Auto Insurance Deductible Optimizer
Determine the optimal auto insurance deductible based on premium savings and expected claims frequency.
Calculation Inputs
Calculation Results
📊
Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Break-Even = Deductible Difference / Annual Premium Savings
If you can self-insure the deductible difference and rarely claim, higher deductibles save money long-term.
Frequently Asked Questions
Should I choose a higher car insurance deductible?
If your emergency fund can cover the higher deductible and you rarely file claims, a higher deductible with lower premiums makes financial sense.