Calculators › Auto insurance
Deductible break-even calculator
Raising a deductible trades a certain premium saving for an uncertain future cost, and the break-even point tells you whether that trade is sensible.
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.
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.
Accident premium impact
Estimate the total extra premium you pay over the years a surcharge stays on your record.
Bundling savings
Compare separate home and auto policies against a bundled quote.