Last updated: May 11, 2026
Welcome to InsuranceCostCity. By accessing or using insurancecostcity.com, you agree to these Terms of Service. If you do not agree, please do not use the site.
InsuranceCostCity provides insurance cost comparison data, interactive calculators, embeddable widgets, educational articles, and related tools (the "Services") for general informational and educational purposes. You may use the Services for personal research and comparison.
You agree not to: reproduce, duplicate, sell, resell, or commercially exploit the Services without our written permission; use automated systems to access the site at a volume beyond what a human would generate; or use the Services for any unlawful purpose.
Content on the site, including calculator and widget outputs, is general and educational. It is not insurance advice, financial advice, legal advice, or tax advice. It is not a quote, a binding offer, or a recommendation to purchase any specific insurance product. Insurance costs, coverage, and availability vary significantly by individual situation. Always consult a licensed insurance agent or broker in your state before making purchasing decisions, and verify rates, coverage, exclusions, deductibles, and carrier terms directly with the carrier.
See our Disclaimer for the full statement of what InsuranceCostCity is and is not.
Our calculators and embeddable widgets produce modeled estimates based on simplified assumptions and average data. Outputs are not quotes, are not guarantees, are not policy recommendations, and are not underwriting decisions. They should not be relied on as if they were. Your specific premium will depend on the property or vehicle, the driver or homeowner, credit, claims history, coverage levels, deductibles, discounts, and the carrier's underwriting.
You are responsible for verifying any information you rely on before acting on it, including:
• Current rates with carriers or licensed agents
• Coverage scope, exclusions, and endorsements
• Deductibles, sub-limits, and policy form specifics
• Discounts you may qualify for
• State-specific requirements and protections
We compile information from multiple sources and apply documented methodology to estimate costs. We do not guarantee the accuracy, completeness, or timeliness of any information on the site. See our Data Methodology and Corrections Policy.
The site may link to third-party sites, including carriers, agencies, comparison platforms, and educational resources. Some outbound links are affiliate links. See our Affiliate Disclosure and Advertising & Sponsorship Policy. We are not responsible for the content, accuracy, or practices of third-party sites. Inclusion of a link is not an endorsement.
The site's content — text, calculators, data compilations, layout, code, logos, and graphics — is owned by InsuranceCostCity or its licensors and is protected by intellectual property laws. You may not reproduce or commercially use the content without written permission, except as allowed by the Widget Terms for the embeddable widget.
If you embed an InsuranceCostCity widget on your site, your use is also governed by the Widget Terms. Paid Pro subscriptions are additionally governed by the Refund & Cancellation Policy.
You will not use the Services to: present widget outputs as binding quotes; imply that you or InsuranceCostCity is selling, recommending, or underwriting insurance; misrepresent estimates as carrier-confirmed pricing; or infringe any rights of any third party.
To the maximum extent permitted by law, InsuranceCostCity and its creators are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Services, including without limitation damages arising from insurance purchasing decisions made based on information on the site.
You agree to indemnify and hold harmless InsuranceCostCity and its operators from claims arising out of your violation of these terms or your misuse of the Services, including misuse of the widget or misrepresentation of widget output.
We may modify these terms at any time. Changes are reflected in the "Last updated" date. Continued use after a change constitutes acceptance.
Questions about these Terms: legal@insurancecostcity.com, or use the contact page.
Privacy Policy · Disclaimer · Affiliate Disclosure · Advertising Policy · Widget Terms · Refund & Cancellation Policy · Data Methodology · Corrections Policy