Free calculators
Insurance tools you can use with your own numbers
34 calculators, quizzes and charts, each inside a guide that explains the result and the data behind it. No sign-up, no phone number, and nothing you type leaves your browser.
Car insurance 10 tools
Insurer shortlist builderFilter insurers by state, military status and price versus service.Open the tool →Driver profile comparisonSee which of the three big insurers tends to be cheapest for drivers like you.Open the tool →Three-quote worksheetLine up quotes with the same coverage so the comparison is fair.Open the tool →Full coverage testIs full coverage still worth it for your car’s value?Open the tool →File or pay?Compare a claim payout with the extra premium over the next few years.Open the tool →Clean-record countdownWhen tickets, accidents and DUIs stop affecting your rate.Open the tool →SR-22 and FR-44 decision treeFind out what filing you need and what it means for your policy.Open the tool →Price by age chartHow average premiums fall from 16 to 25.Open the tool →New driver checklistThe steps that lower a first policy’s price.Open the tool →EV vs gas cost simulatorInsurance plus fuel or charging, year by year.Open the tool →
Life insurance 6 tools
Priority matcherPick what matters most and see which insurers fit.Open the tool →Term vs whole life chartBuy term and invest the difference, or buy whole life?Open the tool →Life cover calculatorThe DIME method, step by step.Open the tool →Price map by ageMonthly term prices by age, term length and amount.Open the tool →No-exam route finderWhich kind of no-exam policy you are likely to qualify for.Open the tool →Payout over timeMortgage protection versus level term, year by year.Open the tool →
Home and renters 9 tools
Sortable insurer tableSort home insurers by price, satisfaction and claims.Open the tool →State price lookupYour state’s average premium and where it ranks.Open the tool →Covered or not?Eight real situations. Guess, then see why.Open the tool →Belongings calculatorHow much renters coverage you actually need.Open the tool →Bundle or split?One bundled insurer or two separate ones.Open the tool →Underwriter checklistHow insurers will see an older house, and what to fix first.Open the tool →Rebuild gap checkWould your policy rebuild the house after a disaster?Open the tool →Rental policy builderThe policy type and checklist for your rental.Open the tool →Which to quote firstState Farm or Allstate, based on your situation.Open the tool →
Health insurance 7 tools
Metal tier simulatorBronze, Silver or Gold over a full year of care.Open the tool →Subsidy cliff checkYour 2027 marketplace subsidy and the 400% line.Open the tool →Coverage route finderThe cheapest way to get covered without a job-based plan.Open the tool →Short-term vs ACA scenariosWhat each plan pays if something happens.Open the tool →Bridge to Medicare plannerYear-by-year cost from retirement to 65.Open the tool →HSA vs FSA calculatorTax savings, money lost and long-term growth.Open the tool →Medicare cost by scenarioA year of care priced three ways.Open the tool →
Reviews and shopping 2 tools
Lemonade fit scorecardHow well Lemonade matches your priorities.Open the tool →Comparison site quizWhich insurance comparison site suits you.Open the tool →
Tools give estimates for general guidance, based on published data and simplified assumptions explained in each guide. They are not quotes or personal advice. Prices and rules vary by state and insurer.