Auto insurance coverage calculator

Choosing the right coverage

Getting the right level of car insurance is not one size fits all. What is most important to one consumer isn’t necessary for another.

That’s why it’s critical to get the car insurance that fits your needs.’s Car Insurance Coverage Calculator is a quick way to find the right car insurance levels and options for you. While getting the cheapest car insurance is most important for some consumers, another person may want the broadest possible protection. Our calculator understands that personalization is vital when deciding on the best car insurance coverage for your situation.

The calculator includes a short questionnaire that asks you questions about:

• Your zip code
• Net worth
• Age of your vehicle
• Deductible level
• Whether you own, lease or finance your vehicle
• If cheapest car insurance or best protection is most important to you

After completing the questions, the calculator will tell you the right level of insurance for you. You’ll also know whether you are paying for unneeded car insurance coverage or if you don’t have the right level of insurance to protect you and your family’s finances.

How much car insurance do I need?

The calculator recommends the right level of car insurance coverage for you based on your answers. This coverage can include:

• Bodily injury liability
• Property damage liability
• Uninsured/Underinsured motorist bodily injury
• Umbrella liability policy
• Comprehensive and collision
• Personal injury protection
• Gap insurance

We’ll also give you an option to compare car insurance rates from top car insurance companies side-by-side. You can then purchase the policy directly from, proceed to an insurance carrier’s website or speak to a licensed insurance agent over the phone. 


Speak with insurance experts and ask questions before finalizing your plans or if you want help regarding our services. Our dedicated staff is more than happy to call and guide you.

The #1 Insurance Site

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

*National average annual car insurance savings by new customers surveyed who saved with Ask Medical Insurance in 2017.

Ask Medical Insurance Home Advantage® policies are placed through Ask Medical Insurance Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you.

Discount varies and is not available in all states or situations

**Annual premium for a basic liability policy excludes travel trailer and is not available in all states.

††Annual premium for a basic liability policy excludes travel trailer and is not available in all states. No. 1 specialty RV insurer from 2016 Millward-Brown national survey data. RV insurance not available in DC or HI, and Travel Trailer insurance not available in MA.

A leader in boat insurance from 2016 Millward-Brown national survey data.

No. 1 commercial auto insurer from SNL Financial’s 2015 national written premium data.

Savings based on 2015 consumer data collected by Hagerty on single car policies, with premiums $5000 and under, from several daily driver ("Everyday") auto insurance carriers.

Learn more about comparison rates, which are available through Ask Medical Insurance Direct® in most states and situations. Rate comparisons provided here are based on our Ask Medical Insurance Direct auto insurance price and product, and do not include prices and products available from Ask Medical Insurance agents.

Name Your Price® is available in most states for new policies. Price and coverage match limited by state law. Amounts entered outside of our range of coverage prices will be shown the closest available coverage package.