Auto Insurance Estimate Calculator
Get an estimated auto insurance quote with this comprehensive calculator. Factor in your vehicle details, driving history, coverage preferences, and available discounts. Understand the difference between liability, collision, and comprehensive coverage. Perfect for drivers shopping for new insurance, comparing coverage options, or budgeting for vehicle expenses.
Try the Calculator
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export function autoInsuranceCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Auto Insurance Estimate Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Vehicle Information Section
const vehicleSection = form.addSubform('vehicle', { title: '🚗 Vehicle Information' });
vehicleSection.addRow(row => {
row.addDropdown('vehicleType', {
label: 'Vehicle Type',
options: [
{ id: 'sedan', name: 'Sedan' },
{ id: 'suv', name: 'SUV / Crossover' },
{ id: 'truck', name: 'Pickup Truck' },
{ id: 'minivan', name: 'Minivan' },
{ id: 'coupe', name: 'Coupe' },
{ id: 'sports', name: 'Sports Car' },
{ id: 'luxury', name: 'Luxury Vehicle' },
{ id: 'electric', name: 'Electric Vehicle' },
{ id: 'hybrid', name: 'Hybrid' }
],
defaultValue: 'sedan',
isRequired: true
}, '1fr');
row.addDropdown('vehicleAge', {
label: 'Vehicle Age',
options: [
{ id: 'new', name: 'New (0-2 years)' },
{ id: 'recent', name: 'Recent (3-5 years)' },
{ id: 'used', name: 'Used (6-10 years)' },
{ id: 'older', name: 'Older (11-15 years)' },
{ id: 'classic', name: 'Classic (15+ years)' }
],
defaultValue: 'recent',
isRequired: true
}, '1fr');
});
vehicleSection.addRow(row => {
row.addMoney('vehicleValue', {
label: 'Estimated Vehicle Value',
min: 1000,
max: 500000,
defaultValue: 25000,
tooltip: 'Current market value of your vehicle'
}, '1fr');
row.addDropdown('usage', {
label: 'Primary Use',
options: [
{ id: 'pleasure', name: 'Pleasure / Personal' },
{ id: 'commute-short', name: 'Commute (under 10 miles)' },
{ id: 'commute-long', name: 'Commute (10+ miles)' },
{ id: 'business', name: 'Business Use' }
],
defaultValue: 'commute-short'
}, '1fr');
});
vehicleSection.addRow(row => {
row.addInteger('annualMileage', {
label: 'Annual Mileage',
min: 1000,
max: 100000,
defaultValue: 12000,
tooltip: 'Estimated miles driven per year'
});
});
// Driver Information Section
const driverSection = form.addSubform('driver', { title: '👤 Driver Information' });
driverSection.addRow(row => {
row.addDropdown('age', {
label: 'Driver Age',
options: [
{ id: '16-19', name: '16-19 years' },
{ id: '20-24', name: '20-24 years' },
{ id: '25-34', name: '25-34 years' },
{ id: '35-44', name: '35-44 years' },
{ id: '45-54', name: '45-54 years' },
{ id: '55-64', name: '55-64 years' },
{ id: '65+', name: '65+ years' }
],
defaultValue: '35-44',
isRequired: true
}, '1fr');
row.addDropdown('gender', {
label: 'Gender',
options: [
{ id: 'male', name: 'Male' },
{ id: 'female', name: 'Female' }
],
defaultValue: 'male'
}, '1fr');
});
driverSection.addRow(row => {
row.addDropdown('maritalStatus', {
label: 'Marital Status',
options: [
{ id: 'single', name: 'Single' },
{ id: 'married', name: 'Married' },
{ id: 'divorced', name: 'Divorced' },
{ id: 'widowed', name: 'Widowed' }
],
defaultValue: 'single'
}, '1fr');
row.addDropdown('creditScore', {
label: 'Credit Score Range',
options: [
{ id: 'excellent', name: 'Excellent (750+)' },
{ id: 'good', name: 'Good (700-749)' },
{ id: 'fair', name: 'Fair (650-699)' },
{ id: 'poor', name: 'Poor (below 650)' }
],
defaultValue: 'good',
tooltip: 'Credit affects rates in most states'
}, '1fr');
});
driverSection.addRow(row => {
row.addDropdown('drivingRecord', {
