Deductible Tradeoff Calculator
A higher deductible lowers your premium but raises what you pay when something happens. Enter the two options an insurer offered you and see where the line is.
Results
- Premium saved per year with B
- Extra you pay per claim with B
- Claim-free years to break even
- 5-year total, option A
- 5-year total, option B
How to read this
The break-even number is how many years in a row you'd need to go without a claim before the premium you saved covers the extra deductible for one claim. If it's short and you have the extra deductible set aside in savings, the higher deductible often makes sense. If it's long, or a surprise bill of that size would be hard to cover, the lower deductible buys peace of mind. Read more in The Deductible Decision.
Everything runs in your browser — nothing you type is sent or saved. Results are illustrative estimates for learning purposes, not advice or an offer of coverage.