How Much Auto Insurance Coverage Do I Need?
Get personalized coverage recommendations in 30 seconds. No more guessing—know exactly how much liability, comprehensive, and collision coverage protects your assets.
Calculate Your Coverage Needs
Why Use This Calculator?
Asset Protection
Your liability coverage should match your net worth. If you're sued after an accident, your savings, home, and investments could be at risk.
State-Aware
We factor in your state's minimum requirements and show you how your recommended coverage compares.
No Upselling
We're not selling insurance. We give you unbiased recommendations so you can shop for quotes confidently.
Frequently Asked Questions
How is my recommended coverage calculated?
We calculate your net worth (assets minus debt) and recommend liability coverage that protects those assets. The general rule is your liability coverage should equal or exceed your net worth, so you're protected if you're sued after an accident.
What's the difference between liability, comprehensive, and collision?
Liability covers damage you cause to others. Collision covers your car in an accident. Comprehensive covers non-collision damage (theft, weather, vandalism). If your car is financed, you'll likely need all three.
Do I really need more than the state minimum?
State minimums are often dangerously low. For example, California's minimum of $15,000 won't cover a serious injury. If you have any assets to protect, you should carry higher limits.
What is gap insurance and do I need it?
Gap insurance covers the difference between what you owe on your car loan and the car's actual value if it's totaled. You need it if you're underwater on your loan (owe more than the car is worth).
Is my information saved?
No. All calculations happen in your browser. We don't store any of your financial information.