Total-Loss Threshold Checker
Pick your state, enter the repair estimate and ACV from your claim, and this tool checks your numbers against your state's own total-loss rule — a simple percentage threshold, or the Total Loss Formula — using the exact same state-by-state table published in the companion guide.
- Free — no login or email
- Every step of the math is shown
- Nothing you enter is sent to a server
Check Your State's Threshold
Please fix the following before continuing
Your Threshold Check
Methodology version 1.0 — last reviewed 2026-08-14.
Brennan, R., "Total Loss Threshold by State," Policygenius, updated July 2026 — same secondary compilation cited in the companion guide. Treat as a starting point, not a final legal citation; confirm your own state's current rule with your state insurance department.
New Hampshire Insurance Department, List of Accepted Valuation Methods for Total Loss — a real example of a state regulator publishing its own accepted methodology.
Frequently Asked Questions
Does this tool tell me whether my insurer must total my car?
No. It tells you whether your numbers meet your state's default legal minimum test for a total loss. Insurers can voluntarily total a vehicle below that point, and the test itself depends on your state's exact percentage or Total Loss Formula rule, which can change — always confirm the current rule with your state insurance department.
What's the difference between the percentage rule and the Total Loss Formula (TLF)?
A percentage-threshold state compares repair cost directly to actual cash value (ACV). A TLF state adds estimated salvage value to the repair cost first, then compares that total to ACV — so the same repair estimate can produce a different result depending on which method your state uses. See State Total-Loss Threshold Laws Explained for the full breakdown.
I'm in a TLF state — where do I get an estimated salvage value?
You can leave it blank to see your repair-to-ACV percentage for reference, or use the Salvage / Owner-Retained Value calculator to work out a supportable salvage estimate from comparable salvage-title sale prices before entering it here.
Where does the state threshold table come from?
The same source cited in the companion guide: a periodically updated Policygenius compilation, cross-checked against a real state regulator's own published methodology (New Hampshire) as one example. It's a secondary compilation, not a direct statute citation — treat it as a starting point.
Is anything I type sent to a server?
No. Every number you enter stays in your browser and is never transmitted to or stored on any server operated by this site.