Tools
PolicyCompass calculators
Every tool below runs entirely in your browser. Pick a calculator, read the assumptions, and change any default that does not match your situation.
Coverage and deductibles
Coverage and deductibles
Deductible Break-Even Calculator
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 deductiblesState Minimum vs Full Coverage Cost & Risk Calculator
Calculate 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 profiles
Our tool standards
- No hidden inputs. Every assumption is visible and editable.
- No data collection. Calculations run client-side; nothing is uploaded.
- Documented formulas. Each page explains the math in plain English.
- Cited sources. External benchmarks link to the publisher.
- Updated dates. Pages show when they were last reviewed.
- Accessible markup. Labeled inputs, keyboard support, and readable contrast.