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Auto Insurance Estimator

U.S. only tools

Every state sets minimum liability limits, and most drivers are told to "carry at least the minimum" without being told what the minimum actually pays. On a highway crash, $30,000 of bodily injury cover is gone in one emergency-room visit. This page takes the quote you are actually holding and shows it three ways: whether each of your three limits meets the state minimum, how much your per-person limit would pay on four realistic single-car claims, and what your annual premium costs per mile and per $1,000 of cover. This page currently covers 25 states. For other states, relevant data cannot yet be verified through official sources, so they are not included. We rely strictly on official information—no guessing or fabrication—so that every figure on this page has a reliable source.

Auto Insurance Estimator - Danfio

https://danfio.com/tools/auto-insurance-estimator-calculator/ - printed from this page

Currency: USD ($) - display only, nothing was converted

Choose your state to check against its minimum liability limits. This page models the 25 states listed here only - for a state that is not listed, check its own regulator. Some states like Florida and Michigan have different structures (PIP/PDL or opt-down), and no-fault states require PIP separately, which is not checked here.

$

The premium on the quote you are checking. The page annualises it (x2) and never prices a policy itself.

$

The per-person bodily injury limit on the quote, usually the first number in the 30/60/25 code.

$

The per-accident aggregate on the quote, the middle number of the code.

$

The property damage limit on the quote, the last number of the code.

Used only for the miles-per-premium-dollar read on the annual premium.

Results update as you type. Nothing leaves your device.

Currency symbol

Symbol only - nothing is converted and no exchange rate is used. Figures quoted in the explanation text stay as the sources publish them.

Annual auto insurance premium

$1,300.00

$650.00 six-month quote x2 - meets the Texas minimum liability limits (30/60/25).

The quote against the minimum

Checked against
Texas 30/60/25 minimum liability limits
Meets every minimum?
Yes
Cost per $1,000 of bodily cover
$13.00 a year
Miles per premium dollar
9.2 miles on the annual premium

Are your limits above the state minimum?

LimitYour policyState minimumVerdict
Bodily injury, per person (30)$100,000.00$30,000.00Above
Bodily injury, per accident (60)$300,000.00$60,000.00Above
Property damage (25)$50,000.00$25,000.00Above

The "30/60/25" code is bodily injury per person / bodily injury per accident / property damage. Carrying the state minimum is the floor, not a plan: one serious injury claim commonly exceeds $30,000.

What your per-person limit pays on a single-car claim

ClaimYour limit paysOut of your pocket
Fender bender, no injuries$5,000.00$0.00
One person, modest injuries$50,000.00$0.00
One person, serious injury$100,000.00$50,000.00
One person, catastrophic injury$100,000.00$400,000.00

Each of those per-person figures sits under the same per-accident aggregate, which caps what the policy pays for everyone hurt in the accident at once.

The claims above assume one injured person and clean liability. Pricing, underwriting and medical ratings stay with the insurer - this page checks a real quote, it does not replace one.
This page models the minimum liability limits for the 25 states listed in the form. A state that is not listed is not checked, and this page will not substitute another state's limits for yours: read your own state's insurance regulator or statute before relying on a quote.
Minimums are pinned to the official snapshots: Texas 30/60/25 (sources/tdi-cb020.html) and California 30/60/15 for policies effective on or after 2025-01-01 (sources/ca-dmv-insurance-requirements.html).

The premium is yours, from the insurer, because pricing depends on the driver, the car and the carrier - the one thing a calculator must never invent. The page only recombines your quote against fixed, statutory numbers and printed claim scenarios.

About this auto insurance estimator

Pull out the declarations page from your current policy and read the three limits printed there. The estimator takes the six-month premium and the three liability limits on your quote, checks them against the minimums of the twenty-five supported states (Texas, California, Georgia, New York, Pennsylvania, Ohio, North Carolina, Virginia, Arizona, Michigan, Florida, Colorado, Connecticut, Iowa, Kansas, Maryland, Minnesota, Missouri, Nebraska, Nevada, Mississippi, North Dakota, Oklahoma, South Carolina and South Dakota), and sizes the per-person bodily injury limit against a set of single-car claims.

