Insurance calculators that give you a real number in seconds
Estimate life, auto, home, health and disability coverage and cost — instantly, privately, and free. Every estimate runs in your browser on published 2026 average-rate data, with sources on every page.
Built on NAIC, the Insurance Information Institute, IRS and KFF data.
Free insurance calculators
Pick a tool — each is instant and needs no signup.
Life insurance needs
How much coverage you need, using the DIME method.
Open calculator →Term life premium
Estimated monthly premium by age, term and health.
Open calculator →Auto insurance cost
Typical premium by state, age and coverage level.
Open calculator →Home & renters
Estimated annual premium by state and coverage.
Open calculator →Health / ACA subsidy
Marketplace cost and subsidy by income and household.
Open calculator →Disability insurance
Income-replacement coverage you should carry.
Open calculator →
How it works
- 1
Enter a few details
Your age, state, coverage — whatever the tool needs. Nothing is stored.
- 2
Get an instant estimate
We compute it in your browser from sourced 2026 average-rate data.
- 3
Compare a real quote
Use the estimate as your baseline, then get an exact quote from a licensed provider.
Why people trust Tavenza
Sourced, never invented
Every figure traces to an authoritative source, cited on the page.
Private by design
All math runs in your browser. No account, no stored personal data.
Kept current
Versioned 2026 data with a visible last-updated date and methodology.
Read our methodology and editorial policy.
Insurance guides
All guides →How much life insurance do I need?
A simple way to decide how much life insurance you need — the DIME method, the 10–12× income rule, and how to size a policy for your family. With a free calculator.
Read →Term vs. whole life insurance
Term vs. whole life insurance, explained simply: cost, cash value, who each suits, and why most families choose term. Compare with a free rate calculator.
Read →How to lower your car insurance
Nine proven ways to cut your car insurance premium — from comparing quotes and bundling to deductibles, discounts and usage-based programs. Estimate your cost free.
Read →