require different minimum liability limits, and some require personal injury protection or uninsured motorist coverage.
Car Insurance Coverage Calculator
why we ask:* Leased cars automatically need high liability coverage, collision coverage and comprehensive coverage. Financed cars may need gap insurance.
Car Insurance Coverage Calculator
Car Insurance Coverage Calculator
why we ask:* If you have paid only a small portion down on your car, it is wise to buy gap insurance to protect you if it is totaled.
Car Insurance Coverage Calculator
why we ask:* Some consumers don't mind paying more for car insurance to feel more secure that they'll be covered for certain incidents. Others want the lowest rates possible, even if it means less coverage. If you choose "best protection," we will only suggest you buy insurance coverage that makes sense given your other answers. We will not suggest you buy more coverage than you need. Likewise, if you choose "lowest rates," we will consider your other answers and suggest what makes sense. We will not suggest you buy less coverage than you absolutely need.
Car Insurance Coverage Calculator
why we ask:* Some consumers don't mind paying more for car insurance to feel more secure that they'll be covered for certain incidents. Others want the lowest rates possible, even if it means less coverage. If you choose "best protection," we will only suggest you buy insurance coverage that makes sense given your other answers. We will not suggest you buy more coverage than you need. Likewise, if you choose "lowest rates," we will consider your other answers and suggest what makes sense. We will not suggest you buy less coverage than you absolutely need.
Car Insurance Coverage Calculator
why we ask:* If you’re injured by an uninsured driver, your medical bills would not be covered unless you have health insurance or have purchased uninsured motorist bodily injury, PIP or medical payments coverage.
Car Insurance Coverage Calculator
why we ask:* If you’re injured by an uninsured driver, your medical bills would not be covered unless you have health insurance or have purchased uninsured motorist bodily injury, PIP or medical payments coverage.
Car Insurance Coverage Calculator
why 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.
Car Insurance Coverage Calculator
why we ask:* car is worth less than $3,000, you may not need collision or comprehensive coverage.
Car Insurance Coverage Calculator
why we ask:* If you’re injured by an uninsured driver, your medical bills would not be covered unless you have health insurance or have purchased uninsured motorist bodily injury, PIP or medical payments coverage.

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. 

See how much YOU can save
Please enter valid zip
Please select carrier
ⓘ Check this box if you have multiple vehicles in your family.