Auto Insurance Coverage Calculator

Answer six quick questions and see the liability limits, deductible, and comp-and-collision call that actually fit your finances — everything stays right here in your browser.

📖 How it works & FAQ

Net worth to protect ($)

Vehicle market value ($)

Emergency savings ($)

Your state minimum liability

Comp + collision premium ($/yr)

Current deductible

Match liability limits to what you could lose

Liability coverage pays other people when you cause a crash — their medical bills (bodily injury) and their property (property damage). Limits are written as three numbers in thousands, like 100/300/100: $100,000 per injured person, $300,000 per accident, and $100,000 for property. If a judgment exceeds your limits, the injured party can pursue your savings, home equity, and even future wages. That is why the classic rule of thumb is to carry enough liability to cover your net worth. This calculator maps your assets to a common limit tier and flags when an umbrella policy starts to make sense.

The 10% rule for comp & collision

Comprehensive and collision only ever pay up to your car's actual cash value minus your deductible. Drive a $3,000 car with a $1,000 deductible and the most you can ever collect is $2,000 — so paying $600 a year for that protection rarely pencils out. A common rule of thumb: once the annual comp-plus-collision premium reaches about 10% of the vehicle's value, consider dropping it and self-insuring the risk instead.

How to use it

Enter your rough net worth — savings, investments, and home equity, minus debts.
Enter your car's current market value (check a pricing guide) and your emergency savings.
Pick your state's minimum liability split and enter what you pay per year for comp & collision.
Read the cards: suggested liability tier, whether comp & collision is worth keeping, the deductible you could comfortably absorb, and whether an umbrella fits.

Everything runs in your browser — nothing you type is uploaded or stored. Estimates only: this tool is educational and is not financial, insurance, or legal advice.

FAQ

What does 25/50/25 actually mean?: $25,000 of bodily-injury coverage per person, $50,000 per accident, and $25,000 of property damage per accident. State minimums are often far below the real cost of a serious crash.
Should uninsured motorist coverage match my liability limits?: Most advisors suggest matching UM/UIM to your bodily-injury limits, since it protects you and your passengers when the at-fault driver carries little or no insurance.
Is a higher deductible always better?: A higher deductible lowers your premium, but only pick one you could pay tomorrow without borrowing. This tool caps the suggestion at half your emergency savings.
When do I need an umbrella policy?: Once your net worth exceeds the highest common auto limits (around $500,000 per accident), a personal umbrella adds $1M or more of liability across auto and home, usually quite cheaply.