4 calculators · 50 states · Free

Insurance Calculators

Estimate your insurance costs instantly. All calculators use state-level data from NAIC filings and industry reports.

HomeownersRentersLandlordAuto

Homeowners Insurance Estimator

National average: $2,801/yr

Estimate your annual homeowners insurance premium based on your home's value, location, construction type, and deductible. See how your costs compare to state and national averages.

Property Details
$
Estimated Annual Premium
$6,043Above Average
$504/month in Texas
Monthly Cost
$504
estimated premium
vs National Avg
+116%
Avg: $2,801/yr
State Average
$5,180
Texas avg/yr
Per $1,000 Value
$17.27
rate per $1K coverage
Cost Factors in Texas
hurricane riskPrimary
tornado riskContributing
severe hailContributing
floodingContributing
high litigationContributing
Top ProviderState Farm

Renters Insurance Calculator

National average: $290/yr

Calculate your renters insurance cost based on the value of your belongings, your state, and your preferred deductible. Renters insurance also includes liability protection and temporary housing coverage.

Coverage Details
Value of belongings
$
Estimated Annual Premium
$336Average
$28/month in Texas
Monthly Cost
$28
estimated premium
vs National Avg
+16%
Avg: $290/yr
State Average
$336
Texas avg/yr
Liability Included
$100K
standard coverage
What's Covered
Personal Property$30,000
Liability Protection$100,000
Additional Living Expenses20% of coverage
Medical Payments$5,000
Your Deductible$500

Landlord Insurance Calculator

National average: $3,501/yr

Estimate landlord insurance premiums for your rental property. Factor in property value, rental income, and number of units to see your insurance-to-rent ratio and compare costs by state.

Property Details
$
$
1-10
Estimated Annual Premium
$7,554Above Average
$630/month for 1 unit in Texas
Monthly Cost
$630
estimated premium
% of Gross Rent
35.0%
insurance-to-rent ratio
Per Unit Cost
$7,554
annual per unit
Lost Rent Coverage
12 months
if property uninhabitable
Annual Breakdown
Gross Rental Income$21,600
Landlord Insurance−$7,554
After Insurance$14,046
vs Homeowners Policy+25%% more

Auto Insurance Comparison

National average: $2,100/yr

Compare auto insurance costs across states. Adjust for your age, preferred coverage level, and driving record to get a personalized estimate of your annual and monthly premium.

Driver Details
years
Estimated Annual Premium
$2,184Average
$182/month in Texas
Monthly Cost
$182
estimated premium
vs National Avg
+4%
Avg: $2,100/yr
State Average
$2,184
Texas avg/yr
6-Month Premium
$1,092
common billing cycle
Premium Factors
Base State Rate$2,184
Age Factor1x
Coverage Factor1x
Record Factor1x
Your Premium$2,184