Free Insurance Calculators

Life

Life Insurance Calculator

Estimate how much life insurance coverage you need based on income, debts, dependents, and existing assets.

Life

Term vs Whole Life Comparison

Compare term and whole life insurance side by side — cost, coverage duration, and which is right for your situation.

Life

Table Rating Calculator

See exactly what Table 1-16 (A-P) or a flat extra adds to your life insurance premium, with a full side-by-side comparison.

Life

Life Insurance for Seniors

Estimate coverage needs for ages 55–80. Covers final expenses, income replacement, debt payoff, and legacy goals.

Life

Long-Term Care Insurance Calculator

Estimate LTC coverage needs and premium ranges based on age, care setting, benefit period, and inflation protection.

Disability

Disability Insurance Calculator

Estimate how much disability insurance coverage you need to protect your income if you can't work.

Health

Health Insurance (Self-Employed)

Estimate health insurance costs for freelancers, contractors, and self-employed workers without employer coverage.

Home

Home Insurance Calculator

Estimate how much homeowners insurance you need based on your home's value, location, and coverage preferences.

Home

Renters Insurance Calculator

Estimate renters insurance coverage for your personal property, liability, and additional living expenses.

Home

Landlord Insurance Calculator

Estimate landlord insurance premiums based on property value, type, rental style, and location risk.

Home

Short-Term Rental Insurance Calculator

Estimate Airbnb/VRBO host insurance costs — standard homeowners coverage doesn't apply once you take paying guests.

Home

Condo Insurance (HO-6) Calculator

Estimate your HO-6 premium based on interior improvements, personal property, master policy type, and liability needs.

Home

Mobile & Manufactured Home Insurance Calculator

Estimate your premium based on home age, HUD wind zone, anchoring system, and land ownership.

Specialty

Wedding Insurance Calculator

Estimate your premium based on guest count, venue type, alcohol service, and coverage choices.

Specialty

Valuables & Jewelry Insurance Calculator

Estimate your premium based on appraised value, item type, storage, and coverage type.

Business

EMR Calculator

Estimate your workers' comp Experience Modification Rate (EMR / X-Mod) from your payroll and claims history.

Health

Critical Illness Insurance Calculator

Estimate your premium by age, coverage amount, and tobacco use — plus how it compares to disability insurance.

Auto

Teen Driver Insurance Calculator

Estimate how much adding your teen to your policy will cost, and how much good student and away-at-school discounts save.

Auto

GAP Insurance Calculator

See if you have a gap between your loan or lease payoff and your car's actual value — for financed and leased vehicles.

Home

Dwelling Coverage Calculator

Calculate the right dwelling coverage amount based on your home's size, construction type, and local rebuild costs.

Home

Umbrella Insurance Calculator

Find out how much umbrella liability coverage you need based on your assets and risk exposure.

Auto

Car Insurance Calculator

Estimate car insurance coverage needs and costs based on your vehicle, driving record, and coverage goals.

Auto

EV Insurance Calculator

Estimate insurance costs for electric vehicles — including factors that make EV insurance different from standard auto.

Auto

SR-22 Insurance Calculator

Estimate SR-22 insurance costs for high-risk drivers — including DUI, reckless driving, and license suspension situations.

Auto

Motorcycle Insurance Calculator

Estimate motorcycle insurance costs based on bike type, rider experience, and coverage preferences.

Pet

Pet Insurance Calculator

Estimate pet insurance costs and coverage for dogs and cats based on breed, age, and plan type.

Business

Freelancer Insurance Calculator

Estimate insurance costs for freelancers — health, liability, disability, and more — in one place.

Business

Business Insurance Calculator

Estimate business insurance coverage needs — general liability, professional liability, BOP, and more.

Business

Workers Compensation Calculator

Estimate your annual workers comp premium by industry, payroll, state, and experience modification factor.

Home & Property

Flood Insurance Calculator

Estimate your annual flood insurance cost by flood zone, home value, and coverage level. Compare NFIP vs private options.

Travel

Travel Insurance Calculator

Estimate travel insurance costs for trip cancellation, medical coverage, and emergency evacuation.

Specialty

Boat Insurance Calculator

Estimate boat and watercraft insurance costs based on vessel type, value, and usage.