Auto Insurance Deductible Calculator accuracy and testing

Formula source

• Annual savings = monthly savings x 12. Break-even = deductible increase / annual savings. Expected value = annual savings - deductible increase x claim likelihood.

Test cases

Known limitations

• This page documents the checked-in calculator logic and does not certify results for every real-world edge case.
• Use the result as a planning estimate unless the calculator page states a stricter purpose.

Assumptions

• All prices, fees, rates, and vehicle assumptions are user-entered.
• Calculations run locally in your browser and are not stored by Calwarden.
• This is planning math, not financial, tax, insurance, legal, or mechanical advice.

Unit handling

• Current Deductible accepts values in $.
• New Deductible accepts values in $.
• Monthly Premium Savings accepts values in $/mo.
• Annual Claim Likelihood accepts values in %.
• Claim-Free Break-Even is displayed in years.
• Annual Premium Savings is displayed as currency.
• Added Out-of-Pocket Risk is displayed as currency.
• Expected Annual Value is displayed as currency.

Rounding rules

• Number displays use up to 2 decimal places in the calculator UI.
• Currency outputs are displayed with standard US dollar formatting.
• Input precision follows configured step values where provided.

Version history

Change log