Insurance Cost Calculator
Estimate crypto & DeFi insurance premiums instantly
Coverage Details
Minimum $1,000 coverage
Higher deductible = lower premium
Premium Estimate
Annual Premium
$0
Monthly Cost
$0
Premium Rate
Period Cost
$0
Cost Breakdown
Coverage Summary
Coverage Amount
$0
Deductible Amount
$0
Net Payout (Max)
$0
Coverage Period
0 days
Estimated Provider Rates
Based on your inputs, here's how different providers might price your coverage:
$0/yr
Largest DeFi insurer
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Multi-chain coverage
$0/yr
Flexible policies
$0/yr
Community-driven
* Rates are estimates. Actual quotes may vary based on provider-specific risk models and available capacity.
When to Use Insurance Cost Calculator
DeFi Yield Farming
You've got $100k in a liquidity pool earning 15% APY. Before you celebrate those gains, figure out if spending 3-5% on insurance makes sense. If the protocol gets hacked, that 15% means nothing.
Protocol Treasuries
DAOs sitting on millions need to protect their runway. Calculate what it costs to insure your treasury against smart contract exploits. Your community will thank you when things go sideways.
Stablecoin Holdings
After UST, nobody trusts "stable" anymore. If you're holding significant USDC, DAI, or other stablecoins, depeg insurance might cost less than you think. Run the numbers here first.
New Protocol Testing
Found a new DeFi gem with crazy APY? Before aping in, check what insurance would cost. If the premium is 20%+ annually, that's the market telling you something about the risk.
Custodian Risk Assessment
Keeping funds on exchanges? FTX taught everyone a lesson. Calculate custodian coverage costs and decide if self-custody plus insurance beats trusting a centralized platform.
Budget Planning
Building a crypto fund or managing client assets? Insurance is a line item you can't ignore. Use this calculator to budget protection costs across your entire portfolio allocation.
Frequently Asked Questions
What factors affect crypto insurance costs?
Several factors impact your premium: coverage amount (higher coverage = higher cost), protocol risk level (newer or unaudited protocols cost more), coverage duration, type of coverage (smart contract bugs, hacks, stablecoin depegs), and the insurance provider's liquidity pool size. Audited protocols from reputable firms typically get better rates.
How much does DeFi insurance typically cost?
DeFi insurance premiums typically range from 2% to 15% annually of your coverage amount. Low-risk protocols with multiple audits might cost 2-4%, medium-risk protocols 5-8%, and high-risk or new protocols 10-15% or more. Providers like Nexus Mutual and InsurAce offer competitive rates based on their risk models.
What does crypto insurance cover?
Common coverage includes smart contract exploits and bugs, protocol hacks, stablecoin depeg events, oracle manipulation attacks, rug pulls (limited), and custodian failures. Each provider has specific terms—always read the policy details before purchasing.
Is this calculator accurate for real quotes?
This calculator provides estimates based on industry-standard pricing models. Actual premiums vary by provider and their specific risk assessments. Use these estimates for budgeting, then get actual quotes from insurance protocols for precise pricing.
Should I insure my entire portfolio?
Depends on your risk tolerance. Many users only insure high-value positions or funds in riskier protocols. Consider the cost-benefit: if you have $10k in a well-audited protocol and insurance costs $500/year, you're paying 5% for peace of mind. For larger amounts, insurance often makes more sense.
How can I reduce insurance costs?
Choose protocols with multiple security audits, opt for longer coverage periods (some providers offer discounts), use established protocols with proven track records, compare quotes across providers, and consider partial coverage for large positions. Higher deductibles also lower premiums.
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