Pro Rata InsuranceCalculator
Calculate insurance refunds with no cancellation penalty - pay only for the time you used
Currently Supports
Click any company to view their rate table
Pro Rata Refund Calculator
Calculate your refund with no penalties - fair and proportional
Pro Rata vs Short Rate: What's the Difference?
✓ Pro Rata Cancellation
- •No penalty fees
- •You only pay for time used
- •Common when insurer cancels
- •Used for some qualifying events
- •Fair and proportional refund
✗ Short Rate Cancellation
- •Includes penalty fee (10%+)
- •You pay more than time used
- •Standard for customer cancellations
- •Penalty increases with early cancellation
- •Can be expensive if cancelled early
Want to understand the differences between cancellation methods?
When Do You Get Pro Rata Refunds?
Insurance Company Cancels Your Policy
If the insurer cancels (non-payment, risk change), you typically get a pro-rata refund.
Total Loss of Insured Property
Vehicle totaled or home destroyed? Usually pro-rata refund applies.
Death of Named Insured
Most insurers provide pro-rata refunds in case of policyholder death.
Some Policy Switches
Switching to another policy with the same insurer may qualify for pro-rata.