ES

Idioma

Buscar
CostAnswer

Explorar

Idioma

MetodologíaAcerca de

Calculadora · EE. UU.

Cobertura del auto

Compara la prima, la franquicia y el valor del vehículo para evaluar tu cobertura.

Tus datos

Cobertura del auto

Compara la prima, la franquicia y el valor del vehículo para evaluar tu cobertura.
NAIC 2023

Average written premium per insured car-yearnaic-insurance-2023-v1

Sets the published collision and comprehensive averages. Your address is not collected.
$Actual cash value: what it would sell for now. Not what you paid, and not the loan balance.
$What you pay before collision cover starts, on a crash you cause.
$For theft, hail, flood, fire, and animal strikes. Often lower than the collision one.
Introduce tus propias primas

Read them off your declarations page

Years of premium to equal a total-loss payout

5.9$929.06 a year against $5,500 of cover
The ceiling is close to the cost
  • A year of collision and comprehensive costs $929.06, and the most either can ever pay is $5,500. That is 5.9 years of premium for the whole benefit, and the benefit shrinks every year as the car does.
  • Whether that is worth buying depends on whether you could replace the car out of savings, which is a judgement this page cannot make for you.
Collision + comprehensive / year$929.062023 Texas average
Most it can ever pay$5,500Car value less the deductible, falling every year
Premium as a share of the car15.5%Annual cost measured against what is being covered

For comparison, liability alone averaged $797.86 a year in Texas in 2023. Liability pays other people and is required in almost every state; its worth is not capped by what your own car is worth, so it is not part of the comparison above.

Cómo lo calculamos
  1. Collision and comprehensive / year$529.05 collision + $400.01 comprehensive$929.06
  2. Most collision can pay$6,000 value − $1,000 deductible$5,000.00
  3. Most comprehensive can pay$6,000 value − $500 deductible$5,500.00
  4. Years of premium to equal that payout$5,500.00 ÷ $929.06 a year5.92
Supuestos del cálculo
  • This compares what two coverages can pay against what they cost. It is not advice to keep or drop coverage, and it says nothing about how likely a claim is.
  • Collision and comprehensive pay the vehicle’s actual cash value at the time of loss, less the deductible, so the payout is capped by the car’s value while the premium is not.
  • Use the car’s actual cash value: what it would sell for the day before the loss, not what you paid, not the loan balance, and not a dealer’s asking price. Insurers set it themselves and it falls every year.
  • Liability coverage is not part of this comparison. It pays other people, is required in almost every state, and its value is not capped by what your own car is worth.
  • Dropping physical damage cover on a financed or leased vehicle usually breaches the loan or lease. Gap cover, rental reimbursement, roadside assistance, and custom-equipment cover are separate and not counted here.
  • A single deductible is assumed to apply per claim. Diminished value, depreciation disputes, total-loss thresholds, and state-specific settlement rules can move an actual payout.
  • Premiums are the NAIC 2023 average written premium per insured car-year for Texas, across every policy in the state. They are historical averages, not a quote, and your own car, record, and coverage limits can differ substantially.
  • Some Texas homeowners forms are similar to, but not identical with, the national policy forms.
  • Texas auto exposures are approximated from quarterly vehicle counts. Estimated comprehensive exposures affect the combined average, but not average expenditure.
Detalles técnicos

Method auto-coverage-v1.0.0Data naic-insurance-2023-v1

¿Discrepancia en los números? Puedes hacer clic en Informar de un resultado incorrecto abajo o escribir a hello@costanswer.com con las líneas de Método y Datos.

Budgeting for the whole policy rather than one decision? The insurance cost calculator → adds home and auto together.

Guía

Cuándo conviene mantener o cancelar la cobertura contra choque e integral de tu auto

CostAnswer editorialIndependent calculator publisher

Las coberturas de colisión (Collision) y contra todo riesgo (Comprehensive) pagan únicamente el valor real en efectivo de tu auto en el momento del siniestro menos el deducible. A medida que el vehículo se deprecia, el beneficio máximo disminuye mientras la prima anual se mantiene casi constante. Esta calculadora te ayuda a evaluar si el costo de la prima sigue justificando la cobertura.

El beneficio tiene un techo que baja cada año

La cobertura por colisión cubre daños en un accidente que tú causes. La cobertura integral cubre robo, granizo, inundación, animales o vandalismo. Ambas liquidan según el valor real en efectivo (Actual Cash Value) menos el deducible. Si tu auto vale $4,000 y tu deducible es de $1,000, el cheque máximo que recibirías es de $3,000.

