Car Insurance Calculator

The Math of Auto Insurance Coverage

At The Hartford, we believe insurance doesn’t have to be complicated. In fact, we’ve made it simple with our car insurance calculator. With three easy questions, we’ll help you estimate how much coverage you may need and provide tips to help you decide.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
LinkedIn Profile
Updated: 06/10/2025
Read Time: 6 minutes
Get a Quote
Drive with confidence knowing you have the coverage you need.
Retrieve Saved Quote
couple pleased with using The Hartford's car insurance calculator
Quote Today
Start Quote

Key Takeaways

  • If you’re deciding on coverage amounts, The Hartford created an auto insurance calculator to help you choose which limits best meet your unique needs.
    There are many factors that influence the cost of car insurance. For example, the price varies based on where you live because every state has different minimum required coverage amounts. Our calculator will take these factors into account when generating your personalized result.
  • The Hartford helps ensure you have enough protection to enjoy peace of mind behind the wheel and offers discounts to help you save. In fact, AARP members who switch to The Hartford can save an average of $577† on their car insurance.
woman pleased after using The Hartford's auto insurance calculator

The Hartford’s Car Insurance Calculator

When it comes to car insurance, there is no one-size-fits-all coverage. Our calculator can help if you’re wondering, “How much car insurance do I need?”
All you have to do is answer three basic questions:
 
  • Where you live
  • Whether you own, lease or finance your vehicle
  • What your insurance goals are - to save the most money or to have the highest level of protection
This tool acts as both a car insurance valuation calculator and a coverage planning assistant. Using your responses and The Hartford’s database of knowledge, our calculator  will generate recommended car insurance coverage amounts to help achieve your personal insurance goals. Additionally, by using our car insurance ZIP code calculator, you can view coverage recommendations based on your local state requirements. We’ll ensure your results meet your state’s required auto coverages, which we’ll provide. That way, you’ll know exactly how much you need, at a minimum, to drive safely where you live.
shield icon
Unsure About Your Coverage?
Answer 3 quick questions to learn which coverage might be right for you.
Why Do We Ask This?
States have requirements for how much car insurance coverage drivers must have. The minimum required amount can vary for bodily injury liability, property damage liability and uninsured and underinsured motorist coverage.
Why Do We Ask This?
If you lease or finance your car, the lender or leasing company typically has coverage requirements and may have to be named on the policy.
When It Comes To Insurance, What Matters Most?

Why Do We Ask This?
Everyone has different needs for car insurance. If you want to pay less for coverage, you'll have higher out-of-pocket costs with a claim. If you want the most protection, you'll pay more for coverage but have lower out-of-pocket costs with a claim.
While it’s a great tool to use when choosing your insurance, our calculator won’t estimate car insurance costs. Since insurance rates are based on various complex factors, you’ll have to get a car insurance quote to know how much your specific policy will cost.

Frequently Asked Questions About Car Insurance Calculators

Ultimately, you’ll want to make sure you have enough protection to be totally covered if an accident occurs. Otherwise, you’ll have to pay out of pocket for any repairs or replacements needed.
 
If you don’t know specifically how much car insurance you need, using a car insurance estimator can help. You can use it to calculate insurance for the cars you own, depending on your personal needs. 
 
At The Hartford, we’ve created one that generates personalized results with minimum coverage requirements in your state for bodily injury liability insurance and property damage liability coverage. These coverages help cover costs if you hurt another person or damage property in an accident. Our calculator will also estimate how much underinsured/uninsured motorists bodily injury coverage you may want, which helps protect you if you get into an accident with a hit-and-run motorist or a driver who doesn't have any or enough auto insurance coverage.
 