label: 'Driving Record (past 3 years)',
options: [
{ id: 'clean', name: 'Clean - No incidents' },
{ id: 'minor', name: '1-2 Minor violations' },
{ id: 'accident', name: '1 At-fault accident' },
{ id: 'multiple', name: 'Multiple incidents' },
{ id: 'dui', name: 'DUI/DWI on record' }
],
defaultValue: 'clean',
isRequired: true
});
});
// Coverage Section
const coverageSection = form.addSubform('coverage', { title: '🛡️ Coverage Options' });
coverageSection.addRow(row => {
row.addDropdown('liability', {
label: 'Liability Coverage',
options: [
{ id: 'state-min', name: 'State Minimum' },
{ id: '50-100', name: '50/100/50 ($50k/$100k/$50k)' },
{ id: '100-300', name: '100/300/100 (Recommended)' },
{ id: '250-500', name: '250/500/250 (High)' }
],
defaultValue: '100-300',
isRequired: true,
tooltip: 'Bodily injury per person/per accident/property damage'
}, '1fr');
row.addDropdown('deductible', {
label: 'Deductible',
options: [
{ id: '250', name: '$250' },
{ id: '500', name: '$500' },
{ id: '1000', name: '$1,000' },
{ id: '2000', name: '$2,000' }
],
defaultValue: '500',
tooltip: 'Amount you pay before insurance kicks in'
}, '1fr');
});
coverageSection.addRow(row => {
row.addCheckbox('collision', {
label: 'Collision Coverage',
defaultValue: true,
tooltip: 'Covers your vehicle in accidents'
}, '1fr');
row.addCheckbox('comprehensive', {
label: 'Comprehensive Coverage',
defaultValue: true,
tooltip: 'Covers theft, weather, vandalism'
}, '1fr');
});
coverageSection.addRow(row => {
row.addCheckbox('uninsured', {
label: 'Uninsured/Underinsured Motorist',
defaultValue: true,
tooltip: 'Protection from uninsured drivers'
}, '1fr');
row.addCheckbox('medical', {
label: 'Medical Payments Coverage',
defaultValue: false,
tooltip: 'Covers medical expenses regardless of fault'
}, '1fr');
});
coverageSection.addRow(row => {
row.addCheckbox('roadside', {
label: 'Roadside Assistance',
defaultValue: false,
tooltip: 'Towing, flat tire, lockout help'
}, '1fr');
row.addCheckbox('rental', {
label: 'Rental Car Reimbursement',
defaultValue: false,
tooltip: 'Covers rental while your car is repaired'
}, '1fr');
});
// Discounts Section
const discountsSection = form.addSubform('discounts', { title: '💰 Available Discounts' });
discountsSection.addRow(row => {
row.addCheckbox('multiCar', {
label: 'Multi-Car (2+ vehicles)',
defaultValue: false
}, '1fr');
row.addCheckbox('bundleHome', {
label: 'Bundle with Home/Renters',
defaultValue: false
}, '1fr');
});
discountsSection.addRow(row => {
row.addCheckbox('goodDriver', {
label: 'Good Driver (5+ years clean)',
defaultValue: false
}, '1fr');
row.addCheckbox('defensiveDriving', {
label: 'Defensive Driving Course',
defaultValue: false
}, '1fr');
});
discountsSection.addRow(row => {
row.addCheckbox('lowMileage', {
label: 'Low Mileage (under 7,500/year)',
defaultValue: false
}, '1fr');
row.addCheckbox('antiTheft', {
label: 'Anti-Theft Device',
defaultValue: false
}, '1fr');
});
discountsSection.addRow(row => {
row.addCheckbox('payInFull', {
label: 'Pay in Full Discount',
defaultValue: false
}, '1fr');
row.addCheckbox('paperless', {
label: 'Paperless / Autopay',
defaultValue: false
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Quote Section
const quoteSection = form.addSubform('quote', { title: '💵 Estimated Premium', isCollapsible: false });
quoteSection.addRow(row => {
row.addPriceDisplay('annualPremium', {
label: 'Estimated Annual Premium',
computedValue: () => {
// Base rate calculation
const vehicleType = vehicleSection.dropdown('vehicleType')?.value() || 'sedan';
const vehicleAge = vehicleSection.dropdown('vehicleAge')?.value() || 'recent';
