IAA (Insurance Auto Auctions) charges five main fees on top of your winning bid: a tiered buyer's premium ($49 up to 6.5% of the bid), a service fee (~$79), an environmental fee (~$15), a title/admin fee (~$15), and an internet bid fee (~$89) for online buyers. Use the free calculator on this page to see every fee and your true out-the-door cost for any bid amount and state.
You will see this tool called both an IAA fee calculator and an IAAI fee calculator — IAA and IAAI are the same company, which rebranded from Insurance Auto Auctions Inc. The IAA fees below are the buyer-side charges added to a winning bid, and they are identical whichever spelling you searched for.
IAA Buyer's Premium Schedule (2026)
| Winning Bid | Buyer's Premium |
|---|
| Under $100 | $49 |
| $100 – $499 | $99 |
| $500 – $999 | $149 |
| $1,000 – $1,999 | $199 |
| $2,000 – $4,999 | $299 |
| $5,000 – $7,499 | $399 |
| $7,500+ | 6.5% of the winning bid |
Other IAA Fees Every Buyer Pays
- Service fee: ~$79 (facility and handling)
- Environmental fee: ~$15
- Title / admin fee: ~$15
- Internet bid fee: ~$89 (online bidding)
- Transport: typically $450–$750 depending on distance and state
Worked Example: IAAI Fees on a $3,000 Winning Bid
$3,000 bid + $299 buyer's premium + $79 service fee + $15 environmental fee + $15 title fee + $89 internet bid fee = $3,497 before transport — about $497 in fees, or 17% on top of the bid.
Frequently Asked Questions
How much are IAAI fees on a $3,000 car?
On a $3,000 winning bid, expect roughly $497 in IAA fees: $299 buyer's premium, $79 service fee, $15 environmental fee, $15 title fee, and $89 internet bid fee. Add transport (typically $450 to $750) for your true out-the-door cost.
How much are IAAI fees in 2026?
IAA charges a tiered buyer's premium from $49 (bids under $100) up to 6.5% of the winning bid (bids over $7,500), plus a service fee (~$79), environmental fee (~$15), title/admin fee (~$15), and an internet bid fee (~$89) for online buyers. Total fees typically add $200–$800 on top of the winning bid, before transport.
Do you need a dealer license to buy from IAAI?
Not everywhere. IAA offers public access in many states through its registration tiers, but some states and title types are licensed-buyer-only. Each listing shows who can bid, and licensed brokers can buy restricted vehicles on your behalf for a fee.
How is IAAI different from Copart?
Both are salvage auction platforms selling insurance total-loss vehicles. Fee structures differ — IAA's buyer premium tops out at 6.5% while Copart's runs $609 + 5% over $8,000 — and inventory varies by region and insurance partners. Many buyers watch both; the max bid math is the same either way.
What is the total cost of buying a car from IAAI?
Total cost = winning bid + buyer's premium + service fee + environmental fee + title fee + internet bid fee + transport + repairs. The fee calculator handles everything except repairs — an AutoEstimatePro Damage Report ($14.99) adds line-item repair costs, live parts pricing, and your exact max bid (MFB/MRB/MSB).
IAA Max Bid Calculator | IAAI Hauling Fees | Copart Fee Calculator | Get a Damage Report