FreeByte

Car insurance cost calculator

Premium, excess and yearly exposure.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$

Cost per year

$1,550

Monthly

$120.83

With these inputs, cost per year comes to $1,550. Monthly works out to $120.83.

Ten-year cost
$15,500
Excess exposure
$500

What moves the number · Cost per year

Input−10%Now+10%
Yearly premium$1,405$1,550$1,695
Excess$1,540$1,550$1,560
Expected claims per 10 years$1,540$1,550$1,560

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Premium, excess and yearly exposure.

A worked example

Starting figures

Yearly premium
$1,450
Excess
$500
Expected claims per 10 years
2

What it returns

Cost per year
$1,550
Monthly
$120.83
Ten-year cost
$15,500
Excess exposure
$500

How to read the results

With the defaults above, cost per year works out at $1,550.

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