const vehicleValue = vehicleSection.money('vehicleValue')?.value() || 25000;
const usage = vehicleSection.dropdown('usage')?.value() || 'commute-short';
const annualMileage = vehicleSection.integer('annualMileage')?.value() || 12000;
const age = driverSection.dropdown('age')?.value() || '35-44';
const gender = driverSection.dropdown('gender')?.value() || 'male';
const marital = driverSection.dropdown('maritalStatus')?.value() || 'single';
const credit = driverSection.dropdown('creditScore')?.value() || 'good';
const record = driverSection.dropdown('drivingRecord')?.value() || 'clean';
const liability = coverageSection.dropdown('liability')?.value() || '100-300';
const deductible = coverageSection.dropdown('deductible')?.value() || '500';
// Base rate by vehicle type
const vehicleRates: Record<string, number> = {
'sedan': 1200, 'suv': 1350, 'truck': 1300, 'minivan': 1250,
'coupe': 1400, 'sports': 1800, 'luxury': 2000, 'electric': 1500, 'hybrid': 1300
};
let base = vehicleRates[vehicleType] || 1200;
// Vehicle age multiplier
const ageMultipliers: Record<string, number> = {
'new': 1.15, 'recent': 1, 'used': 0.85, 'older': 0.7, 'classic': 0.9
};
base *= ageMultipliers[vehicleAge] || 1;
// Add value-based premium for collision/comprehensive
if (coverageSection.checkbox('collision')?.value()) {
base += vehicleValue * 0.02;
}
if (coverageSection.checkbox('comprehensive')?.value()) {
base += vehicleValue * 0.01;
}
// Usage multiplier
const usageMultipliers: Record<string, number> = {
'pleasure': 0.9, 'commute-short': 1, 'commute-long': 1.15, 'business': 1.25
};
base *= usageMultipliers[usage] || 1;
// Mileage adjustment
if (annualMileage > 15000) base *= 1.1;
if (annualMileage < 7500) base *= 0.9;
// Driver age multiplier
const driverAgeMultipliers: Record<string, number> = {
'16-19': 2.5, '20-24': 1.7, '25-34': 1.1, '35-44': 1,
'45-54': 0.95, '55-64': 1, '65+': 1.1
};
base *= driverAgeMultipliers[age] || 1;
// Gender (young males pay more)
if (gender === 'male' && ['16-19', '20-24'].includes(age)) {
base *= 1.15;
}
// Marital status
if (marital === 'married') base *= 0.95;
// Credit score
const creditMultipliers: Record<string, number> = {
'excellent': 0.85, 'good': 1, 'fair': 1.2, 'poor': 1.5
};
base *= creditMultipliers[credit] || 1;
// Driving record
const recordMultipliers: Record<string, number> = {
'clean': 1, 'minor': 1.2, 'accident': 1.4, 'multiple': 1.7, 'dui': 2.5
};
base *= recordMultipliers[record] || 1;
// Liability coverage
const liabilityMultipliers: Record<string, number> = {
'state-min': 0.7, '50-100': 0.9, '100-300': 1, '250-500': 1.2
};
base *= liabilityMultipliers[liability] || 1;
// Deductible discount
const deductibleDiscounts: Record<string, number> = {
'250': 1.1, '500': 1, '1000': 0.9, '2000': 0.8
};
base *= deductibleDiscounts[deductible] || 1;
// Additional coverages
if (coverageSection.checkbox('uninsured')?.value()) base += 100;
if (coverageSection.checkbox('medical')?.value()) base += 75;
if (coverageSection.checkbox('roadside')?.value()) base += 30;
if (coverageSection.checkbox('rental')?.value()) base += 50;
// Apply discounts
let discountRate = 1;
if (discountsSection.checkbox('multiCar')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('bundleHome')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('goodDriver')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('defensiveDriving')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('lowMileage')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('antiTheft')?.value()) discountRate -= 0.03;
if (discountsSection.checkbox('payInFull')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('paperless')?.value()) discountRate -= 0.02;
