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Add up mainland China vehicle-insurance budget amounts in CNY. Enter actual quotes or your own assumptions; this tool does not generate an insurer’s quote.
Add up mainland China vehicle-insurance budget amounts in CNY. Enter actual quotes or your own assumptions; this tool does not generate an insurer’s quote.
Enter the final quoted compulsory premium. No regional adjustment is inferred.
Enter a premium, not the vehicle value or coverage limit.
Enter a premium, not the liability coverage limit.
Enter the total premium for this cover, not a per-seat coverage limit.
100 means unchanged; 85 means pay 85% of the commercial subtotal. Keep 100 if the entered premiums already include discounts.
Enter the applicable actual tax or an explicit budget assumption. Electric-vehicle exemption is not inferred.
Enter separate fees not included above. Avoid double counting any fees already in the quote.
Total = compulsory premium + (damage + third-party + passenger premiums) × payable percentage ÷ 100 + vehicle and vessel tax + other fees.
All prices and the adjustment percentage come from your entries. Cover, tax eligibility and final charges must be checked against the insurer’s quote and applicable tax rules. This is not a US auto-insurance rate calculator.
Overview
Understand what the tool solves, how it works, and the boundaries of its data.
This calculator totals amounts that you supply for a vehicle insurance and ownership budget in mainland China. It is not an insurer quote form: it does not look up your vehicle, driving record, province, coverage selections, or an insurer’s current rates. Enter figures from an actual quote or clearly marked planning assumptions, in Chinese yuan (CNY).
The compulsory premium is added once. The commercial insurance base is the sum of the vehicle-damage, third-party liability, and passenger premiums. The commercial percentage is applied only to that base. Vehicle and vessel tax and other costs are then added to the total.
Commercial base = damage premium + third-party premium + passenger premium
Adjusted commercial amount = commercial base × commercial percentage ÷ 100
Budget total = compulsory premium + adjusted commercial amount + vehicle tax + other costs
At 100%, the commercial base is unchanged; at 90%, the calculator includes 90% of the entered base. It does not decide whether that percentage is an insurer discount or whether it applies to a particular policy.
Guide
Follow the workflow and verify inputs and outputs with practical examples.
Enter the compulsory premium and each commercial premium in its matching field. Use zero only when you intentionally want zero included in this scenario; a zero does not mean a coverage or tax is waived.
Enter a percentage for the commercial premium subtotal. Leave it at 100 for an unchanged subtotal. The field accepts percentages up to 1,000; values beyond that are rejected.
Enter vehicle and vessel tax and any separate costs you want in this budget. Avoid counting an amount twice if a quote already includes it.
Compare the commercial base, adjusted commercial amount, individual inputs, and final total. Monetary values are rounded to two decimal places in the calculation.
Suppose the entered compulsory premium is CNY 950, the damage premium CNY 1,800, third-party premium CNY 1,200, passenger premium CNY 300, adjustment 90%, vehicle tax CNY 400, and other costs CNY 50. The commercial base is CNY 3,300; 90% is CNY 2,970. The displayed budget total is CNY 4,370: 950 + 2,970 + 400 + 50. These numbers illustrate arithmetic only and are not market prices.
Use cases
See how the tool fits into real work and everyday tasks.
Enter each line from a renewal document, then change only the proposed adjustment or optional costs to see how the budget changes.
Transcribe equivalent coverage line items from two insurer quotes into separate comparisons. Check that coverage and policy periods match before comparing totals.
Use confirmed insurance and tax amounts, plus separately identified costs, to estimate an annual vehicle budget in CNY.
Q&A
Find concise answers to common questions and confusing cases.
No. It adds your inputs and does not request or retrieve a quote. Ask an authorized insurer or agent for an actual offer.
No. It is applied only to the sum of the three entered commercial premiums for damage, third-party liability, and passengers.
No. Zero is only an arithmetic input. Confirm whether tax applies to the vehicle and location through the relevant authority or insurer.
The quote may use different coverages, policy details, rate factors, fees, taxes, or rounding. This page includes only the values you enter.
Notes
Review scope, result limitations, and important precautions before use.
The compulsory motor-vehicle liability insurance requirement and related rules cited here apply to mainland China. They do not establish a premium for a specific vehicle, a tax exemption, or the terms of an individual policy. The regulations are published in Chinese; consult the current official text or a qualified local source if you need to determine a legal obligation. Confirm applicable insurance and vehicle-tax treatment with an insurer and the relevant local authority.
This is a planning calculation, not an insurance quotation, coverage recommendation, tax determination, or financial advice. The entered commercial percentage is a user assumption, not an official discount schedule.
References: PRC compulsory-insurance regulations support the mainland scope and compulsory-insurance context; checked September 29, 2026. Article 76 of the Road Traffic Safety Law addresses compensation limits; checked September 29, 2026.
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