Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 8, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Auto insurance calculators may be more common than potholes, with a large number of calculators available online. Many auto insurance company websites offer insurance calculators, as do websites that focus on selling or providing quotes for various types of insurance.

Enter your ZIP code into our FREE tool to compare the cost of various auto insurance rates now!

Your zip code is typically the first piece of information an insurance calculator needs to begin. This kicks off the entire calculation process by determining what city and state you are in.

As each state has its own set of auto insurance rates and laws, your location is a vital piece of information to determine your rates, your minimum auto insurance limits, and the types of insurance products that may be available.

Other Information Needed for Basic Insurance Calculator

Next up may be your personal information. This includes your full name, address, phone number and email address.

Your email address may be necessary if you want a copy of your calculations sent to you, while both your email address and phone number may be handy if an agent needs to contact you directly with any questions or concerns.

Calculators generally ask for your vehicle information to offer an accurate quote.

Your vehicle’s age, make, model and list price all go into determining your rates. Cars that are frequently stolen, that sustain heavy damage in accidents, or which would cost a lot of money to repair usually cost more to insure than vehicles that have a solid history of avoiding theft and costly repairs.

A car you are leasing or financing will generally have different insurance rates than a car you own.

Driver information is usually one of the factors in an insurance calculator. This would cover your name, age, gender, marital status and other personal information. All such information plays a part in the overall cost of your insurance policy.

Your driving history may come next. Here is where you list traffic infractions, tickets and accidents on your record. If you do not list it, insurance companies can usually find it out anyway through public records or the motor vehicle department.

Keeping a copy of your existing insurance policy handy can also be helpful to double check information. This applies for the general information above as well as more detailed information on the types of coverage and coverage limits you want to calculate.

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Advanced Auto Insurance Calculators

Some insurance calculators may go above and beyond the basic by also taking into account your desired coverage limits and types. The basic calculators may only offer the cost of basic coverage, or whatever is required by law in your particular state.

Advanced calculators may be able to include additional coverage types as well as your choice of coverage limits. The Illinois Department of Insurance notes the various types of auto insurance available in Illinois, which may be similar or even the same as coverage offered in other states.

Liability auto insurance coverage is a given in any policy anywhere. It covers the cost of injuries or damage to other people’s property you cause due to negligence.

Uninsured and underinsured motorist coverage pays for your own injuries under specific circumstances. These circumstances kick into gear when the person who caused your injuries either has no auto insurance or insurance limits that do not cover the full extent of the damage.

Physical damage coverage includes collision auto insurance protection and comprehensive coverage. Collision coverage takes care of damages caused by a collision. This may include another vehicle or a tree, fence or other objects.

Comprehensive coverage extends to damages not caused by a collision. This may include weather-related damage, natural disasters, vandalism and fire.

Including additional coverage that can raise the premium may also be an option with certain calculators.

Options may include insurance to cover towing, car rentals, medical bills, accidental death, vehicle replacement, and custom or post-factory equipment or vehicle additions.

Types of Auto Insurance Calculators

In addition to the basic calculator and a more advanced calculator, you may also run across additional types of auto insurance calculators. One company offers a calculator that works backwards.

Rather than entering the type of coverage you want to come up with a price, you instead enter the price you want to pay and the calculator comes up with the coverage.

Another type of calculator asks for a wide range of personal information, including your income, household members, health insurance status, and net worth to suggest the types of coverage you may want to include.

If you do not have health insurance, for instance, this type of calculator may recommend a high limit on personal injury coverage since your medical bills would not be covered by another policy.

Search for auto insurance policy options that fit your needs by entering your ZIP code in our FREE tool now!

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