The method is printed in full on the page, and every number it shows - the minimums, the annual premium, the per-claim payouts - is recomputable from the printed inputs. Danfio sells no data and moves no leads for any insurer; there is no brokerage and no funnel to a quote form.

Car insurance is underwritten individually: the driving record, the vehicle, the mileage and the carrier set the real price, and only a licensed agent can quote it. Nothing on this page is financial, insurance or legal advice, and "at least the minimum" is a legal floor, not a coverage plan.

How this auto insurance estimator works

Where the premium comes from

A car insurance price is set by the carrier from the driver, the vehicle, the mileage, the claims history and the rules of the state the car is garaged in, and no calculator can reproduce that underwriting. This page therefore never prices a policy. It asks for the six-month premium printed on a quote you already hold, doubles it for the annual figure, and treats every number below as arithmetic on your own quote.

The doubling is the whole of the premium math: the annual figure is the six-month premium times two, rounded to the cent, and it is the base for the two value reads further down. Nothing here credits a paid-in-full discount, a multi-policy discount or an installment fee, so an annual premium assembled from twelve monthly payments can differ from this figure by whatever the carrier charges to let you pay that way.

Two results look strange at the edges and are worth stating plainly. With a six-month premium of $0 the page still returns the limit verdicts, because those checks compare limits with statutes and never look at price; the cost per $1,000 of cover and the miles per premium dollar both print zero instead of a division error. The premium is the only price on the page: the deductible, the discounts and the installment fees a real policy carries never enter these figures.

Reading the minimum liability code

Minimum limits print as three numbers - bodily injury per person, bodily injury per accident and property damage. Each supported state sets its own statutory numbers. As examples, Texas requires 30/60/25, which means $30,000 for one injured person, $60,000 for everyone hurt in a single accident, and $25,000 for property damage, and California requires 30/60/15 for policies with an effective date on or after January 1, 2025, so the two bodily injury figures match Texas while the property damage floor is $10,000 lower. Two supported rows break the three-number pattern and say so: Florida requires PIP and property damage liability and no bodily injury liability at all for private cars, so its two bodily injury rows print as not required, and Michigan prints the 50/100/10 floor its statute lets an insured sign down to, which sits below the 250/500/10 default. Except for the distinct structures in Florida and Michigan, the remaining states use the same shape of three numbers. You can see the specific minimums for each state directly in the dropdown menu above. The page checks your entered limits line by line against the state’s requirements, marking them as "Above" or "Below", so it is clear exactly which row failed and what needs to be adjusted.

The page checks each of your three limits against the state you pick and marks the row Above or Below. The test is an at-least comparison, so a limit that exactly equals the minimum passes: 30/60/25 satisfies Texas even though nothing on the policy exceeds the floor. All three rows have to pass before the quote is reported as meeting the state financial-responsibility requirement, and when one fails the warning names the code to raise every short line to. In Florida the two bodily injury rows carry no state floor at all, so only the property damage row can come up short.

The check is about legality, not adequacy, and it is blind to the rest of the policy. A quote at the minimum passes even when the premium is enormous, the deductible is high or the driver has a poor record; no amount of extra coverage elsewhere can rescue a single limit that sits below the floor. Reading the three verdicts in order tells you exactly which line to raise and to what number.

Sizing the per-person bodily injury limit

The state minimum is a floor for driving legally, not a promise about what a crash costs. The page runs four printed single-car claims against your per-person limit: a $5,000 fender bender with no injuries, a $50,000 claim for one person with modest injuries, $150,000 for one serious injury and $500,000 for one catastrophic injury. On each row the policy pays the smaller of the claim and your per-person limit, and the remainder is printed as money out of your pocket.

The amounts are chosen so the cutoffs are visible. At the Texas minimum of $30,000 the fender bender is paid in full and the $50,000 row leaves $20,000 with the household, while the serious and catastrophic rows leave $120,000 and $470,000. Raise the per-person limit to $100,000 and the same four rows pay $5,000, $50,000, $100,000 and $100,000, so the last two stop at the limit and the household carries the rest.

