🛡️ Free Calculator · Updated July 2026

Estimate Your Cyber Insurance Premium in Under 60 Seconds

Based on 2026 benchmark data from Corvus Insurance and Coalition. Input your company profile and get a directional premium range — no signup required.

Benchmark Sources

What This Tool Estimates

We aggregate pricing data from Corvus Insurance's 2026 Cyber Insurance Report and Coalition's published cyber insurance benchmarks to give you realistic premium ranges. These estimates reflect what businesses with similar profiles pay across major carriers.

This calculator provides a directional estimate — not a binding quote. Actual premiums depend on your full application, carrier underwriting, claims history, and security questionnaire results. Use this to set a budget and understand what drives your rate.

What Moves Your Premium

6 Factors That Determine Your Rate

These are the primary rating factors all cyber insurers use. Improving them before your next quote is the fastest path to a lower premium.

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    Industry Classification Healthcare and legal/finance pay 30–40% more than retail or professional services. Your NAICS code directly affects the quote.
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    Annual Revenue Higher top-line = larger data assets at risk = higher premium. A $1M firm pays less than a $10M firm for identical coverage.
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    Security Controls (MFA, EDR, Backups) MFA alone can reduce your premium by 15–25%. EDR + immutable backups + written IRP together can save 20–40% vs. no controls.
  • 📋
    Claims & Incident History A ransomware incident in the past 3 years can increase premiums by 30–100% or result in coverage restrictions.
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    Data Types Handled PII, PHI/HIPAA, and payment card data (PCI) add underwriting scrutiny and premium load. The more sensitive the data, the higher the exposure.
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    Coverage Limits & Deductible Higher per-incident limits ($1M vs. $250K) and lower deductibles increase the base premium. A higher deductible ($5K vs. $1K) can reduce cost by 15–25%.

Next Steps

How to Use This Estimate

  1. Get multiple quotes. Use the "Get a Real Quote" button to connect with a cyber-specialist broker who can compare carriers for your profile.
  2. Improve your controls first. Use a Security Posture Report to identify exactly what to fix — MFA, EDR, and backups are the highest-ROI improvements.
  3. Work with a cyber-specialist broker. General P&C brokers often lack cyber expertise. A cyber-focused broker finds better pricing and avoids application mistakes.

Calculate Your Estimated Premium

Estimated Annual Premium
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This is a directional estimate based on Corvus and Coalition 2026 benchmark data. Not a binding quote. Your actual premium depends on full underwriting review.

Common Questions

Frequently Asked Questions

Answers to the questions people ask most about cyber insurance calculators.

How accurate is this cyber insurance calculator?
This estimator uses published 2026 benchmark data from Corvus Insurance and Coalition to provide directional premium ranges. It reflects what businesses with similar profiles actually pay. The estimate is not a binding quote — your actual premium will depend on your full application, carrier appetite, and underwriting review. Use it to set a budget and understand what drives your rate.
What factors does this cyber insurance cost estimator use?
The estimator uses four inputs that are primary rating factors for cyber insurance: employee count (proxy for attack surface), annual revenue (proxy for loss exposure), industry classification (breach risk rating), and data types handled (PII, PHI/HIPAA, financial/PCI). Together these account for the majority of premium differentiation across carriers.
Can I get cyber insurance coverage with poor security posture?
It depends on how poor. Many insurers will decline if MFA is missing, no EDR is deployed, or there is a recent ransomware incident. However, some carriers specialize in post-breach or high-risk SMB coverage at higher premiums. The best path: improve your controls (MFA + EDR + backups) before applying, which also dramatically lowers your rate. CyberStackHub's Security Posture Report tells you exactly what to fix first.
Does this calculator replace getting a real cyber insurance quote?
No — this is an estimation tool, not a quote. A real quote requires a full application (typically 20–30 questions), carrier review, and may include a security questionnaire or scan. This calculator gives you a directional budget range so you know what to expect and can budget accordingly. For a real quote, use the "Get a Real Quote" CTA to connect with a cyber-specialist broker.
What security controls lower cyber insurance premiums the most?
MFA on all remote access and admin accounts is the single biggest premium reducer — businesses with enforced MFA typically pay 15–25% less. EDR on all endpoints, immutable offline backups, and a written Incident Response Plan are the other major differentiators. Together, these four controls can reduce your premium by 20–40% compared to a similar business without them.
Can I speak to someone about my cyber insurance needs?
Yes. Use the "Get a Real Quote" button to book a free 30-minute consultation with a cyber insurance specialist. They can help you understand coverage options, compare carriers, and apply — often with better pricing than going direct. Alternatively, start with a CyberStackHub Security Posture Report to identify exactly what to improve before your next renewal.