Cyber insurance premium & cost calculator
Most "premium calculators" invent a formula no insurer has ever published. This one shows the two real, sourced datasets that actually exist instead — pick your revenue band below.
Not a quote — a proxy for underwriting risk. Source
Not a quote — real premiums are underwritten case by case.
Full market trend, loss ratios, top carriers, and every source are in the panel to the right ↓.
Where U.S. market-wide premium pricing sits
Down 14.6% year over year in 2024 · Marsh reported U.S. rates fell 5% in Q4 2024, the first quarterly decrease after seven years of rising rates. Blended average across primary, excess and endorsement policies, all company sizes — not a per-company figure. Source: Aon U.S. Cyber Market Update, July 2025 and Marsh market update, March 2025.
Industry loss ratio — why rates move
For every $1 of premium U.S. cyber insurers collected in 2024, they paid out roughly $0.49 in claims and defense costs — a loss ratio of 49%, up from 42% in 2023. Total U.S. cyber direct written premium fell 7.11% to $9.14B in 2024 — the market's first-ever annual decline — across 4,368,614 policies in force.
Source: NAIC Report on the Cybersecurity Insurance Market, 2025 edition — figures cross-verified against Aon's independent derivation from the same NAIC statutory supplement.
What carriers say about required controls
Top 10 U.S. cyber insurers by 2024 market share
| Carrier | 2024 DWP | Loss ratio | Market share |
|---|---|---|---|
| 1. Chubb | $560.6M | 36.1% | 7.92% |
| 2. Travelers | $535.4M | 54.0% | 7.56% |
| 3. Fairfax Financial | $360.6M | 39.7% | 5.09% |
| 4. Tokio Marine | $356.0M | 43.5% | 5.03% |
| 5. AXA | $340.4M | 36.0% | 4.81% |
| 6. Arch Insurance | $285.0M | 41.7% | 4.03% |
| 7. At-Bay Specialty | $280.6M | 55.8% | 3.96% |
| 8. AIG | $276.6M | 49.3% | 3.91% |
| 9. Sompo | $262.7M | 57.8% | 3.71% |
| 10. Starr | $255.1M | 96.3% | 3.60% |
Excludes alien surplus lines. Source: NAIC 2025 report, Table 2.
Every source, direct
Figures above are the most recently published as of this writing and will age — re-check the linked primary sources before relying on them for a board or budget decision. This tool does not sell insurance and is not a broker; it exists to show real market data next to the marketing claims most "calculators" make up.
Frequently asked questions
Does this tool give me an actual premium quote?
No. No publicly available primary source maps premium to an individual company’s revenue, industry or controls — carriers underwrite case by case, and that formula is not published anywhere. This tool instead shows two real, sourced datasets: average incident cost by revenue band (NetDiligence claims data) and U.S. market-wide average premium per policy and its trend (Aon/NAIC). For an actual quote, talk to a broker.
Why doesn’t the calculator give a discount for having MFA, EDR, or backups?
Because no citable primary source publishes a specific dollar or percentage premium discount tied to any individual control. Carriers require these controls as underwriting preconditions, and one carrier (Coalition) has reported that its policyholders — who are required to run MFA, encryption and security-awareness training — see 73% fewer claims than the industry average. That is a real, cited aggregate outcome, but it is not a formula for what your specific premium would change by, so we show it as context rather than building a fake calculation around it.
What is a cyber insurance loss ratio, and why does it matter?
It’s the share of every premium dollar an insurer pays back out in claims and defense costs. In 2024 the U.S. cyber insurance industry’s overall loss ratio was 49%, up from 42% in 2023 (NAIC). A rising loss ratio after several years of declining premiums is one of the clearest signals of whether the market is about to harden (rates rise) or keep softening (rates fall).
Is U.S. cyber insurance getting cheaper or more expensive right now?
Cheaper, as of the most recent published data. Average premium per policy fell to $1,523 in 2024 from $1,784 in 2023 (Aon), and Marsh reported a 5% rate decrease in Q4 2024 — the first quarterly decrease after seven straight years of rising rates. Total U.S. cyber direct written premium fell 7.11% in 2024, the market’s first-ever annual decline.
Where does the incident cost data come from?
NetDiligence’s Cyber Claims Study 2024 Report, based on 10,464 actual claims from 2019–2023 submitted by cyber insurers and breach coaches. It’s the closest thing to a primary-sourced, revenue-banded dataset on what a cyber incident actually costs — which is different from, but related to, what an insurer prices a policy against.
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Related reading
For how premiums actually scale with company size, read cyber insurance cost by company size. Then put a dollar figure on the risk the policy is covering with the ALE calculator and the Breach Cost Calculator.
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