Insurance Calculators

Calculate business insurance coverage needs with revenue-based analysis, employee count assessment, and industry risk factors. Estimate costs for General Liability, Professional Liability, Workers Comp, Commercial Property, and BOP policies to protect your business from financial losses in 2025.

Estimate car insurance rates by zip code for 2025. Compare average premiums across different locations, coverage levels, and demographics. See how your zip code affects liability, collision, and comprehensive costs. Get personalized rate estimates based on local accident statistics, theft rates, and state minimums. Find the cheapest insurance providers in your area.

Calculate disability insurance coverage needs based on income, expenses, and existing benefits. Estimate monthly benefit amount, elimination period impact, and premium costs for short-term and long-term disability insurance to protect income if unable to work due to illness or injury in 2025.

Calculate life insurance income replacement needs based on salary, dependents, years of support needed, and existing coverage. Determine how much coverage will replace 70-80% of income for surviving family members. Accounts for Social Security survivor benefits, spouse income, inflation (2-3%), investment returns (4-6%), and debt payoff. Provides lump sum needed and annual payout analysis.

Calculate life insurance coverage needed based on income replacement (10-12x salary), debt payoff, education funding, and final expenses. Factor in existing coverage, savings, and Social Security survivor benefits for accurate protection planning.

Calculate long-term care insurance needs based on care costs ($4,500-$9,000/month for nursing homes), inflation protection, benefit period (2-5 years), and elimination period. Compare traditional LTC vs hybrid life/LTC policies.

Calculate 2025 Medicare IRMAA (Income-Related Monthly Adjustment Amount) surcharges for Part B and Part D based on Modified Adjusted Gross Income (MAGI). Input 2023 tax year MAGI, filing status (single/joint/married separate), and see monthly/annual surcharges, total Medicare premiums, income brackets ($103,000-$500,000+), and 2-year lookback explanation. Includes surcharge tiers (0-5), appeals process for life-changing events, provisional income calculations, and Social Security hold harmless provision analysis. Essential for retirement income planning and Medicare cost optimization.

Compare Medicare Supplement (Medigap) plans G, N, and F with premium cost analysis, coverage gap calculations, and out-of-pocket expense projections. Estimate total annual costs including premiums, deductibles, and copays to choose the best Medigap plan for your healthcare needs in 2025.

Calculate motorcycle insurance costs based on bike type, rider age, coverage level, and location. Compare liability-only vs full coverage premiums for sport bikes, cruisers, touring bikes, and dirt bikes. Essential tool for new riders and experienced motorcyclists. Includes 2025 average rates by state, age discounts (25+ and 50+ riders), and multi-policy savings. Estimate annual premiums ranging from $400-$3000+ based on your specific profile.

Calculate optimal term life insurance coverage using comprehensive needs analysis including income replacement (10x annual income rule), mortgage payoff, debt elimination, children's education funding ($100k+ per child), and emergency reserves. Compare 10/15/20/25/30-year term options with estimated premiums based on age, health, and coverage amount. Factors in spouse income offset, existing assets, employer-provided coverage, and Social Security survivor benefits. Shows coverage gap analysis, monthly premium estimates by term length ($50-200/month typical for $500k-1M coverage), and laddering strategies to reduce costs over time. Essential for parents, homeowners, and primary earners determining adequate protection while balancing affordability.

Calculate whole life insurance premiums, cash value growth, and death benefits. Compare whole life vs term life costs, analyze cash value accumulation over 10-30 years, and estimate policy loans. Free calculator with 2025 rates for $100K-$5M coverage.

Compare 2025 term life insurance rates by age, gender, and health class. See how much 10, 15, 20, 25, or 30-year term life insurance costs. Calculate monthly premiums for $100K to $5M coverage. Includes rate tables, age comparison charts, and term vs whole life comparison.