Calculators › Auto insurance

Should I file a claim? calculator

A claim below or near your deductible is rarely worth filing, because the surcharge that follows can cost more than the insurer ever pays you.

Estimated damage ($)Your deductible ($)Current annual premium ($)Expected increase (%)Years surcharge applies

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

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.

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.