Every row assumes one injured person and clean liability, which is why the per-accident aggregate is not applied inside the table; it appears only in the legality check above, where all three limits are compared with the statute. The rows are illustrative scenarios for sizing a limit, not quotes, predictions or any carrier rate table, and the page says so instead of letting a printed scenario read like a claims estimate.

What the premium buys, per mile

Two crude value reads give you something to compare across quotes: the annual premium per $1,000 of per-person bodily injury cover, and the miles your whole annual premium buys at the mileage you enter. Neither is a quality grade. A cheap premium per mile can carry exactly the thin limits the claim table has just exposed, and an expensive one may still be the better purchase for a household with assets to protect.

The per-$1,000 figure divides the annual premium by the per-person limit in thousands and prints it to the cent. It falls as the limit rises, which is the point: doubling a $100,000 limit to $200,000 at the same premium halves the cost of each $1,000 of cover. A limit of $0 prints $0.00 rather than dividing by zero, and a very large limit can round the same figure to $0.00 - a rounding artifact, not free coverage.

The miles figure divides the annual mileage you enter by the annual premium and prints one decimal. A $1,300 annual premium with 12,000 miles comes to about 9.2 miles per premium dollar. Read those numbers beside the claim table rather than on their own: they describe what the quote costs, while the table describes what it would pay on a bad day.

Worked examples

Each example below was run through the calculator on this page when the site was built, so the numbers match what you see when you enter the same inputs.

The default Texas quote at healthy limits

State the policy covers: Texas - 30/60/25 minimums · Your six-month premium: $650.00 · Bodily injury, per person: $100,000.00 · Bodily injury, per accident: $300,000.00 · Property damage: $50,000.00 · Miles driven a year: 12,000 mi

Annual auto insurance premium

$1,300.00

$650.00 six-month quote x2 - meets the Texas minimum liability limits (30/60/25).

Checked against: Texas 30/60/25 · Meets every minimum?: Yes · Cost per $1,000 of bodily cover: $13.00 · Miles per premium dollar: 9.2 miles

$1,300 a year against the Texas 30/60/25 minimums. Every limit clears easily - and on the catastrophic single-car row the $100,000 per-person limit still leaves $400,000 with you, which is what a higher limit or an umbrella policy is for.

A Texas policy cut to the state minimum

State the policy covers: Texas - 30/60/25 minimums · Your six-month premium: $480.00 · Bodily injury, per person: $30,000.00 · Bodily injury, per accident: $60,000.00 · Property damage: $25,000.00 · Miles driven a year: 15,000 mi

Annual auto insurance premium

$960.00

$480.00 six-month quote x2 - meets the Texas minimum liability limits (30/60/25).

Checked against: Texas 30/60/25 · Meets every minimum?: Yes · Cost per $1,000 of bodily cover: $32.00 · Miles per premium dollar: 15.6 miles

Meets Texas exactly - and shows why the floor is not a plan. The $30,000 per-person limit covers the modest-injuries row and stops there; on a serious single-car injury the household is left $120,000 out of pocket.

The California limit check

State the policy covers: California - 30/60/15 minimums · Your six-month premium: $720.00 · Bodily injury, per person: $30,000.00 · Bodily injury, per accident: $60,000.00 · Property damage: $15,000.00 · Miles driven a year: 10,000 mi

Annual auto insurance premium

$1,440.00

$720.00 six-month quote x2 - meets the California minimum liability limits (30/60/15).

Checked against: California 30/60/15 · Meets every minimum?: Yes · Cost per $1,000 of bodily cover: $48.00 · Miles per premium dollar: 6.9 miles

Passes the California 30/60/15 minimum for policies effective on or after 1 January 2025. Notice where the two states differ: California allows the property damage limit to sit at $15,000 while Texas demands $25,000, so two states can both say "passes the minimum" while protecting very different amounts.

