Auto Insurance Deductible Calculator
Last updated: October 15, 2026
Compare auto insurance deductible options using annual premium differences and an assumed collision or comprehensive claim.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated total cost with lower deductible
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- Total cost with higher deductible: —
- Premium savings over comparison period: —
- Extra claim cost with higher deductible: —
- Estimated lower-cost option: —
On this page
Quick summary: Compare auto insurance deductible options using annual premium differences and an assumed collision or comprehensive claim.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Compare auto insurance deductible options using annual premium differences and an assumed collision or comprehensive claim.
How to use it
Enter Assumed covered claim amount ($); Lower deductible ($); Annual premium with lower deductible ($); Higher deductible ($); Annual premium with higher deductible ($); Comparison period (years). Select Calculate to update the results.
How the calculation works
The calculator adds premiums over the selected period to the out-of-pocket deductible for one assumed covered claim.
Worked example: starting scenario
| Assumed covered claim amount ($) | 6000 |
|---|---|
| Lower deductible ($) | 500 |
| Annual premium with lower deductible ($) | 2100 |
| Higher deductible ($) | 1500 |
| Annual premium with higher deductible ($) | 1800 |
| Comparison period (years) | 3 |
| Estimated total cost with lower deductible | $6,800.00 |
|---|---|
| Total cost with higher deductible | $6,900.00 |
| Premium savings over comparison period | $900.00 |
| Extra claim cost with higher deductible | $1,000.00 |
| Estimated lower-cost option | Lower deductible by $100.00 |
Important limitations
It does not estimate claim probability, liability coverage, insurer surcharges, policy limits or whether a claim is covered. Quotes and deductible choices vary by insurer and vehicle.