Additional coverages to extend your protection include:
 
  • Personal injury protection, also known as no-fault insurance, to help pay for medical bills or lost wages after a car accident, regardless of who's at fault.
  • Medical payments coverage to help cover medical expenses and rehabilitation. This will also protect you if you’re injured as a pedestrian or when riding a bike.2
  • Collision insurance to help cover damage to your vehicle. Collision coverage is not required by state laws, but your lender may require you to have it.
  • Comprehensive coverage to help pay for damages to your car from things like natural disasters, theft, vandalism or collision with an animal. Comprehensive insurance is also not required by state laws, but it may be included in your lender’s requirements.
If you’re wondering how to calculate vehicle insurance for yourself, it’s important to look at multiple variables. Insurance companies have different risk tolerances and use unique formulas to calculate car insurance rates. How much you pay for car insurance is also based on many personal factors, such as your:
 
Driving Record
Maintaining a clean driving record can help you save money on car insurance. By being a safe driver and having no collisions, at-fault accidents or violations for at least five years on your driving history, you can save up to 10% on your auto insurance policy with The Hartford.
 
Age
As a group, drivers aged 50 and older are considered relatively safe on the road, driving fewer miles and modifying driving habits in poor driving conditions. This can lead to lower car insurance costs. Designed for experienced drivers, AARP members can get exclusive benefits with The Hartford, including car insurance savings of up to 10% for simply having an AARP membership.†
 
However, it’s important to remember that car insurance costs are dependent on many different factors. Some studies have shown that your risk of being involved in a fatal accident increases with age for every mile driven, which could impact the cost of car insurance for seniors.3 To learn more and get your personal AARP member quote, call The Hartford at 888-546-9099.
 
Location
Living in an urban area that’s more populated can increase the risk of car accidents or theft, which may influence the cost of car insurance. Using an estimated insurance cost tool gives you a clearer picture of the coverage options that suit your needs and helps you understand average rates in your area before requesting a formal quote.
 
Make and Model of Your Car
Cars go through crash safety tests to measure the risk of serious injuries in an accident. If the car you drive is newer and has a high safety test score, you may have a lower car insurance price.
 
Average Miles Driven in a Year
Even though accidents can still happen close to home, how far you drive, on average, can affect how much you pay for car insurance.
 
Coverage Needs
If your lender requires you to carry comprehensive and collision coverages or you’re insuring multiple cars, then your car insurance costs may be higher than someone with less coverage or just one vehicle on their policy. You may also want optional coverages to extend your protection. It’s important to remember that the cheapest car insurance may not protect you when you need it, especially if the value of your car is high and costly to repair or replace. By comparing car insurance quotes with the same coverage limits and deductibles, you can choose the policy that’s best for you.
AARP members who switch to The Hartford can save an average of $577 on their car insurance.† That’s because The Hartford offers  car insurance discounts designed for experienced drivers. You can take advantage of these savings when you:
 
  • Quote online: You can save up to 8% when you get a car insurance quote online from The Hartford.
  • Pay your bill on time to save up to 10% or get extra discounts by paying in full instead of making monthly payments.
  • Bundle your car and home insurance policies to save over $800** with the AARP® Auto and Home Insurance Program from The Hartford.1
  • Sign up for The Hartford’s TrueLane Program,^ a usage-based smartphone app that recognizes and rewards safe driving.^ You’ll save up to 15% when you sign up within 60 days of your first policy.^ Plus, you can earn a renewal discount of up to 40%, depending on your safe driving habits.
  • Complete approved driving courses, like a defensive driver course. These courses can grant you a discount of up to 5% on your car insurance for the next three years.
You can get a car insurance quote online or by calling The Hartford at 800-546-9099. You’ll need to provide:
 
  • Personal details, like your name, address and date of birth.
  • Vehicle information, like make, model and ownership status. Tip: Knowing your vehicle identification number (VIN) will provide the most accurate auto quote.
  • Basic details about any additional drivers who will be on the policy.

Related Articles

 
 
2 Insurance Information Institute (III), “Senior Driving Safety and Insurance Tips”
 
3 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
^ Not available in all states, terms and conditions apply.
† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.