base *= Math.max(discountRate, 0.6); // Cap discounts at 40%
return Math.round(base);
},
variant: 'large'
});
});
quoteSection.addRow(row => {
row.addPriceDisplay('monthlyPremium', {
label: 'Monthly Payment',
computedValue: () => {
const vehicleType = vehicleSection.dropdown('vehicleType')?.value() || 'sedan';
const vehicleAge = vehicleSection.dropdown('vehicleAge')?.value() || 'recent';
const vehicleValue = vehicleSection.money('vehicleValue')?.value() || 25000;
const usage = vehicleSection.dropdown('usage')?.value() || 'commute-short';
const annualMileage = vehicleSection.integer('annualMileage')?.value() || 12000;
const age = driverSection.dropdown('age')?.value() || '35-44';
const gender = driverSection.dropdown('gender')?.value() || 'male';
const marital = driverSection.dropdown('maritalStatus')?.value() || 'single';
const credit = driverSection.dropdown('creditScore')?.value() || 'good';
const record = driverSection.dropdown('drivingRecord')?.value() || 'clean';
const liability = coverageSection.dropdown('liability')?.value() || '100-300';
const deductible = coverageSection.dropdown('deductible')?.value() || '500';
const vehicleRates: Record<string, number> = {
'sedan': 1200, 'suv': 1350, 'truck': 1300, 'minivan': 1250,
'coupe': 1400, 'sports': 1800, 'luxury': 2000, 'electric': 1500, 'hybrid': 1300
};
let base = vehicleRates[vehicleType] || 1200;
const ageMultipliers: Record<string, number> = {
'new': 1.15, 'recent': 1, 'used': 0.85, 'older': 0.7, 'classic': 0.9
};
base *= ageMultipliers[vehicleAge] || 1;
if (coverageSection.checkbox('collision')?.value()) base += vehicleValue * 0.02;
if (coverageSection.checkbox('comprehensive')?.value()) base += vehicleValue * 0.01;
const usageMultipliers: Record<string, number> = {
'pleasure': 0.9, 'commute-short': 1, 'commute-long': 1.15, 'business': 1.25
};
base *= usageMultipliers[usage] || 1;
if (annualMileage > 15000) base *= 1.1;
if (annualMileage < 7500) base *= 0.9;
const driverAgeMultipliers: Record<string, number> = {
'16-19': 2.5, '20-24': 1.7, '25-34': 1.1, '35-44': 1,
'45-54': 0.95, '55-64': 1, '65+': 1.1
};
base *= driverAgeMultipliers[age] || 1;
if (gender === 'male' && ['16-19', '20-24'].includes(age)) base *= 1.15;
if (marital === 'married') base *= 0.95;
const creditMultipliers: Record<string, number> = {
'excellent': 0.85, 'good': 1, 'fair': 1.2, 'poor': 1.5
};
base *= creditMultipliers[credit] || 1;
const recordMultipliers: Record<string, number> = {
'clean': 1, 'minor': 1.2, 'accident': 1.4, 'multiple': 1.7, 'dui': 2.5
};
base *= recordMultipliers[record] || 1;
const liabilityMultipliers: Record<string, number> = {
'state-min': 0.7, '50-100': 0.9, '100-300': 1, '250-500': 1.2
};
base *= liabilityMultipliers[liability] || 1;
const deductibleDiscounts: Record<string, number> = {
'250': 1.1, '500': 1, '1000': 0.9, '2000': 0.8
};
base *= deductibleDiscounts[deductible] || 1;
if (coverageSection.checkbox('uninsured')?.value()) base += 100;
if (coverageSection.checkbox('medical')?.value()) base += 75;
if (coverageSection.checkbox('roadside')?.value()) base += 30;
if (coverageSection.checkbox('rental')?.value()) base += 50;
let discountRate = 1;
if (discountsSection.checkbox('multiCar')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('bundleHome')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('goodDriver')?.value()) discountRate -= 0.1;
if (discountsSection.checkbox('defensiveDriving')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('lowMileage')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('antiTheft')?.value()) discountRate -= 0.03;
