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Quickly estimate auto insurance 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 works as an estimator for your car insurance coverage needs and explains the strategy behind choosing protection.
Discover the right level of insurance for you*
What state do you live in?
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- District of Columbia, Selected
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- Georgia, Selected
- Hawaii, Selected
- Idaho, Selected
- Illinois, Selected
- Indiana, Selected
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- Michigan, Selected
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- Mississippi, Selected
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- Nebraska , Selected
- Nevada, Selected
- New Hampshire, Selected
- New Jersey, Selected
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- North Carolina, Selected
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- Ohio, Selected
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- Tennessee, Selected
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- Vermont, Selected
- Virginia, Selected
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- West Virginia, Selected
- Wisconsin, Selected
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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.
Why we ask:Your total assets, including your home's equity, should be accounted for when determining the right amount of liability coverage.
Why we ask:Lenders often require higher liability limits on leased or financed vehicles, as well as comprehensive and collision coverage.
Why we ask:Depending on your vehicle's value, you might need physical damage coverage even if your car is paid in full.
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.
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.
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.
Why we ask:Rental car reimbursem*nt is an optional coverage that pays for a rental vehicle while your car is being repaired due to damage from a covered accident.
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.
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Now that you’ve seen the estimated 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.
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Frequently asked questions
How are car insurance coverages estimated?
Our car insurance estimator uses your state's required auto coverages, the value of your car and other assets, your tolerance for risk, and your need for optional coverages to estimate which of Progressive's car insurance coverages you should get.
Keep in mind that our car insurance calculator recommends a minimum set of coverages for your situation. For a full car insurance cost estimate, get a car insurance quote today.
How do you determine how much car insurance you need?
To determine how much car insurance you need, find out the following:
- What's required: Each state requires drivers to carry a minimum amount of certain coverages. These are the bare-minimum coverages you should get. And if you have a car loan or lease, lenders typically also require comprehensive auto coverage and auto collision coverage.
- The value of your car: If you don't have a lease or loan and your car isn't worth much, you might drop collision and comprehensive to save on your premium. If you want to make sure your car is protected no matter the cause of the damage, keep these coverages.
- The value of your other assets: Nearly every state requires some level of auto liability coverage, In case of an accident-related lawsuit, you may want more than the required minimum to protect assets like your home and other property.
- Your risk tolerance: If you have plenty of rainy-day savings, you might prefer to have a higher auto insurance deductible in exchange for a lower premium. But if you need to avoid unexpected costs, you might prefer a lower deductible and higher premium.
How are car insurance premiums calculated?
Car insurance premiums are calculated using a complex set of rating factors that can include your age, location, driving record, and coverage selections, plus your vehicle's usage and more. Car make and model can also be a rating factor for physical damage coverages. Learn more about car insurance cost factors.
How do I find the cheapest car insurance?
To get the cheapest car insurance, make sure you maximize your eligibility for car insurance discounts, use AutoQuote Explorer® to compare car insurance rates, keep a clean driving record, and only file a claim when you need to. Find out more ways to lower your car insurance premium.
What do you need to get a quote?
When you're shopping for car insurance, you'll need the following to get quote:
- Your address
- Your car's make, model, year, and mileage
- Some info about your driving history
Knowing your preferred coverages and amounts (like what's provided in the car insurance calculator on this page) also helps. Use that information to make an apples-to-apples price comparison if you get quotes from multiple insurers.
