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Insurance & Protection · Property & Casualty
Auto Insurance Coverage Calculator
Short answer: What does the Auto Insurance Coverage Calculator calculate?
The Auto Insurance Coverage Calculator works out suggested bodily injury limit per accident, assets at risk and assets above your current limit. Check whether your auto liability limits protect what you own, and whether a higher collision deductible pays off. It uses US rules and USD, and it is free to use on this page.
Try the Auto Insurance Coverage Calculator
See the liability limit that protects your assets — results update as you type.
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Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.
Put this calculator on your websiteWhat this calculator does
What the Auto Insurance Coverage calculator works out
The Auto Insurance Coverage Calculator is a free, embeddable calculator from CalcFunnel. Check whether your auto liability limits protect what you own, and whether a higher collision deductible pays off.
You enter 8 inputs: home equity, savings & taxable investments, other assets, bodily injury per accident, lower deductible, higher deductible, annual premium with lower deductible and annual premium with higher deductible.
It returns suggested bodily injury limit per accident, assets at risk, assets above your current limit, umbrella policy, annual savings with higher deductible and claim-free years to break even.
Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.
Results it shows
- 01Suggested Bodily Injury Limit per Accident
- 02Assets at Risk
- 03Assets Above Your Current Limit
- 04Umbrella Policy
- 05Annual Savings with Higher Deductible
- 06Claim-Free Years to Break Even
The first figure — suggested bodily injury limit per accident — is the headline result.
Inputs
What you can change
Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 6 results update as they type.
Assets to Protect
- Home Equity
- Home value minus what you owe. Some states shelter part of it (homestead exemption), but counting all of it is the cautious choice.
- Savings & Taxable Investments
- Bank accounts, brokerage accounts and other non-retirement investments. Retirement plans such as 401(k)s generally have strong protection from creditors.
- Other Assets
- Rental property equity, business interests, boats and other valuable property.
Current Liability Limits
- Bodily Injury per Accident
- The second number of your split limits (the 300 in 100/300/100) — the most the policy pays for injuries to everyone in one accident.
Collision Deductible Choice
- Lower Deductible
- The lower collision deductible you are considering.
- Higher Deductible
- The higher collision deductible you are considering.
- Annual Premium with Lower Deductible
- The yearly premium from your quote with the lower deductible. The default is only a placeholder.
- Annual Premium with Higher Deductible
- The yearly premium from your quote with the higher deductible. The default is only a placeholder.
Definitions
Auto Insurance Coverage terms, defined
The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.
- Liability limits (split limits)Límites de responsabilidad civil (límites divididos)
- Auto liability is usually written as three numbers, such as 100/300/100: $100,000 for injuries to one person, $300,000 for all injuries in one accident, and $100,000 for property damage. It pays for harm you cause to others, including legal defense, not damage to your own car.La responsabilidad civil del auto suele expresarse con tres números, como 100/300/100: $100,000 por lesiones a una persona, $300,000 por todas las lesiones en un accidente y $100,000 por daños a la propiedad. Paga el daño que usted cause a otros, incluida la defensa legal, no los daños a su propio auto.
- Assets at riskBienes en riesgo
- What someone could collect if a judgment exceeds your insurance: home equity, savings, taxable investments and other property. Retirement accounts and part of your home equity may be protected under federal or state law. Future wages can also be garnished, which this calculator does not include.Lo que alguien podría cobrar si una sentencia supera su seguro: plusvalía de la vivienda, ahorros, inversiones gravables y otros bienes. Las cuentas de jubilación y parte de la plusvalía de su vivienda pueden estar protegidas por leyes federales o estatales. También se pueden embargar sus salarios futuros, algo que esta calculadora no incluye.
- State minimum coverageCobertura mínima estatal
- The lowest liability limits your state allows. In many states they are $25,000 per person or less — far below the cost of a serious injury. Meeting the minimum keeps you legal but can leave your savings and home exposed.Los límites de responsabilidad civil más bajos que permite su estado. En muchos estados son de $25,000 por persona o menos, muy por debajo del costo de una lesión grave. Cumplir el mínimo lo mantiene dentro de la ley, pero puede dejar expuestos sus ahorros y su vivienda.
