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Head-to-head · Insurance Rating Software

Insurity Rating vs Earnix

  • Updated Sep 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Insurity Rating #3 in Insurance Rating Software 7.7/10 Pricing on request ✓ 2 of 2 features Visit Insurity
Earnix #6 in Insurance Rating Software 6.9/10 Pricing on request ✓ 1 of 2 features Visit Earnix

Insurity 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 scoreInsurity Rating · 7.7/10
  • Most featuresInsurity Rating · 2 of 2

Insurity Rating scores higher on our rubric for insurance rating software: 7.7 against 6.9 out of 10; our editors rank them #3 and #6.

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

Insurity Rating is the better fit for commercial carriers rating complex P&C products. Earnix is the better fit for insurers prioritizing pricing optimization.

  • Insurity Rating fits best

    Commercial carriers rating complex P&C products

  • 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 Insurity Rating 7.7/10 Visit ↗ Earnix 6.9/10 Visit ↗
At a glance
Editor score 7.7 6.9
Ranking #3 in Insurance Rating Software #6 in Insurance Rating Software
Best for Commercial carriers rating complex P&C products 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 Insurity Rating 2/2 · Earnix 1/2
Rate versioning ✓ (best) Not published
API access ✓ ✓
Specs
Rating configuration Not published Hybrid
Quote channels Internal Not published
Supported product lines General liability; businessowners policy (BOP); commercial auto; commercial P&C property and casualty; life and health insurance
Deployment Cloud Cloud
Our review
Pros
  • Normalizes machine-readable bureau content and applies carrier-specific rules
  • Supports effective-dated changes with historical references
  • Rates GL, BOP and commercial auto through standards-based APIs
  • 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 requires contacting sales
  • Focused on commercial P&C rather than broad insurance needs
  • Quote channels are internal
  • 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

Insurity Rating, presented on Insurity’s current site as Ratio Content and Rating Engine, is a cloud rating and regulatory content engine for admitted commercial property and casualty carriers. It is aimed at mid-market and enterprise…

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. Insurity RatingInsurance Rating Software 7.7Pricing on request
  2. EarnixInsurance Rating Software 6.9Pricing on request

Strengths and trade-offs

  • Insurity Rating — where it wins

    • Normalizes machine-readable bureau content and applies carrier-specific rules
    • Supports effective-dated changes with historical references
    • Rates GL, BOP and commercial auto through standards-based APIs

    Where it doesn't

    • Pricing requires contacting sales
    • Focused on commercial P&C rather than broad insurance needs
    • Quote channels are internal

  • 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.
  • Insurity Rating7.7/10 · Pricing on request

    A cloud rating engine for carriers managing commercial lines, bureau content and policy-system connections.

    Visit InsurityFull verdict →
  • Earnix6.9/10 · Pricing on request

    Cloud insurance software pairing configurable rating with pricing optimization.

    Visit EarnixFull verdict →

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