Free Insurance Cost Estimators

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

Home Insurance

State-based premium benchmarks scaled to your dwelling coverage, with the deductible/credit/claims levers quantified — the is-my-quote-fair tool. Open the Home Insurance →

Health Premiums

Marketplace math after the premium tax credit: your expected contribution by income, the benchmark-silver mechanics, and the metal-tier decision. Open the Health Premiums →

Life Insurance

DIME-method coverage (debts, income years, mortgage, education) minus what you have — and the term-insurance price reality that makes the answer affordable. Open the Life Insurance →

Car Insurance

Full-coverage benchmarks built from the real rating factors — age curve, record, credit, state — with the fair range that grades any quote. Open the Car Insurance →

Renters

Room-by-room replacement value of your stuff, the ~$15–30/mo premium that covers it, and the liability protection that's the policy's real muscle. Open the Renters →

Flood Insurance

NFIP and private-market estimates built on the Risk Rating 2.0 factors that actually set the price — first-floor height, distance to water, foundation, rebuild cost — plus the coverage caps and the 30-day waiting period that catches storm-watchers. Open the Flood Insurance →

Umbrella

Coverage sized to net worth + future income, the risk factors that argue for more, and the $200–400/yr price of the first million. Open the Umbrella →

LTC Insurance

Care costs projected to your claim decade, premiums by the age you buy, and the three honest strategies — traditional, hybrid, self-insure. Open the LTC Insurance →

Medigap

Plan G vs Plan N vs Medicare Advantage as total annual cost at your utilization — plus the six-month window that decides your options forever. Open the Medigap →

Dental Insurance

Premiums vs your predicted dental year under the 100/80/50 structure and $1,500 maximum — the insurance-or-cash answer, personalized. Open the Dental Insurance →

Vision Insurance

Premium + copays vs your actual eyewear year — with the online-glasses strategy that changed the answer for most families. Open the Vision Insurance →

Pet Insurance

Lifetime premiums against realistic vet-cost scenarios — the insure-vs-emergency-fund decision, run for your actual pet. Open the Pet Insurance →

Business Liability

GL, professional liability and BOP premiums benchmarked by industry risk and revenue — plus which coverages your contracts actually require. Open the Business Liability →

Cyber Insurance

Premiums by revenue and records held, breach-cost math that justifies (or doesn't) the policy, and the security controls that now gate coverage. Open the Cyber Insurance →

Workers' Comp

Both sides of the system: employer premiums (payroll × class-code rate × mod) and the ~66% wage-replacement benefits injured workers receive. Open the Workers' Comp →

How to Choose the Right Tool

Shopping for a policy, use the matching estimator (home, auto, renters, health, dental, vision, pet) to benchmark quotes before you talk to an agent. Deciding how much coverage you need, the Life Insurance Needs and Umbrella calculators size the answer from your finances. Homeowners near water should check Flood Insurance (standard policies exclude it), retirees comparing Medicare supplements should use the Medigap comparator, and small businesses can benchmark Business Liability, Cyber and Workers' Comp costs.

Frequently Asked Questions

Are these real quotes?

No — they're estimates built from published average rates and documented rating factors. Actual quotes depend on underwriting details these tools can't see. Use them to benchmark quotes, not replace them.

Where do the average premiums come from?

From publicly available industry and regulator data (NAIC, state insurance departments, healthcare.gov benchmarks), noted on each tool with the data vintage.

Why do estimates differ from my actual quote?

Insurers weigh claims history, credit-based scores and local risk models that vary by company. A quote well above the estimated range is a signal to shop more carriers.

Is my personal information safe?

Yes — no health condition, address or income you enter ever leaves your browser.

Explore More WiserWork Categories

WiserWork offers 423 free browser-based tools across 26 categories — all private, all free, no sign-up required.