- Umbrella policyPóliza paraguas
- Extra liability coverage, usually sold in $1 million layers, that pays after your auto or home liability limit is used up. Insurers usually require you to carry certain underlying auto and home limits first. It is a common next step once assets exceed what the highest auto limit covers.Cobertura adicional de responsabilidad civil, normalmente vendida en capas de $1 millón, que paga cuando se agota el límite de responsabilidad civil de su auto o su vivienda. Las aseguradoras suelen exigir primero ciertos límites mínimos en las pólizas de auto y vivienda. Es un paso común cuando sus bienes superan lo que cubre el límite más alto del auto.
- Collision deductibleDeducible de colisión
- What you pay toward repairs to your own car after an accident before collision coverage pays the rest. A higher deductible lowers your premium but raises what you pay each time you claim.Lo que usted paga por las reparaciones de su propio auto después de un accidente antes de que la cobertura de colisión pague el resto. Un deducible más alto reduce su prima, pero aumenta lo que paga cada vez que presenta un reclamo.
- Break-even yearsAños para recuperar la diferencia
- The extra amount you would pay per claim with the higher deductible, divided by the yearly premium you save. If it is 2.5 years, the higher deductible comes out ahead as long as you go more than two and a half years between claims on average.El monto adicional que pagaría por reclamo con el deducible más alto, dividido entre la prima anual que ahorra. Si es de 2.5 años, el deducible más alto resulta mejor siempre que pasen, en promedio, más de dos años y medio entre reclamos.
- Uninsured/underinsured motoristConductor sin seguro o con seguro insuficiente
- Coverage that pays for your injuries when the at-fault driver has no insurance or too little. Many advisers suggest matching it to your own liability limits, because medical bills and lost wages can be large.Cobertura que paga sus lesiones cuando el conductor culpable no tiene seguro o tiene muy poco. Muchos asesores sugieren igualarla a sus propios límites de responsabilidad civil, porque las cuentas médicas y los salarios perdidos pueden ser altos.
Inline, without an iframe
Paste the snippet where the Auto Insurance Coverage Calculator should appear. It renders into your page, fills the width of its container and grows to fit.
Best for: Landing pages, blog posts, calculator pages
- Estimate my payment
Popup button
A button sits on your page; one click opens the calculator in a popup over it.
Best for: Pricing sections, hero areas, listings
Floating corner widget
Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.
Best for: Site-wide, always one click away
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Your own link or button
Give any existing link, button or image a class and it opens the calculator when clicked.
Best for: Menus, images, in-text links
- Try the calculator →
Direct link
A full-page link to the calculator for emails, social posts, QR codes or a menu item.
Best for: Email, social, print, QR codes
Floating launcher
A bubble in the corner of every page opens a menu of your calculators.
6 ready-made designs
Tabs
Calculators side by side in one block on the page, switched with tabs.
6 ready-made designs
Buttons
A row of buttons; each one opens its calculator in a popup.
6 ready-made designs
Cards grid
A grid of cards with an icon and a short blurb; click to open the calculator.
6 ready-made designs
FAQ
Auto Insurance Coverage calculator FAQs
Still stuck? Ask the team — we reply within one business day.
Q.01What does the Auto Insurance Coverage Calculator calculate?
Check whether your auto liability limits protect what you own, and whether a higher collision deductible pays off. It returns suggested bodily injury limit per accident, assets at risk, assets above your current limit, umbrella policy, annual savings with higher deductible and claim-free years to break even.
Q.02What information do I need to use the Auto Insurance Coverage Calculator?
You enter 8 inputs: home equity, savings & taxable investments, other assets, bodily injury per accident, lower deductible, higher deductible, annual premium with lower deductible and annual premium with higher deductible. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Home Equity” mean in the Auto Insurance Coverage Calculator?
Home value minus what you owe. Some states shelter part of it (homestead exemption), but counting all of it is the cautious choice.
Q.04What does “Savings & Taxable Investments” mean in the Auto Insurance Coverage Calculator?
Bank accounts, brokerage accounts and other non-retirement investments. Retirement plans such as 401(k)s generally have strong protection from creditors.
Q.05Is the Auto Insurance Coverage Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Auto Insurance Coverage Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Auto Insurance Coverage Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Auto Insurance Coverage Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Auto Insurance Coverage results financial advice?
No. Estimates only. The liability suggestion matches your per-accident bodily injury limit to the assets you enter; lawsuits can also reach future wages, and courts and state laws vary. State minimum limits are often far lower than what a household with assets needs. Premiums are the quotes you enter — this calculator does not price coverage. Available limits and umbrella requirements vary by insurer. Consult a licensed insurance professional.
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The Auto Insurance Coverage Calculator is one of 208 calculators you can brand and embed with one line of code.
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