Total Loss Value Calculator
Wondering if your vehicle is totaled? Use our free Total Loss Value Calculator to find out in seconds. Simply enter your vehicle’s actual cash value (ACV) and estimated repair cost, and the calculator will show your total loss percentage, so you can instantly see whether your car is likely totaled or below the threshold for repair.
Understanding Your Total Loss Percentage
When your car is damaged, insurance companies use a total loss formula to decide whether it’s worth repairing or should be declared a total loss. This formula compares your repair cost (RC) to your vehicle’s actual cash value (ACV) — the amount it’s worth before the accident.
If the repair cost approaches or exceeds a certain percentage of your car’s value (usually 70–80%, depending on your state or insurer), the vehicle is typically considered “totaled.”
Our Total Loss Value Calculator makes this process simple. Just enter your ACV and repair estimate to see your total loss percentage and find out whether your car is likely totaled or below the threshold.
Even if your car is considered a total loss, it still holds value. Instead of dealing with the hassle of repairs or low insurance payouts, you can sell your totaled car for cash today. We work with trusted buyers nationwide to help you get a fast, competitive offer — no towing, no hidden fees, and no waiting on insurance.
Try the calculator above, then get your instant offer to see how much your totaled vehicle is really worth.
Total Loss FAQ's
A car is considered a total loss when the cost to repair the damage is close to or higher than the vehicle’s actual cash value (ACV) before the accident. Most insurers set this threshold between 70% and 80%.
Our calculator uses a simple formula:
Total Loss % = (Repair Cost ÷ Actual Cash Value) × 100.
By entering your car’s estimated repair cost and current market value, you’ll instantly see whether your car is likely totaled or below the threshold for repair.
If your car is deemed a total loss, your insurance company will usually offer a payout based on its actual cash value. However, if you’d rather skip the paperwork or think the offer is too low, you can sell your totaled car for cash directly to us — quickly and hassle-free.
Yes! Even totaled cars still have value. Many buyers, including Cash Auto Salvage, purchase vehicles for their parts, materials, or resale potential. You can get an instant cash offer and free pickup — often within 24 hours.
While it varies by state and insurance company, the total loss threshold is generally between 70% and 80%. Some states use a Total Loss Formula (TLF) instead, where a car is totaled if the repair cost plus salvage value equals or exceeds its actual cash value.