A quote that fails the minimum

State the policy covers: Texas - 30/60/25 minimums · Your six-month premium: $420.00 · Bodily injury, per person: $25,000.00 · Bodily injury, per accident: $50,000.00 · Property damage: $15,000.00 · Miles driven a year: 9,000 mi

Annual auto insurance premium

$840.00

$420.00 six-month quote x2 - does not meet the Texas minimum liability limits (30/60/25).

Checked against: Texas 30/60/25 · Meets every minimum?: No · Cost per $1,000 of bodily cover: $33.60 · Miles per premium dollar: 10.7 miles

All three limits come up short of 30/60/25, so every row is marked Below and the warning notes the policy cannot satisfy the state financial-responsibility requirement. The fix is specific: raise each line to at least 30/60/25, not just "buy more coverage" in the abstract.

Frequently asked questions

What do the numbers in 30/60/25 mean?

Bodily injury per person / bodily injury per accident / property damage: $30,000 for one person hurt in the accident, $60,000 for everyone hurt together, and $25,000 for the property damaged. The page checks your three limits against the state you pick and prints each verdict separately.

Should I carry the minimum, or more?

The minimum is what lets you drive legally; it is not a promise about what claims cost. One serious injury claim commonly exceeds the per-person minimum, and the claim table prints exactly what your limit would leave you to pay. Most drivers who can afford it carry more - and an umbrella on top - because serious claims do not stop at the state floor.

Does this calculator price my premium?

No, and that is the point: pricing depends on the driver, the record, the car and the carrier, and only the insurer can quote it. The page takes the six-month premium you enter and checks it against fixed numbers - it never produces a premium of its own.

Why these twenty-five states and not every state?

Every state sets its own minimums, but this page only checks numbers that are pinned to official sources, so the list is the states it can verify rather than a guess across all 50: Texas 30/60/25 (Texas Department of Insurance), California 30/60/15 for policies effective on or after 1 January 2025 (California DMV), Georgia 25/50/25 (Georgia OCI), New York 25/50/10 (New York DMV), Pennsylvania 15/30/5 (75 Pa.C.S. 1702), Ohio 25/50/25 (ORC 4509.51), North Carolina 50/100/50 (N.C.G.S. 20-279.21), Virginia 50/100/25 (Virginia DMV), Arizona 25/50/15 (A.R.S. 28-4009), Michigan 50/100/10 (MCL 500.3009), Florida PIP 10 / PDL 10 (FLHSMV), Colorado 25/50/15 (Colorado General Assembly, "Mandatory Automobile Insurance in Colorado"), Connecticut 25/50/25 (Connecticut Insurance Department, citing C.G.S. 14-112), Iowa 20/40/15 (Iowa Insurance Division), Kansas 25/50/25 (K.S.A. 40-3107), Maryland 30/60/15 (Md. Code, Transportation Article 17-103), Minnesota 30/60/10 (Minn. Stat. 65B.49), Missouri 25/50/25 (RSMo 303.190), Nebraska 25/50/25 (Neb. Rev. Stat. 60-534) and Nevada 25/50/20 (NRS 485.185 and 485.190), Mississippi 25/50/25 (Mississippi Insurance Department), North Dakota 25/50/25 (North Dakota Insurance Department), Oklahoma 25/50/25 (Oklahoma Insurance Department), South Carolina 25/50/25 (South Carolina Department of Insurance) and South Dakota 25/50/25 (South Dakota Division of Insurance). New York, Pennsylvania, Florida, Kansas, Minnesota and North Dakota are no-fault states with mandatory PIP (personal injury protection), and Florida requires no bodily injury liability at all for private cars; Michigan prints the lowest tier its statute allows an insured to sign down to, so a policy at the 250/500/10 default reads as above the floor. Verifying real official numbers beats a generic table of guessed figures, and the scenario table makes the code check meaningful rather than decorative.

What is the difference between per-person and per-accident?

The per-person number is the most any one injured person can collect; the per-accident number is the most everyone hurt in the same accident can collect together. Both matter: a per-accident limit can be exhausted by a full car before the per-person numbers are even reached.