if (discountsSection.checkbox('payInFull')?.value()) discountRate -= 0.05;
if (discountsSection.checkbox('paperless')?.value()) discountRate -= 0.02;
base *= Math.max(discountRate, 0.6);
// Monthly with small fee
return Math.round((base / 12) * 1.03);
},
variant: 'success'
}, '1fr');
row.addPriceDisplay('savings', {
label: 'Your Discounts',
computedValue: () => {
let totalDiscount = 0;
if (discountsSection.checkbox('multiCar')?.value()) totalDiscount += 10;
if (discountsSection.checkbox('bundleHome')?.value()) totalDiscount += 10;
if (discountsSection.checkbox('goodDriver')?.value()) totalDiscount += 10;
if (discountsSection.checkbox('defensiveDriving')?.value()) totalDiscount += 5;
if (discountsSection.checkbox('lowMileage')?.value()) totalDiscount += 5;
if (discountsSection.checkbox('antiTheft')?.value()) totalDiscount += 3;
if (discountsSection.checkbox('payInFull')?.value()) totalDiscount += 5;
if (discountsSection.checkbox('paperless')?.value()) totalDiscount += 2;
return Math.min(totalDiscount, 40);
},
variant: 'default',
suffix: '% off'
}, '1fr');
});
// Summary Section
const summarySection = form.addSubform('summary', {
title: '📋 Summary',
isCollapsible: false,
sticky: 'bottom'
});
summarySection.addRow(row => {
row.addTextPanel('summaryText', {
computedValue: () => {
const vehicleType = vehicleSection.dropdown('vehicleType')?.value() || 'sedan';
const liability = coverageSection.dropdown('liability')?.value() || '100-300';
const vehicleLabels: Record<string, string> = {
'sedan': 'Sedan', 'suv': 'SUV', 'truck': 'Truck', 'minivan': 'Minivan',
'coupe': 'Coupe', 'sports': 'Sports Car', 'luxury': 'Luxury', 'electric': 'EV', 'hybrid': 'Hybrid'
};
const liabilityLabels: Record<string, string> = {
'state-min': 'State Minimum', '50-100': '50/100/50', '100-300': '100/300/100', '250-500': '250/500/250'
};
const hasCollision = coverageSection.checkbox('collision')?.value();
const hasComprehensive = coverageSection.checkbox('comprehensive')?.value();
let coverage = liabilityLabels[liability];
if (hasCollision && hasComprehensive) coverage += ' + Full Coverage';
else if (hasCollision) coverage += ' + Collision';
else if (hasComprehensive) coverage += ' + Comprehensive';
return `${vehicleLabels[vehicleType]} | ${coverage}`;
},
customStyles: { 'font-size': '0.95rem', 'font-weight': '500', 'text-align': 'center', 'color': '#1e293b' }
});
});
summarySection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'This is an estimate only. Actual premiums vary by insurer and location. Get quotes from multiple providers.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'text-align': 'center' }
});
});
form.configureSubmitButton({
label: 'Get Official Quote'
});
}
Frequently Asked Questions
What factors affect auto insurance rates?
Key factors include your age, driving history, vehicle type, location, credit score, annual mileage, coverage levels, and deductible amounts. Younger drivers and those with accidents pay more.
What's the difference between liability, collision, and comprehensive?
Liability covers damage you cause to others. Collision covers your vehicle in accidents. Comprehensive covers non-collision damage like theft, weather, and vandalism.
How much auto insurance do I need?
At minimum, you need your state's required liability limits. Most experts recommend 100/300/100 coverage. If you have significant assets, consider higher limits or an umbrella policy.
How can I lower my auto insurance costs?
Bundle policies, maintain good credit, increase deductibles, take defensive driving courses, ask about low-mileage discounts, and shop around annually. Good drivers qualify for safe driver discounts.