The Best Insurance Rating Software in 2026
We researched insurance rating software using vendors’ official websites, including pricing pages, plan tables, and product documentation. Rankings focus on each product’s core rating capabilities, value for money, and verified features, helping insurers and intermediaries compare tools for calculating premiums and generating policy quotes.
Our top picks
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Top ranked
Akur8#1 of 159.3/10Akur8 connects actuarial modeling with versioned, API-deployed insurance rates.
Pricing on request · 14-day trial
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Runner-up
SelectRate#2 of 159.1/10A focused commercial rating platform with configurable rules, effective-dated changes, and an API sandbox.
Pricing on request
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#3 ranked
Insurity Rating#3 of 159.0/10A cloud rating engine for carriers managing commercial lines, bureau content and policy-system connections.
Pricing on request
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 15 tools, best first
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Best forInsurers building and deploying actuarial pricing models
Akur8 connects actuarial modeling with versioned, API-deployed insurance rates.
- Rate versioning
- API access
Pricing on request · 14-day trial Our Akur8 verdict → Visit Akur8For vendors Sponsor this spot · #1 · $149/mo →9.3/10★★★★★Visit Akur8 -
Best forCommercial insurers using ISO rating content
A focused commercial rating platform with configurable rules, effective-dated changes, and an API sandbox.
- Rate versioning
- API access
9.1/10★★★★★Visit SelectRate -
Best forCommercial carriers rating complex P&C products
A cloud rating engine for carriers managing commercial lines, bureau content and policy-system connections.
- Rate versioning
- API access
9.0/10★★★★☆Visit Insurity -
Best forInsurers needing configurable rating with regression tests
A configurable rating engine for insurance teams that need traceable rate changes.
- Rate versioning
- API access
8.8/10★★★★☆Visit The Algorithm -
Best forP&C carriers using Guidewire policy workflows
P&C rating and premium calculation built into Guidewire policy workflows.
- Rate versioning
- API access
8.6/10★★★★☆Visit Guidewire -
Best forInsurers prioritizing pricing optimization
Cloud insurance software pairing configurable rating with pricing optimization.
- API access
8.4/10★★★★☆Visit Earnix -
Best forEstablished carriers rating multiple lines and states
A configurable, cloud-based rating engine for carriers working across lines and states.
- API access
8.2/10★★★★☆Visit pasRater.Net -
Best forCarriers needing fast, connected personal-lines quotes
A cloud rating engine for fast personal- and commercial-lines quotes.
- Rate versioning
8.0/10★★★★☆Contact RDT -
Best forEnterprise teams requiring self-hosted rating
A self-hosted rating platform for insurers managing controlled rate changes and deployments.
- Rate versioning
- API access
7.8/10★★★★☆Visit Oracle -
Best forInsurance teams managing visual pricing workflows
Visual rating workflows with testing, governance controls and API publishing.
- Rate versioning
- API access
7.6/10★★★★☆Visit Swallow -
Best forP&C insurers seeking rating within a core suite
A cloud core suite with rating-related configuration, alongside the wider insurance lifecycle.
7.4/10★★★★☆Visit BriteCore -
Best forP&C carriers wanting rating in a broad core suite
A broad P&C core suite that includes rating alongside policy, billing, and claims tools.
7.2/10★★★★☆Visit Majesco -
Best forSmall insurers focused on policy operations
Insly organizes policy operations, but its listed capabilities do not establish a rating focus.
6.8/10★★★☆☆Visit Insly -
Best forEnterprise insurers evaluating claims management
An enterprise-focused claims product, not a clearly established insurance rating tool.
6.2/10★★★☆☆Contact EIS Group -
Best forBenefits teams in mid-market and enterprise employers
A configurable benefits platform for enrollment, self-service and COBRA administration.
6.0/10★★★☆☆Visit WTW
No tools match those filters.
Compare at a glance
| # | Tool | Paid from | Rating configuration | Rate versioning | Supported product lines | API access | Score |
|---|---|---|---|---|---|---|---|
| 1 | Akur8 | Hybrid | Yes | Non-life: P&C, health, and pet insurance | Yes | 9.3 | |
| 2 | SelectRate | Visual | Yes | General Liability, Property, Businessowners (BOP), Commercial Auto, Workers' Compensation, additional commercial and specialty lines | Yes | 9.1 | |
| 3 | Insurity Rating | Yes | General liability; businessowners policy (BOP); commercial auto; commercial P&C | Yes | 9.0 | ||
| 4 | Regure Rating | Visual | Yes | Commercial property; commercial lines; auto; health; casualty and liability; catastrophe | Yes | 8.8 | |
| 5 | Guidewire Rating | Hybrid | Yes | property and casualty | Yes | 8.6 | |
| 6 | Earnix | Hybrid | property and casualty; life and health insurance | Yes | 8.4 | ||
| 7 | pasRater.Net | Visual | Any line of business | Yes | 8.2 | ||
| 8 | RDT Insurer Hosted Rating | Yes | personal lines, commercial | 8.0 | |||
| 9 | Oracle Insurance Insbridge Enterprise Rating | Visual | Yes | Yes | 7.8 | ||
| 10 | Swallow | Hybrid | Yes | Personal, commercial, and specialty insurance lines, including auto, homeowners, workers' compensation, general liability, cyber, and marine | Yes | 7.6 | |
| 11 | BriteCore | 7.4 | |||||
| 12 | Majesco P&C Core Suite (P&C Intelligent Core Suite) | 7.2 | |||||
| 13 | Insly | 6.8 | |||||
| 14 | EIS ClaimCore | 6.2 | |||||
| 15 | BenefitConnect | 6.0 |
Head-to-head All 28 comparisons →
- Akur8 vs SelectRate
- Akur8 vs Insurity Rating
- Akur8 vs Regure Rating
- Akur8 vs Guidewire Rating
- Akur8 vs Earnix
- Akur8 vs pasRater.Net
- Akur8 vs RDT Insurer Hosted Rating
- SelectRate vs Insurity Rating
- SelectRate vs Regure Rating
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How we rank insurance rating software
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update