Car insurance quote calculator
Is the cheaper quote cheaper, or just smaller?
Auto quotes are unusually easy to compare badly. The coverage sits behind a single number, and the differences don't surface until a claim.
Enter two quotes and this shows whether the price gap is a genuine saving or a reduction in what you'd be covered for.
Quote comparison
- Not comparable yet
- Coverage differs
- Price difference
- $90 per 6 months
- Liability difference
- $50,000 less on B
- Deductible difference
- $500 higher on B
Quote B is cheaper, but it isn't the same policy — see below before treating that as a saving.
Quote B is cheaper on price alone.
Lower liability limits leave more of your assets exposed in a serious at-fault claim. This is the difference that matters most.
You'd pay that difference out of pocket on every collision claim.
A cheaper auto quote usually means less coverage. This shows what you'd be giving up for the price difference — it doesn't estimate premiums.
Liability is the difference that matters
If the cheaper quote carries lower liability limits, that isn't a discount — it's a transfer of risk onto your assets in a serious at-fault claim.
That's the single most common reason one auto quote undercuts another, and the one worth resisting.
Deductibles move the price too
A higher deductible on the cheaper quote means you'd pay the difference on every collision claim. That may be a trade you're happy with — but make it knowingly.
Check the inputs as well as the coverage
Quotes also differ because they assume different things about you.
- Same drivers listed on both
- Same vehicles and same garaging address
- Same annual mileage assumption
- Same optional coverages included
Turn this into a real number
A calculator works with the figures you give it. A licensed insurance professional can tell you what’s actually available to you and what it would cost.
This tool performs arithmetic on the figures you enter. It does not estimate premiums, predict approval, or account for your state’s rules. Quote My Policy LLC is a licensed insurance producer.