Calculators › Auto insurance
Total loss threshold calculator
Insurers stop repairing and start writing cheques once repairs pass a set percentage of the car’s value, and that percentage is fixed by state law in many places.
Total loss thresholds vary by state, from around 60% to 100%, and some states use a total loss formula instead.
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.
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