Free Calculator

Insurance Premium Impact Calculator

Enter your current annual premiums and score tier, then choose a target tier. Estimates the annual and 10-year premium impact of the improvement.

Current annual auto premium ($)

Current annual home premium ($)

Current insurance-score tier

Target insurance-score tier

Projected auto premium

$1093/yr

Projected home premium

$972/yr

Annual savings

$1335/yr

10-year savings

$13348

Estimate only — not an offer or approval decision

Assumptions used

Multipliers are illustrative national averages from published NAIC and Consumer Reports studies; carrier-specific tables vary.
California, Hawaii, Massachusetts, and Michigan restrict or prohibit credit-based insurance scoring — expect little to no impact there.
Estimated 'base' premium assumes your entered premium reflects your current tier multiplier.

Not included in this estimate

At-fault claims, tickets, and lapse-in-coverage surcharges
Discounts (bundling, telematics, paid-in-full, autopay)
State-specific rate filings and underwriting rules
Deductible and coverage-limit changes

Real rates, payments, and eligibility depend on the lender or issuer, your credit profile, and current market conditions. Verify current terms directly with the provider before making a financial decision.