Calculate, compare, understand, decide
Car Insurance Cost Estimator
Build a multiyear car insurance budget from editable planning assumptions and compare the real quotes you receive side by side.
Smart result
Your estimate will appear here
Change any editable assumption, calculate, then review the steps, assumptions and limitations before deciding.
How this estimate works
A planning budget applies your editable own-damage percentage to a declining insured value, then adds the third-party premium and add-ons you enter. Real quotes are listed side by side with their premium as a share of insured value.
Formula
- Year t own damage = value × (1 − decline)^(t−1) × planning %
- Year t total = own damage + third-party premium + add-ons
- Quote comparison = premium ÷ insured value
Limitations
- The planning percentage is not an insurer rate or regulator tariff.
- No-claim discounts, claims and driver profile appear only in real quotes.
- Coverage terms differ; compare like with like.
Data used
No insurer premium or regulator table is published by TechVodka. Quotes and the planning percentage are yours.
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Frequently asked questions
Is this a quote?+
No. Only an insurer's quote is binding. Use this to budget and to compare the quotes you receive.
Why is third-party premium optional?+
It is mandatory cover, but TechVodka does not publish it. If you leave it blank the budget warns that it is missing.
How accurate is this car insurance budget?+
It will provide an indicative estimate based on your inputs and the stated assumptions. Actual results can vary by location, equipment, tariff, and usage.
Can I use the result to make a purchase?+
Use it as a starting point, then confirm current prices, specifications, eligibility, and site requirements with a qualified provider.