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Head-to-head · Insurance Rating Software

Guidewire Rating vs Earnix

  • Updated Sep 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Guidewire Rating #5 in Insurance Rating Software 7.1/10 Pricing on request ✓ 2 of 2 features Visit Guidewire
Earnix #6 in Insurance Rating Software 6.9/10 Pricing on request ✓ 1 of 2 features Visit Earnix

Guidewire Rating leads on 1 check, Earnix on 0, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreGuidewire Rating · 7.1/10
  • Most featuresGuidewire Rating · 2 of 2

Guidewire Rating scores higher on our rubric for insurance rating software: 7.1 against 6.9 out of 10; our editors rank them #5 and #6.

Guidewire Rating offers rate versioning; Earnix doesn't publish it.

Guidewire Rating is the better fit for P&C carriers using Guidewire policy workflows. Earnix is the better fit for insurers prioritizing pricing optimization.

  • Guidewire Rating fits best

    P&C carriers using Guidewire policy workflows

  • Earnix fits best

    Insurers prioritizing pricing optimization

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes our verdict. How we rank.

Side by side

Feature Guidewire Rating 7.1/10 Visit ↗ Earnix 6.9/10 Visit ↗
At a glance
Editor score 7.1 6.9
Ranking #5 in Insurance Rating Software #6 in Insurance Rating Software
Best for P&C carriers using Guidewire policy workflows Insurers prioritizing pricing optimization
Pricing model Paid Paid
Starting price Not published Not published
Free plan Not published Not published
Free trial — —
Deployment Cloud Cloud
Platforms Web Web
Built for Mid-market, Enterprise Mid-market, Enterprise
Features Guidewire Rating 2/2 · Earnix 1/2
Rate versioning ✓ (best) Not published
API access ✓ ✓
Specs
Rating configuration Hybrid Hybrid
Quote channels Not published Not published
Supported product lines property and casualty property and casualty; life and health insurance
Deployment Cloud Cloud
Our review
Pros
  • Configure rate models, rating factors, formulas, and effective-dated changes
  • Calculate premiums during quoting and policy transactions
  • Integrates with PolicyCenter, BillingCenter, and ClaimCenter
  • Combines insurance product and rate configuration with pricing analysis.
  • Configurable rating logic supports centralized rating capabilities.
  • API-based integration supports quote and pricing decision workflows.
Cons
  • Pricing is available by contacting Guidewire rather than through public plans
  • Rating is focused on property and casualty insurance
  • Its strongest fit depends on Guidewire policy administration workflows
  • Pricing is handled through contact sales.
  • Published details offer limited visibility into versioning and testing.
  • Not positioned for teams outside mid-market or enterprise insurers.
Our verdict

Guidewire Rating provides rating and pricing functionality within Guidewire InsuranceSuite for property and casualty insurers. It is aimed at mid-market and enterprise carriers that need to configure insurance-product rate models, factors,…

Read the review →

Earnix provides cloud software for insurers to design products, configure rating logic, optimize pricing and support quote decisions. It is aimed at carriers seeking centralized pricing and rating capabilities across property and casualty,…

Read the review →
  1. Guidewire RatingInsurance Rating Software 7.1Pricing on request
  2. EarnixInsurance Rating Software 6.9Pricing on request

Strengths and trade-offs

  • Guidewire Rating — where it wins

    • Configure rate models, rating factors, formulas, and effective-dated changes
    • Calculate premiums during quoting and policy transactions
    • Integrates with PolicyCenter, BillingCenter, and ClaimCenter

    Where it doesn't

    • Pricing is available by contacting Guidewire rather than through public plans
    • Rating is focused on property and casualty insurance
    • Its strongest fit depends on Guidewire policy administration workflows

  • Earnix — where it wins

    • Combines insurance product and rate configuration with pricing analysis.
    • Configurable rating logic supports centralized rating capabilities.
    • API-based integration supports quote and pricing decision workflows.

    Where it doesn't

    • Pricing is handled through contact sales.
    • Published details offer limited visibility into versioning and testing.
    • Not positioned for teams outside mid-market or enterprise insurers.

More comparisons

All insurance rating software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update