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Insurance Calculators That Give You Real Answers

10 free, instant calculators covering every major insurance type. Enter your details and get a personalized estimate in seconds — no agent calls, no email required.

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📋 How to Use These Calculators

Select a CalculatorPick the insurance type you need from the tabs below

Enter Your DetailsAccurate inputs give more precise estimates

Review ResultsUse your estimate as a baseline when shopping quotes

Read the Full GuideEach calculator links to our in-depth article on that topic

Compare QuotesConsult a licensed agent using your calculated coverage amounts

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Life Insurance Calculator

Use the proven DIME method to calculate exactly how much life insurance your family needs — based on your real income, debts, and goals.

→ Browse all Life Insurance guides

Annual Income ($)

Years of Income to Replace

Total Debts — mortgage, loans ($)

Children’s Education Fund ($)

Final Expenses ($)

Existing Savings / Assets ($)

Recommended Life Insurance Coverage

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📚 Related Guides on Apex Insurance Inc:

Life Insurance Guides About Apex Insurance Insurance Directory

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Auto Insurance Calculator

Estimate your annual car insurance premium based on your vehicle, driving history, age, and mileage. Find out what’s driving your rate up.

→ Browse all Auto Insurance guides

Vehicle Value ($)

Driver Age

Years Licensed

Annual Mileage

At-fault accident past 3 years?

DUI/DWI past 5 years?

Estimated Annual Auto Premium

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📚 Related Guides on Apex Insurance Inc:

Auto Insurance Hub Find an Insurer

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Gap Insurance Calculator

Find out if you need gap insurance and exactly how much your loan exceeds your car’s market value — the number that matters if your car is totaled.

→ Read our Gap Insurance guide

Outstanding Loan Balance ($)

Car’s Current Market Value ($)

Comprehensive Deductible ($)

Loan Remaining (months)

Gap Coverage Required

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📚 Related Guides on Apex Insurance Inc:

Auto Insurance Hub Compare Insurers

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Home Insurance Calculator

Estimate your homeowners insurance premium based on rebuild cost, location risk level, and coverage selections. Never underinsure your biggest asset.

→ Browse Home & Property guides

Home Square Footage

Construction Quality

Location Risk

Personal Property Value ($)

Deductible ($)

Additional Structures ($)

Estimated Annual Home Insurance

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📚 Related Guides on Apex Insurance Inc:

Home & Property Hub Find Home Insurers

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PLPD Coverage Estimator

Estimate the right Personal Liability and Property Damage limits for your situation. Your coverage should protect everything you own — not just the legal minimum.

→ Read our PLPD coverage guide

Total Personal Assets ($)

Your State Type

Drivers in Household

Driving Record

Recommended PLPD Coverage

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📚 Related Guides on Apex Insurance Inc:

Auto Insurance Hub Compare Providers

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Commercial Trucking Calculator

Estimate annual insurance premiums for owner-operators and small fleets. Rates depend on truck type, haul radius, cargo classification, and CDL experience.

→ Browse Commercial Insurance guides

Truck Type

Haul Radius

Truck Value ($)

Cargo Type

Years CDL Experience

Estimated Annual Trucking Premium

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📚 Related Guides on Apex Insurance Inc:

Business Insurance Hub Find Commercial Insurers

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EV Insurance Calculator

Electric vehicles cost 15–40% more to insure than gas cars. Find out exactly what you’ll pay and why — battery replacement costs are the biggest driver.

→ Read our EV Insurance guide

EV Brand

Vehicle Purchase Price ($)

Driver Age

Coverage Level

Estimated Annual EV Premium

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📚 Related Guides on Apex Insurance Inc:

Auto Insurance Hub Compare EV Insurers

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Restaurant Liability Calculator

Estimate general liability and liquor liability costs for your food service business. Alcohol and revenue are the two biggest rate factors.

→ Browse Business Insurance guides

Restaurant Type

Annual Revenue ($)

Number of Seats

Serves Alcohol?

Estimated Annual Insurance Cost

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📚 Related Guides on Apex Insurance Inc:

Business Insurance Hub Find Restaurant Insurers

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Delivery Rider Coverage Gap Calculator

Your standard personal policy doesn’t cover you during active deliveries. Find out exactly how much coverage you’re missing — and what it costs to fix it.

→ Read our Delivery Rider Insurance guide

Vehicle Type

Delivery Platform

Hours Delivered Per Week

Vehicle Value ($)

Recommended Annual Add-On Coverage Cost

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📚 Related Guides on Apex Insurance Inc:

Auto Insurance Hub Compare Gig Worker Policies

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Health Insurance Subsidy Calculator

Estimate your ACA premium tax credit based on household income, size, and location. Find out how much the government will contribute to your monthly health premium.

→ Browse Life & Health Insurance guides

Household Size

State Cost Tier

Annual Household Income ($)

Age of Oldest Member

Employer offers affordable coverage?

Estimated Monthly Premium Tax Credit

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📚 Related Guides on Apex Insurance Inc:

Life & Health Hub Find Health Plans

🛠️ Open Source Calculator Toolkit

All calculators on this page are available as open-source HTML tools on GitHub. Free to use, fork, and embed. Built and maintained by Apex Insurance Inc.

View on GitHub Pages →

⚠️ Educational Estimates Only All calculator results are estimates based on industry averages and are provided for educational purposes only. Actual insurance premiums vary by insurer, state regulations, individual risk profile, and policy terms. Apex Insurance Inc. is not a licensed insurance provider. Always consult a licensed insurance agent before making coverage decisions.