Insurance Cost Comparison Calculator
Enter your fleet details to compare platform protection, commercial insurance, and hybrid approaches. Find the strategy that saves the most while keeping you properly covered.
Your Fleet Details
Platform Protection
$13,500/year
$4,500 per vehicle
- 25% of trip revenue
- Built into platform
- No separate policy needed
- Higher deductible
Commercial Insurance
$7,200/year
$2,400 per vehicle
- Fixed monthly premium
- Full coverage any platform
- Fleet discount at 5+ vehicles
- Customizable deductibles
Hybrid Approach
$21,780/year
$7,260 per vehicle
- Basic platform + gap coverage
- Lower platform fees
- Commercial fills the gaps
- Best of both worlds
Break-Even Analysis
Based on your revenue of $1,500/month per vehicle, commercial insurance becomes more cost-effective at:
1
vehicles
You currently exceed the break-even point. Commercial insurance may save you money.
Risk Assessment
Standard coverage handles most situations, but you may have gaps in interior damage and tire/windshield coverage.
Fleet value: $90,000
Annual revenue: $54,000
Annual savings with best option: $14,580
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