Free Insurance Calculators & Tools
Use our free, no-sign-up-required calculators to estimate your insurance needs and costs. Built by the Cover Forge USA editorial team.
Our free insurance calculators give you instant, personalized estimates without requiring an account or sharing personal contact details. Each tool is built by the Cover Forge USA editorial team and updated with current rate data so the numbers you see reflect real-world 2026 costs — not outdated averages.
How Our Calculators Work
Every calculator on Cover Forge USA is powered by rate data from the National Association of Insurance Commissioners (NAIC), state insurance department filings, and aggregated carrier data. The editorial team reviews all formulas quarterly and adjusts for market shifts, new state regulations, and carrier repricing. Results are estimates — always get a personalized quote from a licensed agent for binding coverage decisions.
Life Insurance Calculator
Estimate how much life insurance coverage you need based on your income, debts, dependents, and financial goals. Get a personalized recommendation in seconds.
Launch Tool →Home Insurance Calculator
Get a ballpark homeowners insurance estimate based on your state, home value, year built, and roof age — no personal data required.
Launch Tool →Auto Coverage Quiz
Answer 5 quick questions to find out exactly how much auto insurance you need. Learn whether liability-only or full coverage makes financial sense for you.
Launch Tool →COBRA Calculator
Calculate your true COBRA continuation coverage cost including the 2% administrative fee. Compare it to marketplace alternatives so you can make the smart choice.
Launch Tool →ACA Subsidy Calculator
See if you qualify for a 2026 ACA premium tax credit, your income-capped contribution, and where the 400% FPL subsidy cliff falls — from your income and household size.
Launch Tool →Pet Insurance Calculator
Estimate monthly pet insurance premiums for dogs and cats based on breed, age, location, and coverage level. See if pet insurance makes financial sense for you.
Launch Tool →State Minimum Auto Insurance Checker
Look up the minimum auto liability requirements for every US state, plus PIP, UM/UIM, and other state-specific rules.
Launch Tool →Deductible Savings Calculator
See how much you can save in annual premium by raising your auto or home deductible — and the break-even years before that savings is wiped out by a single claim.
Launch Tool →Bundle Savings Calculator
Compare the cost of buying auto and home/renters from one carrier vs separate carriers, and see whether bundling saves you money in your state.
Launch Tool →Home Inventory Builder
Build a printable home inventory room-by-room to support a Coverage C personal property claim. Saves locally to your browser — nothing leaves your device.
Launch Tool →Umbrella Insurance Calculator
Get a suggested umbrella liability limit based on net worth, assets, and lifestyle risk factors (pool, teen driver, dog, rental property).
Launch Tool →Business Insurance Checklist Generator
Generate a personalized business insurance checklist based on your industry, employee count, and revenue — covers BOP, GL, workers' comp, cyber, and professional liability.
Launch Tool →Should I File a Claim? Calculator
Weigh a claim's payout against your deductible and the premium increase it can trigger — so you know whether filing is actually worth it.
Launch Tool →Disability Income Gap Calculator
Compare your take-home pay to what disability insurance would replace, and size the individual coverage needed to close the gap.
Launch Tool →Medicare Enrollment Timeline Tool
Enter your birth month for a personalized Medicare enrollment timeline — your Initial Enrollment Period, Part B rules, and deadlines to avoid late penalties.
Launch Tool →Roof Age Risk Checker
See how your roof's age and material affect your home insurance — whether it's covered at replacement cost or ACV, and non-renewal risk.
Launch Tool →GAP Insurance Calculator
Compare your car loan balance to your vehicle's value to see if you're upside-down — and how much a total loss could cost you without GAP coverage.
Launch Tool →Long-Term Care Cost Calculator
Project the future cost of nursing home, assisted living, or in-home care after inflation — and see how much to plan for since Medicare won't cover most of it.
Launch Tool →Home Replacement Cost Calculator
Estimate the dwelling coverage (Coverage A) needed to rebuild your home from square footage and construction quality — replacement cost, not market value.
Launch Tool →Teen Driver GDL Rules Checker
Look up your state's graduated licensing rules for teen drivers — permit age, required practice hours, and night and passenger restrictions. Sourced from the IIHS.
Launch Tool →SR-22 & FR-44 by State Checker
See whether your state requires an SR-22, an FR-44 (Florida and Virginia), or no filing at all after a serious violation — plus the typical filing period.
Launch Tool →Workers' Comp Requirements Checker
See whether workers' compensation is required in your state, the employee threshold that triggers it, sole-proprietor rules, and the average cost per $100 of payroll.
Launch Tool →Motorcycle Laws by State Checker
Look up your state's motorcycle helmet law and whether liability insurance is required, plus notable rules for riders.
Launch Tool →HSA Contribution Calculator
Calculate your maximum HSA contribution using the current IRS limits, with the age-55 catch-up and partial-year proration.
Launch Tool →FSA Contribution Calculator
Estimate how much to elect for your 2026 Health FSA, your tax savings at the $3,400 IRS limit, and your use-it-or-lose-it forfeiture risk.
Launch Tool →Medicare IRMAA Calculator
Estimate your Medicare Part B and Part D income surcharge (IRMAA) from your MAGI and filing status, with the full bracket table.
Launch Tool →FAIR Plan Finder
Can't get homeowners insurance? See whether your state has a FAIR plan or insurer of last resort, its type, and any coastal wind pool.
Launch Tool →No-Fault vs At-Fault by State
Is your state no-fault or at-fault? Look up any state's auto-insurance fault system, PIP requirement, and uninsured-motorist rule.
Launch Tool →Medicare Plan Landscape by State
CMS 2026 data: how many Medicare Advantage and Part D plans your state has, the average premium, and $0-premium availability.
Launch Tool →Claim & Lawsuit Deadlines by State
Your state's deadline to sue for injury or property damage — plus why your real insurance-claim deadline (your policy's suit-limitation clause) is usually much sooner.
Launch Tool →Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.