Calculator — Motor
Same flat fee on every planAm I overpaying for car insurance?
We pull peer benchmarks for your vehicle cohort (vehicle class × year band × city tier) and tell you where you sit — p50 / p75 / p90.
Four inputs.
Vehicle type
Year of manufacture
City
Current annual premium
Methodology
peer_benchmarks table joins vehicle_class × year_band × city_tier. Verdict thresholds: ≤p50 = fair, p50–p75 = fair, p75–p90 = overpaying, >p90 = significantly overpaying. Below p50 may signal under-insurance.
Read the full methodology →Related checks
Want the exact number — not an estimate?
Connect your Gmail (read-only). We'll find your existing insurance and tell you whether you have a gap, you're overpaying, or you're set — in 30 seconds.
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