Insurance Inflation Calculator
Track how insurance premiums increase over time and compare them to general inflation. Enter premiums from different years to see the true growth rate.
What is insurance inflation?
Insurance inflation refers to the rate at which insurance premiums increase over time, which often outpaces general inflation. Health insurance, auto insurance, and home insurance premiums tend to rise due to medical cost inflation, increased repair costs, legal expenses, and climate-related claims. This calculator helps you quantify the gap between your premium growth and general inflation, so you can make informed decisions about coverage and shop around when increases are excessive.
Example: If your health insurance went from $5,000 to $7,200 over 5 years, that's a 7.6% CAGR. With 3% general inflation, your premiums are growing 4.6% faster than inflation — meaning you're paying nearly 50% more in real terms.
Insurance Inflation Calculator — Premium Increases vs General Inflation
Free insurance inflation calculator. See how your health, auto, home, life, and renter's insurance premiums increase compared to general inflation.