Where do the claim amounts come from?

The four single-car claims - fender bender, modest injuries, serious injury, catastrophic injury - are printed scenarios used to size a bodily injury limit, chosen so the per-person cutoffs are visible. They are not quotes, predictions or promises of what any real claim will cost.

Assumptions and sources

  • Car insurance pricing is set by the carrier from the driver, the vehicle, the location and the claims history; this page prices nothing, it only checks your quote against the statutory minimums and prints what your limits would pay on the listed claims.
  • Texas minimum liability limits: 30/60/25, Texas Department of Insurance, "Minimum car insurance requirements" (verified against the official source and kept on record).
  • California minimum liability limits: 30/60/15 for policies effective on or after 2025-01-01, California Department of Motor Vehicles, "Auto insurance requirements" (verified against the official source and kept on record).
  • Georgia minimum liability limits: 25/50/25, Georgia Office of Commissioner of Insurance and Safety Fire, "Auto" (verified against the official source and kept on record).
  • New York minimum liability limits: 25/50/10, New York State Department of Motor Vehicles, "Insurance requirements" (verified against the official source and kept on record). New York is a no-fault state; this page checks only the three basic liability limits, PIP is separate.
  • Colorado minimum liability limits: 25/50/15, Colorado General Assembly, "Mandatory Automobile Insurance in Colorado" (verified against the official source and kept on record).
  • Connecticut minimum liability limits: 25/50/25, Connecticut Insurance Department, "What Is Auto Insurance", citing C.G.S. 14-112 (verified against the official source and kept on record). Connecticut requires uninsured/underinsured motorist cover but no PIP, so these three numbers are its whole liability minimum.
  • Iowa minimum liability limits: 20/40/15, Iowa Insurance Division, auto insurance consumer page (verified against the official source and kept on record).
  • Kansas minimum liability limits: 25/50/25, K.S.A. 40-3107 (verified against the official source and kept on record). Kansas is a no-fault state; the same section requires personal injury protection, which this page does not check.
  • Maryland minimum liability limits: 30/60/15, Md. Code, Transportation Article 17-103 (verified against the official source and kept on record).
  • Minnesota minimum liability limits: 30/60/10, Minn. Stat. 65B.49 (verified against the official source and kept on record). Minnesota is a no-fault state; PIP is separate from these three limits.
  • Missouri minimum liability limits: 25/50/25, RSMo 303.190 (verified against the official source and kept on record).
  • Nebraska minimum liability limits: 25/50/25, Neb. Rev. Stat. 60-534 (verified against the official source and kept on record).
  • Nevada minimum liability limits: 25/50/20, NRS 485.185 and 485.190 (verified against the official source and kept on record).
  • Mississippi minimum liability limits: 25/50/25, Mississippi Insurance Department, auto insurance page (verified against the official source and kept on record).
  • North Dakota minimum liability limits: 25/50/25, North Dakota Insurance Department, "Auto" (verified against the official source and kept on record). North Dakota is a no-fault state; personal injury protection is separate from these three limits.
  • Oklahoma minimum liability limits: 25/50/25, Oklahoma Insurance Department, auto insurance myths page, which the department's consumer auto path redirects to (verified against the official source and kept on record).
  • South Carolina minimum liability limits: 25/50/25, South Carolina Department of Insurance, "FAQ - Auto Insurance" (verified against the official source and kept on record).
  • South Dakota minimum liability limits: 25/50/25, South Dakota Division of Insurance, auto insurance page (verified against the official source and kept on record).
  • The four single-car claim amounts on this page are illustrative scenarios for sizing a bodily injury limit, not a quote or any insurer rate table.

Last reviewed 2026-10-30. Not investment or insurance advice; quotes come from a licensed provider. Read the full disclaimer.

Where a figure on this page comes from an official agency — HUD, IRS, FICO or a state body — the site keeps a dated snapshot of the source page in its sources library, and a scheduled job re-checks that snapshot, so the number can be traced back to the document it came from.

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