La cobertura de responsabilidad civil (Liability) es obligatoria

La responsabilidad civil paga los daños corporales y materiales que causes a terceros. Es obligatoria por ley en casi todos los estados y no depende del valor de tu vehículo. Nunca debes reducir la responsabilidad civil como forma de ahorrar en un auto antiguo.

Preguntas frecuentes sobre esta calculadora

¿Cuándo debería dar de baja la cobertura de colisión e integral?

Una regla habitual es evaluar darla de baja cuando la prima anual de ambas coberturas supera el 10% del valor neto asegurable del vehículo (valor del auto menos deducible), y si cuentas con ahorros suficientes para reemplazar el auto en caso de pérdida total.

¿Puedo cancelar la cobertura si todavía estoy pagando el préstamo del auto?

Casi nunca. Si el auto está financiado o en arrendamiento (lease), el prestamista exige contractualmente mantener cobertura completa (Full Coverage) hasta liquidar el préstamo.

Términos utilizados

Valor real en efectivo (Actual Cash Value - ACV)
El valor de mercado del auto inmediatamente antes del accidente o pérdida, descontando la depreciación acumulada.
Collision (Colisión / Choque)
Cobertura que paga la reparación o pérdida total de tu vehículo tras chocar contra otro auto u objeto.
Comprehensive (Integral / Todo riesgo)
Cobertura para siniestros ajenos a choques: robo, incendio, granizo, caída de árboles o impacto con animales.
Deducible (Deductible)
Monto que debes pagar de tu bolsillo en cada reclamo antes de que la aseguradora cubra el resto.

Consejos prácticos

Consulta el valor real de tu vehículo una vez al año para revisar si la prima anual sigue teniendo sentido frente al deducible.

Límites y advertencias

Los promedios estatales se basan en reportes de la NAIC. No constituyen una cotización formal de seguro ni una recomendación de desprotección legal.

Los resultados son meramente informativos. No constituyen asesoramiento legal, fiscal, médico ni financiero. Cómo mantenemos los cálculos · Informar de una cifra incorrecta.

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

  • A capped benefit against an uncapped cost. Collision and comprehensive pay the vehicle’s actual cash value at the time of loss, less the deductible. That ceiling falls every year as the car depreciates, while the premium does not follow it down. Dividing the ceiling by the annual premium gives the years of premium the whole benefit is worth.
  • The two coverages are separated. Collision pays for damage you cause; comprehensive pays for theft, weather, fire, and animal strikes. NAIC publishes them separately, so they are shown separately, along with their own deductibles, which are commonly different amounts.
  • Liability is deliberately excluded. Liability pays other people, is required in almost every state, and its worth has nothing to do with what your own car is worth. Folding it into this comparison would make an unrelated legal obligation look optional, so it is shown alongside for context only.
  • What the averages are and are not. The premiums are average written premium per insured car-year across the whole state: every driver, record, vehicle, and coverage limit combined. They are a benchmark for the shape of the trade-off, not a prediction of your renewal. Enter your own declarations-page figures to make the comparison yours.

Datos del cálculo

De dónde sale cada cifra

The arithmetic is decided by your inputs. Official data is printed beside the answer as context, and the answer stands without it.

OBSERVEDNAIC insurance database
Context printed beside the answer. The answer does not depend on it.

Fuentes

De dónde vienen los datos

NAIC · Auto Insurance Database ReportCollision, comprehensive, and liability average written premiums by state. Source: National Association of Insurance Commissioners. Calculations and interpretation by CostAnswer; not endorsed by NAIC.2023 observations · February 13, 2026 ↗

A continuación

People working through running a car usually need these next.

DineroPresupuesto de segurosPlanifica gastos de seguros y distingue tus primas de los promedios publicados.Auto¿Qué auto puedo pagar?Compara el costo total de un auto con tus ingresos y gastos.DineroPréstamo para autoCalcula la cuota y los intereses de la financiación de un auto.AutoAuto eléctrico o de gasolinaCompara el costo de energía para conducir con electricidad o gasolina.AutoCombustible para un viajeCalcula combustible y costo según distancia, consumo y precio.DineroReembolso de millaje del IRSCalcula deducciones por millaje del IRS y reembolsos de empleador para 2024–2026.