Free Insurance Calculators
Each calculator uses the same rating factors carriers use — age, location, coverage level, driving record, credit, and more. See your estimated rate in seconds, then compare real quotes from top carriers.
How much will your car insurance cost?
18 factors: vehicle type, mileage, credit score, driving record, age, coverage level, and more.
Estimate autoWhat should you pay for home insurance?
18 factors: home age, roof type, construction, protection class, coastal risk, and more.
Estimate homeHow much life insurance do you need?
18 factors: age, BMI, occupation, family history, health class, and term preferences.
Estimate lifeDo you qualify for ACA subsidies?
18 factors: income, household size, metal tier, network, prescriptions, and more.
Estimate healthHow much will Medicare cost in 2026?
16 factors: Part B, Part D, Medigap, Advantage, income tiers, enrollment timing, and more.
Estimate MedicareIs pet insurance worth it?
16 factors: species, breed risk, age, deductible, reimbursement level, annual limit, and more.
Estimate petHave a specific question?
Use our diagnostic tools for specific insurance scenarios
People Also Ask
Why did my car insurance go up even though I didn't have an accident?
Rates rose 26% nationally in 2026 due to repair cost inflation (up 36% since 2021), $100B+ in weather disaster losses, higher total loss frequency (27% of claims vs 16% in 2022), rising medical costs, and reinsurance rates that have doubled. Your individual rate also reflects state-level approved rate filings, your credit tier, and your carrier's claims experience in your area.
How much car insurance do I actually need?
At minimum, you need your state's liability requirement. But if you have assets to protect, 100/300/100 ($100K injury per person, $300K per accident, $100K property damage) is the standard recommendation. Full coverage (comprehensive + collision) is required if you have a car loan or lease. Once your car is worth under $5,000, dropping comp/collision may make sense.
What is the average cost of auto insurance per month in 2026?
The national average for full coverage auto insurance is about $215/month ($2,578/year). Minimum coverage averages about $129/month. Your actual rate depends on your age, state, driving record, credit score, vehicle, and coverage choices.
Does my credit score affect my car insurance rates?
Yes, in most states. Drivers with excellent credit (750+) pay about 22% less than those with fair credit. Poor credit (580-619) adds 40%. Very poor credit (under 580) can add 70%. Credit is banned as a rating factor in California, Hawaii, Massachusetts, and Michigan.
How long does an accident affect my insurance rates?
Most carriers surcharge for at-fault accidents for 3-5 years. The penalty is steepest in the first year (typically +35-55% for a single at-fault accident) and decays gradually. You can re-shop your rate at any time if your driving record improves.
What is the cheapest state for car insurance?
Maine ($1,135/yr full coverage), Idaho ($1,202/yr), and Vermont ($1,174/yr) are the cheapest states. The most expensive are Florida ($2,443/yr), Louisiana ($2,425/yr), and New York ($2,323/yr). Rates vary by state due to different regulations, weather risks, and litigation costs.
Should I file a claim for minor damage?
Probably not. Filing a claim for damage under $1,000-2,000 usually isn't worth the premium increase that follows. A single claim can raise your rate 15-40% for 3-5 years. Pay out-of-pocket for minor repairs unless your policy has accident forgiveness.
Is it cheaper to bundle home and auto insurance?
Yes. Bundling home and auto with the same carrier typically saves 10-20% on both policies. Most major insurers offer multi-policy discounts, and bundling can also simplify claims handling if you ever need to file on both policies.