Calculators › Auto insurance
Accident premium impact calculator
A single at-fault accident usually raises premiums for three to five years, so the real cost is the surcharge multiplied by every renewal it touches.
This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.
More auto insurance calculators
Should I file a claim?
Compare the payout on a claim against the premium increase you would pay for years afterwards.
Deductible break-even
Find how many claim-free years it takes for a higher deductible to pay for itself.
Total loss threshold
Check whether repair costs exceed your state’s total loss threshold against the car’s value.
Gap insurance need
See whether you owe more on your car than it is worth, and how large the gap is.
Is collision coverage worth it?
Compare the annual cost of collision cover against the most it could ever pay you.
Bundling savings
Compare separate home and auto policies against a bundled quote.