Compare all protection levels on one page
Data is not recorded and is used for estimation only.
Checked the references for the SEC on June 5, 2026 • Car insurance.
Car Insurance Costs Calculator
The Car Insurance Costs Calculator estimates a vehicle-cost estimate for the scenario you entered from the vehicle price or cost, payment period, applicable rate, usage and provider charges shown on the page. Replace the example values with your own car insurance figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Compare car insurance premiums for 1, 2+, 2, 3+, 3 by vehicle value, vehicle group, vehicle age and driver age See the coverage of each tier Instant results Free use
See all the insurance calculators and guides
Quick answer.
What kind of car insurance?
Fill in car information
Comparison Results
Compare coverage.
| Protection. | Level 1 | Level 2+ | Level 2 | Level 3+ | Level 3 |
|---|
Data to be calculated
| The value of the car. | - |
| Group of cars. | - |
| Car age | - |
| Driver's age | - |
| - It's aged. | - |
| Age-adjusted. | - |
Summary after calculation
Send the results to the think tank before clicking on the offer.
The system will calculate the level of insurance you should start comparing, with annual and monthly premiums.
Messages are ready.
Fill in the information and click Calculate to generate a summary of your car insurance premiums to send to your partner.
Insurance and repair capital
Ask about the actual insurance capital, the terms of repairs or garage repairs, and if the car is still on finance before buying.
First-party damages.
Check the deductibles and excesses, because the right ones might come with a self-payment when you're out.
Floods, fires, robberies.
New cars, high-value cars, or cars parked in high-risk areas should ask for these coverage.
The total cost of the car.
If the car is still on loan, add the monthly insurance premium to the car's installment before looking at the actual offer.
Read the installment + premium.The quick-track auto insurance route.
What is car insurance?
Car insurance is an insurance policy that the owner of the car chooses to do, aside from the P. D. to protect his car, his property, and medical expenses, divided into 5 layers of protection.
Class 1 — Maximum coverage
The most comprehensive coverage suitable for new or high value cars:
- Damage to own car.
- Fire and natural disasters (including floods)
- The car was stolen.
- Liability for personal property outside.
- Responsibility for the life and body of an outsider.
- Driver and passenger medical costs.
- Driver's insurance.
Class 2+ — collision protection.
Increased protection from level 2 by covering collision damages to other vehicles. Ideal for those who want to protect their own car at an affordable price.
Class 2 — fire, theft, outsiders.
3 Main components: Fire, theft and third party liability No collision coverage
Insurance class 3+ and class 3 — minimum premium
Level 3 covers only third party liability, the lowest premium, suitable for older cars, and level 3+ provides additional coverage in case of collision with other vehicles.
Factors affecting premiums.
| Factors. | The effect on the allowance. |
|---|---|
| Car value/insured capital. | The higher the premium, the more expensive. |
| Group of cars. | Luxury/sport cars are more expensive than small cars. |
| Car age | Old car, lower capital, lower premium. |
| Driver's age | Lower than 25 years, additional allowance ~20% |
| History of the clay. | No-go, NCD discount maximum 50% |
Compare each tier.
| Protection. | Level 1 | Level 2+ | Level 2 | Level 3+ | Level 3 |
|---|---|---|---|---|---|
| Your own car was damaged. | ✓ | * | ✗ | * | ✗ |
| Fire. | ✓ | ✓ | ✓ | ✗ | ✗ |
| Robbery. | ✓ | ✓ | ✓ | ✗ | ✗ |
| Flood/Natural Disasters | ✓ | ✗ | ✗ | ✗ | ✗ |
| Personal property outside. | ✓ | ✓ | ✓ | ✓ | ✓ |
| External injury/death. | ✓ | ✓ | ✓ | ✓ | ✓ |
* Levels 2+ and 3+ cover only collisions with vehicles with a partner.
This calculator helps you estimate car insurance premiums, compare all categories on one page, and make your insurance decisions easier. Actual rates may vary by insurance company and promotion.
Reviewed and updated by Kamnuanlek team | Last updated: 5 June 2026
Frequently asked questions
What is the difference between car insurance class 1, 2+, 2, 3+, 3?
What is the 1-5 group of cars?
How does the age of the car affect the premium?
Young drivers pay more?
What is the capital difference from the car's value?
Learn more from our article.
Official reference source
English calculator guide
How to use the Car Insurance Costs Calculator
Use this page to test a specific car insurance scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the car insurance costs estimate instead of relying on a generic example.
- Build a baseline car insurance case with figures that match your situation.
- Run a second car insurance case after changing the rate, period, quantity or other key assumption.
- Record the difference between the two car insurance results and the input responsible for it.
Inputs for the car insurance estimate
For this car insurance calculation, check the vehicle price or cost, payment period, applicable rate, usage and provider charges shown on the page. The result is designed to show a vehicle-cost estimate for the scenario you entered, not a guaranteed provider price or official decision.
How the car insurance result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same car insurance inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a car insurance decision
Compare the estimate with a current written quote and include insurance, registration and other ownership costs. For car insurance, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. Check the important inputs and any current provider or authority rules before using the result for a decision.
- Language QA
- Terminology, numeric values and calculator controls checked
- Calculator scope
- Date and calendar
- Last English review
- 26 July 2026