Insurance Planning
Buy enough coverage — and not a dollar more.
- 1.Size your life coverage
- 2.Protect your paycheck
- 3.Price health coverage
- 4.Right-size auto and home
Insurance Calculators
Life, term, health and policy premium estimators.
36 free insurance calculators — no signup, mobile-friendly, formulas verified by our editorial team.
Featured insurance calculators
All insurance calculators
Insurance
Insurance Replacement Cost Calculator
Home rebuild cost with Coverage A/B/C/D defaults (Marshall & Swift).
Insurance
Life Insurance Needs Calculator
DIME method: Debt + Income + Mortgage + Education − assets = coverage.
Insurance
Auto Insurance Deductible Calculator
Compare deductible tiers: annual savings and break-even years per III guidance.
Insurance
Boat Insurance Calculator
Boat premium by hull value, length, type and cruising waters.
Insurance
Car Insurance Calculator
Estimate US auto insurance premiums by state and driver profile.
Insurance
COBRA Premium Cost Calculator
Full COBRA premium at 102% of plan cost, the jump versus your payroll deduction and the total over 18 months.
Insurance
Condo Insurance Calculator (HO-6)
HO-6 walls-in, contents and liability premium estimate.
Insurance
Cyber Liability Insurance Calculator
Cyber policy premium for SMBs by revenue, records and industry.
Insurance
Disability Insurance Calculator
How much long-term disability coverage you need.
Insurance
Earthquake Insurance Calculator
Earthquake premium by state risk band and dwelling deductible.
Insurance
Flood Insurance Calculator
NFIP flood premium estimate by FEMA zone, dwelling and contents.
Insurance
HDFC Life Calculator
Premium and maturity for HDFC Life policies.
Insurance
Health Insurance Calculator
Health cover needs for family and age.
Insurance
Home Insurance Calculator
Estimate US homeowners insurance from dwelling coverage.
Insurance
HSA vs PPO Calculator
Annual cost comparison of an HDHP+HSA against a traditional PPO plan.
Insurance
ICICI Prudential Calculator
Premium and maturity for ICICI Prudential.
Insurance
LIC Jeevan Anand Calculator
Premium and maturity for Jeevan Anand plan.
Insurance
LIC Jeevan Umang Calculator
Premium and yearly payout for Jeevan Umang.
Insurance
LIC Maturity Calculator
Maturity value of LIC endowment policies.
Insurance
LIC Premium Calculator
Annual premium for LIC policies.
Insurance
Life Insurance Calculator
Right life cover for your family and income.
Insurance
Long-Term Care Insurance Calculator
Long-term care premium estimate by age, gender, and daily benefit.
Insurance
Medicare Late Enrollment Penalty Calculator
Lifetime Part B and Part D late enrollment penalties from months without coverage.
Insurance
Medicare Part A Eligibility Calculator
Check whether you qualify for premium-free Part A and what the premium would be.
Insurance
Medicare Part B Premium Calculator
2025 Part B premium ($185 base) + IRMAA surcharges by MAGI and filing status.
Insurance
Medicare Part D Cost Calculator
2025 Part D total monthly cost: private plan premium + IRMAA surcharge.
Insurance
Motorcycle Insurance Calculator
Motorcycle premium by cc, rider age, state and driving record.
Insurance
Pet Insurance Calculator
Monthly pet insurance cost by species, age, coverage and deductible.
Insurance
Renters Insurance Calculator
Estimated annual renters insurance premium by contents and ZIP risk.
Insurance
Retirement Insurance Calculator
Annuity payouts from a retirement corpus.
Insurance
SBI Life Premium Calculator
Premium estimator for SBI Life policies.
Insurance
Self-Insurance vs Traditional Calculator
Compare paying a premium vs investing it and retaining risk.
Insurance
Term Insurance Calculator
Ideal term plan sum assured.
Insurance
Umbrella Insurance Calculator
Suggested umbrella coverage and premium range based on net worth.
Insurance
VA Disability Compensation Calculator
Combined VA rating using VA math plus 2025 tax-free monthly compensation.
Insurance
VA Pension Eligibility Calculator
Estimate needs-based VA Veterans Pension against the 2025 MAPR limits.
Popular in insurance
Insurance
Auto Insurance Deductible Calculator
Compare deductible tiers: annual savings and break-even years per III guidance.
Insurance
Boat Insurance Calculator
Boat premium by hull value, length, type and cruising waters.
Insurance
Car Insurance Calculator
Estimate US auto insurance premiums by state and driver profile.
Insurance
COBRA Premium Cost Calculator
Full COBRA premium at 102% of plan cost, the jump versus your payroll deduction and the total over 18 months.
Insurance
Condo Insurance Calculator (HO-6)
HO-6 walls-in, contents and liability premium estimate.
Insurance
Cyber Liability Insurance Calculator
Cyber policy premium for SMBs by revenue, records and industry.
Trending in insurance
What readers are opening most this week.
Featured guide
Insurance explainedInsuranceAuto, home, life, and disability insurance guides plus premium and coverage calculators.Read the guide →Popular insurance searches
Who should use these insurance calculators
Built for U.S. insurance and coverage decisions, with documented formulas and primary-source references.
- Parents sizing life insurance against income and future costs
- Households comparing health plans on total annual cost, not premium
- Drivers and homeowners choosing deductibles they can actually fund
- Anyone assessing disability or umbrella liability gaps
Decision guides
Ordered calculator paths for the decisions this category supports.
Insurance learning path
Start where you are. Each level builds on the tools above it.
Beginner
Learn how premiums, deductibles and coinsurance interact.
Intermediate
Size the coverage your household actually needs.
Advanced
Optimize tax-advantaged health accounts and liability layers.
Common insurance mistakes
What we see people get wrong most often — and the correction.
- Shopping on premium alone
- Add the deductible and out-of-pocket maximum. The cheapest premium is often the most expensive plan.
- Using a rule of thumb for life insurance
- Size coverage from real obligations: income replacement, debts, education and final expenses.
- Choosing a deductible larger than your emergency fund
- A deductible you cannot pay is not a saving — it is an uninsured risk.
- Overlooking disability coverage
- Long-term disability is statistically likelier than premature death during working years.
Latest resources
Explainers and guides from our education hub.
How we keep these calculators trustworthy
Editorial review, documented methodology and primary U.S. sources.
- Editorial policyWho writes and reviews our tools.
- Calculator methodologyHow each formula is chosen and documented.
- How we verify formulasKnown-answer tests against published examples.
- How we test accuracyAutomated regression suite on every release.
- Sources & referencesIRS, CFPB, SSA, HUD, VA, CMS, FDIC, FINRA, Treasury, DOL.
- Financial disclaimerEstimates for education, not financial advice.
Official Sources & References
The formulas, rates and definitions used by this calculator are aligned with the following official sources:
- National Association of Insurance Commissioners (NAIC) — U.S. consumer guidance on life, health and auto coverage.
- HealthCare.gov — Coverage and Cost Definitions — Deductible, coinsurance and out-of-pocket-maximum definitions.
- Centers for Medicare & Medicaid Services (CMS) — Medicare premiums, IRMAA brackets and coverage rules.
- Social Security Administration (SSA) — Disability, survivor and retirement benefit rules.
We use only primary sources — regulators, standards bodies and scheme operators. See our full sourcing policy for details. Sources & References Policy · Calculator Methodology · How We Verify Formulas