About InsureCalcs

InsureCalcs is free insurance calculators, built around one principle: no quote spam. We don't collect your email. We don't pass you to brokers. We don't sell your data to lead aggregators. You get an instant estimate, you leave, that's it.

Why we built it

Most online insurance calculators are thin wrappers around lead-capture forms. You type in your ZIP, age, and email — then 15 brokers call you for the next 6 months. The actual calculator is often a hidden second-tier feature.

We flipped that. The calculator is the entire product. There's no email field. There's no "get my free quote" button that triggers a sales blast. The estimate is computed locally in your browser using industry-average rate factors.

How accurate are the estimates?

Within ±20-30% of real carrier quotes for typical profiles. We use national-average rate factors weighted by age, location risk, vehicle/property value, deductible, and coverage level. Real quotes from State Farm, Geico, Progressive, etc. vary 30-50% across carriers — always shop 3+ before buying.

How we make money

Banner ads (Google AdSense) on calculator pages. That's the entire business model. No subscriptions, no premium tier, no affiliate kickbacks driving the recommendations.

Sister sites

InsureCalcs is part of a small portfolio of free, no-signup tools: PDFShed, PixShed, SimplyCalcs, ResumeShed, CreditCardCalcs, RetireCalcs.