How this works: Enter your current (or estimated) 6-month premium and deductible below. We'll show illustrative comparisons for other common deductible levels using typical industry rules of thumb — not a real quote from any insurer. Actual rate changes vary by carrier, state, driving record and vehicle.
| Deductible | Est. 6-mo premium | vs. current | Your cost on the sample claim |
|---|
Estimates use typical published rules of thumb for how physical-damage premium tends to shift between common deductible tiers. They are illustrative only, apply to the comprehensive/collision portion of a policy, and are not a quote. Liability coverage generally does not use a deductible. Your real rate depends on your insurer, state, vehicle and driving record.
Ready for real numbers?
This calculator shows the trade-off. A real quote shows your actual rate at each deductible level.
Get your real quote →Sources & further reading
National Association of Insurance Commissioners (NAIC) consumer auto-insurance guidance. For state-specific requirements, consult your state insurance department.
How Car Insurance Deductibles Work · Insurance Disclosure · Editorial Standards