Insurance Calculators

NerdWallet's insurance calculators can help you answer your own money questions.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you want to insure your vehicle or investigate life insurance, NerdWallet has a collection of tools that can simplify your decisions. Browse them all here:

Auto insurance

Life insurance

Homeowners insurance

Renters insurance

Compare car insurance

withwith Insure.com

Average car insurance rate by state

Choose your state to see the average car insurance premium drivers pay.

NerdWallet averaged rates for 40-year-old men and women for all ZIP codes in any of the 50 states and Washington, D.C., in which the insurer was one of the largest insurance companies (by premiums written). “Good drivers” had no moving violations on record and an insurance credit score considered “good” by each insurer; a “good driving” discount was included for this profile. Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

We used a 2016 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are sample rates generated through Quadrant Information Services. Your own rates will be different.


Cheapest full coverage car insurance by state

Enter your state and we'll show you the three cheapest car insurance options for good drivers.


Estimate your full coverage car insurance premium by zip code

Estimate your full coverage car insurance premium by entering your zip code.


Estimate your minimum-required car insurance premium by zip code

Get an estimate of your minimum-required coverage premium based on where you live.


Rideshare insurance by state

Enter your state to find out what companies offer rideshare insurance where you live.


State minimum car insurance requirements

Enter your state and we'll show you the minimum car insurance coverage amounts it requires.


Car insurance discount finder

Enter a discount you want and we'll tell you which insurers offer it. (Or enter an insurer and we'll list the discounts it offers.)


How credit impacts your car insurance

Find out the effect your credit score has on your insurance rates, by state.


How much life insurance do you need?

Answer these questions to approximate your total coverage needs.


What type of life insurance should you buy?

Input some details about your life and we'll tell you which type of insurance is best for you.


How medical conditions affect your rates

Input a condition and we'll tell you how it could affect your rates in your state.


How much income do you need to replace?

Here's how much money your family would need to replace your salary.


Calculate your debts

Calculate how much insurance coverage your family would need to cover your debts.


The cost of having a baby

Just the basics, or go deluxe? We've got a calculation for that.

How much Personal property coverage do you need?

Your stuff may be worth more than you think. Estimate its value to determine how much personal property coverage you need on your homeowners policy.


Estimate your home insurance by zip code

Find your average home insurance rate based on your location.

The Cheapest Renters Insurance in Every State

Enter your state to see the three cheapest companies for renters insurance there.

How much are your belongings worth?

Estimate the cost of your stuff to find out how much personal property coverage you need on your renters policy.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.