Free Car Insurance Tools & Calculators

Simple, free tools that run entirely in your browser. Enter your own numbers — we never invent rates.

• Gap Insurance Calculator — Free gap insurance calculator. Enter your car value, loan balance and deductible to see how much you'd owe if your car is totaled, and whether gap coverage is worth it.
• How Much Car Insurance Do I Need? — Work out how much liability car insurance you need. Enter your net worth and income to see a suggested coverage tier and why it protects your assets.
• Deductible Break-Even Calculator — Compare two car insurance deductibles. Enter the quotes you were given to see your annual savings and how long it takes to break even if you file a claim.
• Car Insurance Coverage Checker — Answer a few questions to see which car insurance coverages you likely need, what each one pays for, and a suggested liability limit.
• Total Loss Payout Calculator — Estimate what an insurer pays when a car is totaled, and whether you will still owe on the loan. Enter your car value, loan balance and deductible.
• Uninsured Motorist Coverage Calculator — Work out how much uninsured and underinsured motorist coverage to carry. Enter your net worth, income and current limit to see a suggested amount.
• Rental Car Insurance Checker — Find out whether your own auto policy or credit card already covers a rental car, and when you likely need to buy the rental company's coverage.
• Teen Driver Insurance Discount Checker — See which teen driver car insurance discounts you may qualify for, from good-student and defensive-driving discounts to telematics and bundling.