Insurance Calculators

Browse 20 free insurance tools. All tools are free, instant, and require no signup.

Estimate insurance costs, coverage gaps, and policy tradeoffs for home, auto, health, life, and disability decisions.

All Insurance Tools

• Commercial Auto Insurance Estimator - Estimate commercial vehicle insurance costs by vehicle type, use class, radius, driver count, and coverage level.
• Disability Income Gap Planner - Calculate how much disability insurance coverage you need to protect your income if you can't work
• Disability Insurance Gap Analyzer - AI-powered analysis of your disability insurance coverage gaps. Determine how much disability insurance you need based on income, expenses, savings, and existing coverage.
• Earthquake Insurance Calculator - Estimate earthquake insurance premiums and deductibles by state/zone, construction type, foundation, and home value. Show cost-benefit of coverage vs self-insuring.
• Excavation Insurance Class Code Comparator - Compare workers comp and liability insurance premiums across excavation business classifications
• Flood Insurance Premium Estimator - Estimate NFIP flood insurance premiums based on flood zone, property type, coverage amount, foundation type, building age.
• Gap Insurance Calculator - Calculate whether gap insurance is needed by comparing estimated car value vs. loan balance over time
• General Liability Insurance Calculator - Estimate general liability insurance premiums based on business type, revenue, employee count, and coverage limits
• Home Warranty Cost-Benefit Calculator - Calculate if a home warranty is worth it based on appliance ages, repair history, home age, and warranty plan costs. Shows break-even point.
• Insurance Premium Inflation Forecaster - Project how your insurance premiums will grow over 10-20 years based on historical inflation rates and coverage type
• Life Settlement Calculator - Estimate the market value of a life insurance policy if sold, based on age, health, policy type, and death benefit
• Long-Term Care Cost Calculator - Estimate long-term care costs by state and care type (in-home aide, assisted living, nursing home, memory care). Project costs 5-20 years out with inflation.
• Medicare Advantage Plan Comparison - Compare Medicare Advantage vs Original Medicare + Medigap costs. Factor in premiums, deductibles, copays, drug coverage, out-of-pocket maximums by plan type.
• Pet Insurance ROI Calculator - Calculate pet insurance value by breed, age, and health issues. Compare lifetime premiums vs expected vet costs.
• Professional Liability (E&O) Insurance Calculator - Estimate errors and omissions insurance costs based on profession, revenue, claims history, and coverage needs
• Professional Liability Insurance Calculator - Estimate errors and omissions insurance costs based on profession, revenue, claims history, and coverage needs
• Small Business Insurance Cost Estimator - Estimate general liability, professional liability, workers comp, and BOP costs for small businesses by industry, revenue, employee count, and state
• Travel Insurance Coverage Estimator - Estimate recommended travel insurance coverage based on trip cost, destination risk, traveler age, and health conditions
• Travel Insurance Value Calculator - Calculate if travel insurance is worth it based on trip cost, destination, traveler age, pre-existing conditions, and cancellation risk factors.
• Workers Comp Rate Calculator - Estimate workers compensation insurance premiums using class codes, payroll amounts, and experience modification rates