Insurance
State minimum insurance requirements, driver-segment cost guides, and deductible break-even calculators for students, new drivers, and families.
No sign-up. No data leaves your browser. Updated 2026.
Each tool includes a worked methodology, assumptions, and common pitfalls below the numbers.
Enter your current and proposed deductibles plus the premium difference. The calculator shows break-even time, expected annual savings at a given claim frequency, and the cash you would need on hand.
Open calculator → Coverage and deductiblesCalculate premium savings from dropping to state minimum liability, and weigh your out-of-pocket financial exposure in an at-fault crash against vehicle value.
Open calculator → Driver profilesCalculate the premium impact of adding a 16-to-24-year-old driver to your family auto policy, compare standalone vs multi-car rates, and test discount scenarios.
Open calculator →Practical walkthroughs with the math shown, not just conclusions.
Actionable steps to minimize rate hikes after an at-fault crash: accident forgiveness, deductible adjustments, defensive driving courses, and reshopping.
Read the guide →How GAP insurance covers the negative equity spread between your auto loan balance and the insurance company's actual cash value payout after a total loss.
Read the guide →Why carrying UM/UIM bodily injury and property damage coverage is critical, state uninsured driver percentages, and how stacking works.
Read the guide →What an SR-22 certificate is, how much it costs to file, which driving violations trigger it, and how to maintain continuous coverage to avoid license suspension.
Read the guide →How to calculate whether dropping collision and comprehensive coverage on an older vehicle makes financial sense using the 10 percent rule.
Read the guide →How auto insurers calculate credit-based insurance scores, which states outlaw the practice, and steps to lower your premium by improving your score.
Read the guide →Minimum liability limits, average premiums, and rules that affect students and new drivers in every state.
Every calculator on PolicyCompass is deterministic: the same inputs always produce the same output, and the formula is documented in plain language on the tool page. Where a figure depends on an external benchmark — a published rate, a statutory limit, or an industry cost range — the page cites the publisher and links to it.
We separate inputs you control (balances, rates, dimensions, weights) from assumptions we supply (default rates, waste factors, contingency percentages). Assumption defaults are deliberately conservative and every one of them is editable on the tool page, so you can substitute your own quote or local figure.
Nothing you type is transmitted. The calculations execute in JavaScript in your browser, which means the tools work offline and no personal data is collected.