Meet Coverage Roulette: The Insurance Game Nobody Asked For (But Kind of Needed)

Most insurance content is written for the moment you're already filing a claim, stressed, holding a phone, trying to decode what your policy actually says. Coverage Roulette exists for the moment before that. It's a free browser game where you build a driver, pick coverage, and then watch three years of real life happen to you, on purpose, before any of it is actually your problem.

How It Works

You start by picking who you are. Learner's permit, brand new driver, a few years clean, or decades behind the wheel, each one comes with its own baseline honesty about how insurers actually see you. Then you pick your state, which matters more than it sounds like it should, since the rules quietly shift under you depending on where you land. Then you pick your ride, and yes, the Kia comes with a theft joke, and yes, the Subaru comes with a comment about your exhaust.

From there, the game hands you a profile. Twelve occupations, from librarian to roofer to rideshare driver, and eight education levels from a GED up through a PhD, each one carrying real weight in how your rate actually gets calculated. You don't fully control who you are, the same way you don't get to pick your risk profile in real life either, you just get to decide how you respond to it.

Then you buy coverage, and you live three years.

What Actually Happens to You

Each year throws something at you. A deer in the road. A fender bender that leaves you deciding whether to file a claim or just pay for it yourself. A stolen catalytic converter if you picked the wrong car. Sometimes nothing happens at all, which is its own kind of lesson, since paying for coverage you never use is still the whole point of having it.

A few of the moments are built directly from real rules most people never learn until it's too late. Pick Massachusetts and skip the right add-on, and a vacation accident somewhere else leaves you with nothing. Pick Michigan and choose a cheaper medical coverage tier to save a few dollars a month, and a serious injury can leave a six figure gap that's entirely yours. Pick a classic car and get to choose how it's valued, and the same total loss can pay you wildly different amounts depending on which box you checked.

None of this is randomly punishing. It's the actual math insurers run every day, just compressed into three years instead of spread across a lifetime you'd rather not test it with for real.

How It Ends

There's no score. No leaderboard, no points to chase. At the end of three years, you get a story: what you were covered for, what you weren't, and what it would have actually cost you if the wrong year had been the bad one. Some runs end clean. Some end with a real number attached to what you didn't see coming.

Try It Yourself

It's free, it takes a few minutes, and there's nothing to save or log in for. Build a driver, make your choices, and see what three years actually looks like before you're living through your own. Play Coverage Roulette

This is a prototype and a work in progress. The premiums and payouts are illustrative, not real quotes, but the rules and mechanics behind them are built from actual state insurance regulations. If you spot something that doesn't feel right, or you just want to tell me your worst run, I'd love to hear about it.