Should I pay or charge monthly, quarterly or annually?

Find the true annual cost of paying an insurance premium more often than once a year, expressed as an APR you can compare across payment frequencies.

Input
$

The amount you actually pay each time, at the frequency selected below.

How often the modal payment above is made (monthly, quarterly, or semiannually).

$

The premium amount if paid once a year in full, used as the baseline for comparison.