Your Vehicle
Look this up on KBB.com or Edmunds.com (private-party value) for your exact year, make, model, trim and mileage.
Only adjust these if your KBB/Edmunds value did not already account for mileage and condition.
Optional
Result
Fill in the form and press Calculate to see your estimate.
How to get a fair payout (not just accept the first offer)
- Ask for the valuation report in writing. Insurers use tools like CCC or Mitchell to generate this, and you are entitled to see how they arrived at their number, including which comparable vehicles they used.
- Pull your own comparables. Find 3 or more similar vehicles for sale near you (same year, similar mileage, trim and condition) on sites like Autotrader or CarGurus, and save the listings with prices and dates.
- Challenge inaccurate condition adjustments. If the insurer’s report marks your car down for wear it did not have, or leaves out upgrades or recent repairs, push back with documentation (receipts, photos, service records).
- Submit a written counteroffer backed by your comparables. A single listing rarely moves an adjuster, but three or more solid comps usually will.
- Consider a professional appraisal if the gap is large and the insurer will not budge. Most policies include an appraisal-clause option for exactly this situation.
Common total-loss thresholds by state
Most states set a percentage of ACV; once repair costs cross it, the insurer must declare a total loss. A handful of states use a Total Loss Formula (repair cost plus salvage value vs. ACV) instead of a flat percentage.
This tool gives a directional estimate only. It is not a substitute for an independent appraisal, a KBB/NADA lookup for your exact vehicle, or advice from your insurer. Total-loss threshold percentages are commonly reported figures compiled from public sources and can change; confirm the current rule with your insurance company or your state’s Department of Insurance before making a decision. This is not legal or financial advice.
Sources and methodology
The formula and data behind this tool are explained on How Our Calculators Work. Results are estimates for general information only and are not financial, tax or insurance advice. Last reviewed: September 29, 2026.
