Car insurance coverage calculator
How much car insurance do you need? Answer 3 quick questions and this free calculator recommends the coverage that actually fits — liability, full coverage, uninsured-motorist, and gap. No personal info, no email, and no price guesses: just the coverage levels to ask for when you compare quotes.
Your situation
Liability protects these assets. Retirement accounts like a 401(k) or IRA are usually hard for a court judgment to reach, so leave them out.
This decides whether full coverage is required and whether gap insurance makes sense.
Used to judge whether full coverage is worth keeping on a car you own outright. Look up a trade-in value (e.g., Kelley Blue Book) if unsure.
Your recommended coverage
100/300/100
With assets in this range, 100/300/100 keeps a serious at-fault accident from putting your savings and home equity at risk. State minimums would leave you personally responsible for the difference, which can run into six figures after a bad injury claim.
Recommended
On a car worth more than $8,000, comprehensive and collision still pay for themselves if it's wrecked, stolen, or damaged by hail or fire. Keep both, and choose a deductible you could comfortably cover out of pocket.
Add it, matched to your liability limits
Add uninsured/underinsured motorist (UM/UIM) coverage and set it to match your recommended liability limits. About 1 in 7 US drivers is uninsured and many more are underinsured; UM/UIM pays for YOUR injuries when an at-fault driver can't. It's usually inexpensive. A few states require it and some handle it differently — take it if it's offered.
Not needed
With no loan or lease, there's no “gap” between what you owe and the car's value, so gap insurance has nothing to cover.
Compare quotes at this coverage
Free, no obligation. Ask providers for these coverage levels.
How these coverages work
Liability pays for injuries and property damage you cause to others — it's the part the law requires, and the part that protects your assets in a lawsuit. Sizing it to what you could lose is the whole game; our net-worth liability cheat sheet walks through the tiers.
Full coverage isn't an official type — it's liability plus comprehensive and collision, which repair or replace your own car. Whether it's worth it depends on the car's value and whether it's financed. See liability vs. full coverage for the trade-off, or our broader guide to how much coverage you need.
Uninsured/underinsured motorist covers your own injuries when an at-fault driver can't pay, and gap insurance covers the difference between what you owe and what a totaled car is worth.
Related guides
How much car insurance do I need?
A simple framework to choose the right coverage limits without overpaying.
Read guideLiability vs. full coverage: which do you need?
What 'full coverage' really means, how it differs from liability-only, and how to decide which fits your car.
Read guideHow Much Liability Car Insurance Do You Really Need? A Net-Worth-Based Cheat Sheet
A simple, net-worth-based way to pick liability limits that actually protect your assets — not just the state minimum.
Read guideThis free tool is for general education only. It is not insurance advice, an offer, a quote, or a price estimate, and theinsurancers.com is not a licensed insurance agent or broker. It never outputs premiums or costs — only general coverage levels. Recommendations are rules of thumb based on the answers you select and may not fit your specific situation; coverage names, availability, requirements, and your legally required minimum limits vary by state and by insurer. Retirement-account and home-equity protections from lawsuits also vary by state. Always confirm the right coverage with a licensed agent or your insurer before you buy.