Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Insurance calculators

Sure, you can get great insurance quotes here at, but what’s the toughest thing to figure out when it comes to insurance, be it auto insurance, home insurance or life insurance? It’s what you should actually pay, in comparison with the quotes you get.

Fortunately, there are dozens of insurance calculators out there on the Internet … read on to find the best. And if you want to find your own, we’ve also got guidelines on what to look for.

Car Insurance Calculators

Car Insurance Calculator

What to Look For: A car insurance calculator needs to get into details about your car. A really good one will ask you for items like how often your car breaks down, how often you drive your car, the neighborhoods where you park your, and other nitty-gritty factors that can have a bearing on your insurance. Remember, insurance is a numbers game, and the more details you provide, the more accurate your calculator will be.

We Recommend: The Coverage Calculator from, which gets into details and offers you a good idea of the pay range you might have to cover. While it’s not perfect, it’s the most detailed one we could find.

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Life Insurance Calculators

Life Insurance Calculator

What To Look For: First things first: look for a calculator that determines term life insurance, not whole life insurance. Term life insurance is life insurance as you expect it, a lump sum that pays off after your death, while whole life insurance includes an investment portion. You’re going to want term, because that’s probably what you’re planning for. Whole life is more of a savings plan than anything else, and you should discuss it carefully with your financial advisor.

Look for a life insurance calculator designed to deal with major expenses: not just the funeral, but also college expenses, ongoing income for your spouse, and other factors.

We Recommend: The LIFE Foundation’s Life Insurance Needs Calculator. Being a non-profit, the LIFE Foundation doesn’t have anything to sell you: they just want to make sure you have adequate life insurance. Even better, their calculator lets you factor in life insurance you may already have, and only advises you on what you might need.

Home Insurance Calculators

Home Insurance Calculator

What To Look For: There’s no calculator that can really factor in all the different variables of a home insurance policy: when the home was built, the electrical system, the local geography, any problems you may need to repair in the near future, your neighborhood, and so forth. So, when looking for a home insurance calculator, go for the one that can offer you a good ballpark estimate for you to reference when you call an agent. Where you’re located and how many square feet your home has will tell you all you need to know: the insurance companies you call should fill in the rest.

And remember, because we can’t emphasize this enough: comprehensive coverage is what you want, and make sure it includes flood coverage!

We Recommend:’s Home Insurance Calculator. It’s simple: area code and square footage are all you need. Even better, it gives you three different ranges, from your basic insurance needs to the high end, if you’re looking for the best peace of mind possible.

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Health Insurance Calculators

Health Insurance Calculator

What To Look For: Detail, detail, detail. Just like car insurance, how much you’re going to pay, especially with privately-owned health insurance plans, will depend heavily on your current health and outlook for staying healthy over the long term. This becomes especially important if you’ve decided that you don’t like your company’s health insurance plan, and are thinking about switching to your own: you need to be able to anticipate problems coming down the pike. Especially important are the financial aspects: you should be able to compare your current plan against others you’re considering.

We Recommend: Money Zine’s Health Insurance Costs Calculator. It lets you plug the details of various plans into the calculator and gives you a realistic idea of how much your insurance may set you back, depending on what you sign up for.

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Dental Insurance Calculators

Dental Insurance Calculator

What To Look For: Details, but not nearly as much as you’d want from a health insurance calculator. Dental insurance is a bit less complicated than health insurance, as it has far less to cover and thus fewer variables to look after. Look for calculators that ask you about your family’s dental needs, as well as your own. Also look for the ability to plug different plans into the calculator and figure out the best benefits; dental insurance is low enough in cost that you’ll be looking at several different companies.

We Recommend: AMPM Insure’s Dental Insurance Calculator. It will let you figure out absolutely everything you need, and gives great ranges you can use as a starting point.

Insurance Calculators: General Tips

When browsing the Web, keep these pointers in mind before trusting the results of any insurance calculator.

  • Beware of calculators hosted or sponsored by a specific insurance agency. Some of these calculators can be useful and accurate, but others can be little more than marketing gimmicks, while others will only offer you a look at what you can expect from that insurer.
  • Beware of calculators hosted on a site from another country. Each nation has vastly different insurance regulations and requirements, so the results of a British insurance calculator won’t tell you much about American insurance.
  • Always look for a second opinion. Don’t take the calculator results as a hard fact. These calculators are designed to give you an idea of what your insurance will likely cost, or how much additional insurance you may need. So always keep that in mind, especially when you have an insurance salesman in front of you.

Remember, calculators are not always 100% precise: any insurance policy is going to have a number of factors that may raise or lower your insurance, and each insurance company weighs each factor differently. But they’re good for getting a sense of what you’ll pay, and spotting costs too high to be worth it, and deals too good to be true.

Once you’re armed with your estimates from these calculators, we invite you to come back to, and use our free quote form to get the best insurance prices available. Just enter your ZIP code in the box below, and see if you can beat the price quoted by the insurance calculator!