Our Mission
My Insurance Calc was built with one goal: make insurance math accessible to everyone. Insurance is one of the most important financial decisions most people make — yet the tools to understand it are often buried behind sales funnels, paywalls, or jargon-heavy PDFs.
We built this site to change that. Every calculator on My Insurance Calc is free, requires no signup, and runs entirely in your browser. Your data never leaves your device.
What We Cover
We cover the full range of personal insurance needs — life insurance, disability, health insurance for the self-employed, renters and home insurance, pet insurance, auto and SR-22, EV insurance, umbrella coverage, and more. New tools and guides are added regularly based on what people are actually searching for.
Beyond calculators, our blog covers the situations that standard insurance guides ignore: getting life insurance after a cancer diagnosis, navigating SR-22 requirements after a DUI, finding affordable coverage as a freelancer or gig worker, and understanding the fine print that affects your actual payout.
How We Build Our Tools
Every calculator on this site is built using publicly available actuarial data, industry rate surveys, and regulatory filings. We cross-reference multiple sources to ensure our estimates reflect real-world pricing as closely as possible. Our tools are designed to give you a realistic starting point — not a sales pitch.
We update our tools regularly to reflect changes in industry averages, regulatory updates (such as ACA guidelines and FPL thresholds), and shifts in market pricing.
State-by-State Guides
A large part of this site covers how insurance rules differ by state — especially workers’ compensation and small business insurance, where employer obligations change sharply across state lines. Some states require coverage from the first employee, others from three or five; some run a monopolistic state fund, some set rates through an independent rating bureau, and a few add mandatory disability or paid-leave programs on top.
We are progressively rewriting each state guide around what is actually distinctive about that state, rather than a generic template. Rewritten guides are built from primary sources: state workers’ compensation agencies and labor departments, state insurance regulators, statutes, and rate filings from rating organizations such as NCCI, NYCIRB, and New Jersey’s CRIB. Where official sources conflict with commonly repeated information — for example, insurers described as “state funds” that were privatized years ago — we follow the official source and say so on the page.
How Figures Are Kept Current
Benefit maximums, contribution rates, and loss cost changes are reset every year, usually on January 1 or with a state’s annual rate filing. When a guide cites a specific year’s figure, we label the year, and we revise the guide when the new figures are published. Average premium estimates are labeled as estimates and should be treated as a starting point, not a quote.
Editorial Standards
All articles on this site are researched and written to provide accurate, unbiased information. We do not accept payment to feature specific insurers or products. When we mention insurance companies, it is for informational purposes only — not as a paid endorsement.
We are not a licensed insurance agency and do not sell insurance. Our content is intended to help you understand your options so you can make informed decisions with the help of a licensed professional.
Contact Us
Have a question, spotted an error, or want to suggest a topic? We read every message. Reach us at canghun13 [at] naver [dot] com.
Disclaimer: All calculators and articles on this site provide estimates and general information for educational purposes only. Results are not a guarantee of actual insurance rates or coverage. Always consult a licensed insurance professional before making coverage decisions.