Insurance Premium Increase Calculator
See what your insurance premium becomes after years of increases — and the total cost over time.
Premium in year 5
$240.88Total paid over 5 years
$12,176.12Extra, just from increases
$1,376.12Versus the price staying flat
Private — runs entirely in your browser. Nothing is sent or stored.
This tool is for education and planning only. It is not financial advice. Your inputs run in your browser and are not stored by Recurrings.
The renewal that re-prices itself
Insurance is one of the few recurring costs that quietly re-prices every year — and almost always upward. Loyalty rarely pays: the renewal quote is often higher than what a new customer would be offered for the same cover. Left on autopilot, the premium just climbs.
Enter your premium and the increase you've been seeing to project it forward, and to total what you'll pay over the next few years if you simply let it renew each time.
How this fits into your recurring money
A premium is recurring money with an annual decision attached — and it's the decision people skip most. Because the cover doesn't change, the renewal feels like nothing to act on, even as the price drifts up year after year.
Recurrings exists to make that decision unmissable: every policy's renewal date tracked, the premium remembered, and a warning before it auto-renews — the window in which re-shopping or negotiating actually works.
The math
premium in year N = premium × (1 + increase)^N total over N yrs = Σ annual premium × (1 + increase)^(year − 1)
The projected premium grows the current one by your expected annual increase. The total adds up each year's premium across the period, so it captures the compounding — the reason a premium left to renew quietly outpaces what you first signed up for.
It's a planning projection, not a quote: real premiums depend on your insurer, claims, and risk profile.
Common questions
Why do insurance premiums keep rising?
Claims costs, inflation, your risk profile, and losing introductory discounts all push premiums up at renewal. The increase is easy to accept by default because it arrives once a year.
What should I do at renewal?
Re-shop the policy, ask about bundling or higher deductibles, and compare the renewal quote against new-customer rates. Premiums are one of the most negotiable recurring costs — but only if you act before it auto-renews.
Does this work for any kind of insurance?
Yes — health, auto, home, renters, life, or business. Enter the premium and the increase you expect; the math is the same regardless of the policy.
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Never miss a renewal worth re-shopping
Recurrings tracks every policy's renewal date and premium — so the moment to switch or negotiate never slips past you.
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