Car Insurance Calculator

Quickly estimate the right coverages and limits for you and your vehicle

Simplify car insurance before you quote. Your policy’s coverage selections depend on what your state requires, how much you have to protect, whether your vehicle is financed, and your risk tolerance. Our auto insurance calculator can help assess how you and your car should be protected and explain the strategy behind choosing coverages.

Discover the right level of insurance for you

  • What state do you live in?

    Why we ask: Minimum liability limits vary by state, along with coverage requirements for medical payments, personal injury protection, and uninsured/underinsured bodily injury and property damage.

  • Do you own a home or have assets totaling more than $50,000?

    Why we ask: Your total assets, including your home's equity, should be accounted for when determining the right amount of liability coverage.

  • Do you own or finance your car?

    Why we ask: Lenders often require higher liability limits on leased or financed vehicles, as well as comprehensive and collision coverage.

  • How much is your vehicle worth?

    Why we ask: Depending on your vehicle's value, you might need physical damage coverage even if your car is paid in full.

  • Do you owe more on your loan or lease than the car is worth?

    Why we ask: If the amount you owe on your vehicle exceeeds its value, gap insurance can pay the difference between your loan/lease amount and the market value of the car.

  • Do you have the funds available to purchase a new vehicle or repair your current vehicle if necessary?

    Why we ask: If your car is totaled or damaged in an accident, and you don’t have the funds to buy a new one or pay for repairs, then physical damage coverages are recommended — especially if you're dependent on your car for transportation.

  • When insuring your car, which do you prefer?

    Why we ask: You may prefer a lower rate for car insurance in exchange for a higher deductible. That means you'll pay more out of pocket if you have a policy claim. If you prefer a lower deductible, your insurance premium will increase.

  • Do you have easy access to another car if your car is totaled?

    Why we ask: Rental car reimbursement is an optional coverage that pays for a rental vehicle while your car is being repaired due to damage from a covered accident.

  • Do you use your car for ridesharing services?

    Why we ask: You need special coverage on your personal auto policy if you drive for a ridesharing company or delivery service in order to fill the gaps between your insurance and the company's.

Suggested Coverages

Ready for a customized quote?

Now that you've seen the suggested coverages, get an accurate quote from Progressive in minutes. We'll ask more detailed questions about you and your vehicle(s) and provide options to fit your unique needs.

The Car Insurance Calculator is intended to be an informational tool and serves as a starting point as you select your coverages, limits and deductibles. It does not generate an insurance quote, nor is it intended to recommend specific insurance coverages. You are responsible for selecting the coverages, limits, and deductibles that best protect you and your property, and Progressive makes no warranty as to the adequacy of the coverages you select. This tool does not present every coverage option or limit available in each state and situation. If you want higher liability limits than we offer, you should consider purchasing excess or umbrella insurance, which can be purchased directly from Progressive in most states.