Motor insurance calculator

Type engine capacity, driver age, and the region factor. 1600 cc, age 30 and region 1.0 give a 2320 premium. Third-party is the compulsory slice and comprehensive is the extra cover: this model is a shared sketch, not an insurer quote.

Base = 400 + capacity×1.2 + driver-age surcharge (under 26: +300, over 65: +150), then times region. Not a quote. Fold this premium into a year on annual running cost.

Input data

Result

Engine capacity (cc), Driver age (years) and Area / region factor. The result shows up here.

How results are calculated

Base = 400 + capacity × 1.2 + age surcharge. Premium = base × region (0.9 / 1.0 / 1.2). 1600 × 1.2 = 1920, plus 400 is 2320, age 30 has no surcharge, region 1.0 leaves 2320. 2000 cc, age 22 and region 1.2: base 2800 + 300 = 3100, times 1.2 = 3720.

1400 cc, age 70 and region 0.9: 1680 + 400 + 150 = 2230, times 0.9 = 2007. The age field is driver age, not model year. Under 26 adds 300, over 65 adds 150, between those marks adds zero.

Fields are capacity in cc, driver age in years, and the region list. Header currency only formats the result. The km/mile switch does not change cubic centimeters. A comma in capacity is unused: 1600 is sixteen hundred.

Paste the premium as one yearly line on annual running cost. TCO will add purchase and value loss. There are no no-claims discounts, loss history, or comprehensive deductibles here.

Blank capacity does not fill 1600 from the example. Typed zero cc leaves a 400 base plus age, then times region. A minus is rejected. The result is a sketch from three inputs, not a carrier calculation.

Type 1600, 30 and 1.0, click Calculate, and match 2320. Then 2000, 22 and 1.2: 3720. When you quote the number, call it an estimate, not a third-party or comprehensive offer.

How to use

  1. Type engine capacity in cc, for example 1600, not in liters.
  2. Type driver age in years, for example 30, not the car model year.
  3. Pick a region factor: 0.9 lower, 1.0 baseline, or 1.2 higher.
  4. Click Calculate. 1600, 30 and 1.0 give 2320. 2000, 22 and 1.2 give 3720.
  5. Treat the result as orientation. A third-party or comprehensive quote comes from an insurer.

Third-party, comprehensive, and the cc sketch

Base = 400 + capacity×1.2 + age surcharge, then times region. 1600 cc, age 30, and region 1.0 give a 2320 premium.

third-party
The compulsory slice in this shared premium. 1600 cc and age 30 at region 1.0 = 2320. Not an insurer quote.
comprehensive
The extra cover in the same sketch, not a second table. 2000 cc, age 22, and region 1.2 give 3720 via the young-driver add-on.
region
The 0.9 / 1.0 / 1.2 factor. Region 0.9 at 1400 cc and age 70 is 2007. Under 26 adds 300, over 65 adds 150 to the base.

Usage examples

Example 1

  • Capacity: 1600
  • Driver age: 30
  • Region: 1.0

Premium 2,320

No age surcharge.

Example 2

  • Capacity: 2000
  • Driver age: 22
  • Region: 1.2

Premium 3,720

Young driver + higher region.

Example 3

  • Capacity: 1400
  • Driver age: 70
  • Region: 0.9

Premium 2,007

Senior + lower region.

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FAQ

What premium at 1600 cc, age 30 and region 1.0?

2320. 2000 cc, age 22 and region 1.2 give 3720. 1400 cc, age 70 and region 0.9 give 2007.

Is age the vehicle age?

No. It is driver age. Surcharge: under 26 +300, over 65 +150, otherwise 0.

How does region work?

It multiplies the base. 0.9 cuts, 1.2 lifts, 1.0 leaves it. An area sketch, not a city tariff.

Is this a third-party or comprehensive quote?

No. A carrier prices those products. Here you have capacity, driver age, and region.

What is out of scope?

Discounts, claims, mileage, a garage, comprehensive options. Those fields are not here.

Does currency change 2320?

It formats the printout. The formula stays 400 + capacity×1.2 + age, times region.

What if capacity is blank?

The calculator does not compute and does not fill 1600 from the example. It needs cc, age, and region.

Does 0 cc run?

The base falls to 400 plus the age surcharge, then times region. A minus is rejected.

Do header miles change the premium?

No. Capacity is in cc. The unit switch does not multiply 1600.

Where do I put 2320 in a yearly budget?

In the insurance field on annual running cost. TCO still adds purchase and value loss.

Knowledge sources

Use, cost or emissions come from your numbers. Below are FuelEconomy.gov, EPA and SI terms.

Page updated in 2026.