Free Insurance Tools & Calculators
Understand your costs, find coverage gaps, and discover savings — no signup or credit check required.
Truvo's free insurance tools help you make smarter decisions about your coverage. Calculate your true car ownership cost, estimate your insurance score across 8 rating factors, optimize your deductible, analyze coverage gaps, and find discounts you may be missing. Each tool gives you instant, personalized results — no account needed.
True Car Cost Calculator
Calculate the true cost of owning your car — fuel, maintenance, depreciation, insurance, and loan payments included.
Try it freeInsurance Score Estimator
See which of 8 key factors help or hurt your premiums and get tips to improve your score.
Try it freeAccident Cost Calculator
See the real 3-year premium impact of an at-fault accident, with and without accident forgiveness.
Try it freePet Vet Cost Calculator
Lifetime vet cost estimates by breed — including common health risks and emergency fund recommendations.
Try it freeDeductible Optimizer
Compare deductibles side by side over 5 years to find the one that minimizes your total costs.
Try it freeTeen Driver Cost Estimator
Estimate the premium increase from adding a teen driver and find discounts to offset the cost.
Try it freeCoverage Gap Analyzer
Take a 2-minute quiz to identify gaps in your insurance and get personalized recommendations.
Try it freeInsurance Savings Tips
Check 13 savings opportunities to find discounts you may be missing. Average savings: $300–$600/year.
Try it free