Deductible break-even calculator

Raising your deductible lowers your premium — but you pay more out of pocket when you claim. Enter your two options and the premium saving to see how many claim-free years make the higher deductible worth it.

Enter both deductibles and the annual saving to see your break-even.

Estimate only — your insurer sets your actual premium, coverage, and eligibility. Illustrative, not advice. This weighs premium against out-of-pocket only; keep an emergency fund that can cover the higher deductible before choosing it.