Free calculator · October 2026
Car insurance coverage calculator
How much liability, uninsured motorist, collision, comprehensive and gap coverage fits your situation, based on your state’s rules and published claim data, with a source for every number.
Choose your state to see your coverage suggestions.
About these suggestions. They are general information to help you compare coverage, not insurance, legal or financial advice, and not a recommendation of any policy or company. They are calculated from your answers and from published figures: claim averages compiled by ISO, a Verisk Analytics business, and uninsured-driver estimates from the Insurance Research Council, both as published by the Insurance Information Institute, plus each state’s minimum limits from its insurance regulator (see Sources). Averages may not reflect your costs, and coverage, prices and availability vary by insurer and state. Insurance Quote Market is not an insurance company or a licensed insurance agent. Before you change your coverage, review your policy and talk with a licensed agent or your state insurance department. We’re paid by insurance companies and agents that may contact you if you request quotes; see how we’re paid.
How the calculator works
- Liability. It starts at the limits the insurance industry and consumer groups generally recommend, $100,000 per person and $300,000 per accident for injuries[1], and never below your state’s minimum. If what you could lose in a lawsuit is more than $300,000, it suggests at least $250,000 per person, the auto liability most insurers want before selling a $1 million umbrella policy[3], plus an umbrella sized to what you have.
- Uninsured motorist. It shows the Insurance Research Council’s estimate of uninsured drivers in your state[5] and suggests matching your liability limits, so you’re as protected from an uninsured driver as they would be from you.
- Collision and comprehensive. If you have a loan or lease, your lender almost always requires both. Otherwise it uses Triple-I’s rule: if the car is worth less than 10 times what the coverage costs a year, it may not be cost effective[6].
- Deductible. The highest common deductible ($250, $500, $1,000 or $2,000) that your cash on hand would cover.
- Gap insurance. Suggested when you owe more than the car is worth[7].
Claim averages are 2024 paid claims from ISO, a Verisk Analytics business, as published by the Insurance Information Institute[2]. Property damage, uninsured motorist matching and the deductible steps are our own suggestions, not a published rule.
Frequently asked questions
How much car insurance do I need?
Enough liability to protect what you could lose in a lawsuit. Industry and consumer groups generally recommend at least $100,000 per person and $300,000 per accident for injuries, well above most state minimums. Add collision and comprehensive if you have a loan or lease or couldn’t easily replace your car.
Is the state minimum enough?
Usually not. The average bodily injury liability claim was $28,278 in 2024, more than the per-person minimum in many states, and you can be held responsible for costs above your limits.
When should I drop collision and comprehensive?
When the car is worth less than 10 times what the coverage costs a year, according to the Insurance Information Institute, and only if you could repair or replace the car yourself. A lender will usually require both until the loan is paid off.
Do I need an umbrella policy?
If you have more to protect than your auto liability limits cover. Most insurers want at least $250,000 of auto liability before selling a $1 million umbrella, which typically costs $200–$300 a year.
How many drivers are uninsured?
About 15.4% of U.S. drivers were uninsured in 2023, according to the Insurance Research Council, from 5.7% in the lowest state to 28.2% in the highest.
Sources
- Insurance Information Institute (Triple-I): 8 auto insurance myths
- Triple-I: Facts + Statistics: Auto insurance (claim data from ISO, a Verisk Analytics business)
- Triple-I: Should I purchase an umbrella liability policy?
- Triple-I: How much auto coverage do I need?
- Triple-I: Facts + Statistics: Uninsured motorists (Insurance Research Council, 2025 study of 2023 data)
- Triple-I: Nine ways to lower your auto insurance costs
- Triple-I: What is gap insurance?
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Journalists, schools and websites are welcome to link to this calculator or cite its figures. Please credit Insurance Quote Market and the original sources above. Spotted something out of date? Email support@insurancequotemarket.com.
General information, not insurance or legal advice. The right coverage depends on your policy, your state and your finances; a licensed agent can help with your own situation.
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