# TurboRater

**Canonical:** https://apis.io/providers/turborater/  
**Website:** https://www.turborater.com  
**APIs profiled:** 4

TurboRater is a personal lines comparative insurance rating platform from Insurance Technologies Corporation (ITC), now part of Zywave (marketed within Zywave Sales Cloud). It lets agencies, carriers, lead providers, and online aggregators quote auto, homeowners, condominium, renters, dwelling fire, and motorcycle coverage from 200+ carriers in a single workflow. ITC exposes a web service-based rating API (a service-oriented version of TurboRater it first offered to third parties in 2010, extended with a homeowner rating API in 2016) that returns real-time rates from hundreds of carriers and can pull quote data as XML or ITC's proprietary Turbo Tags (TT2) format, plus a real-time bridge that hands a completed quote into an agency point-of-sale or management system. The rating API is partner- and subscription-gated - access, carrier appointments, and the developer documentation are provisioned through ITC/Zywave sales rather than a public developer portal, so the specific endpoints below are honestly modeled from published behavior, not copied from a public API reference.

## Kin Score — 17.7 / 100 (emerging)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 17.7).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 9.5 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Insurance**: 9.1 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (4)

- **TurboRater Rating and Quotes API** — Submit a single comparative rating request and receive real-time premiums and coverage back from many carriers at once, across auto, homeowners, condominium, renters, dwelling f...
- **TurboRater Applicants and Risk API** — Capture the applicant, drivers, vehicles, dwelling, and coverage detail that a comparative rating request is built from, so a single point of data entry can be reused across eve...
- **TurboRater Real-Time Bridge API** — Hand a completed quote from TurboRater into a downstream point-of-sale, agency management, or website platform in real time, or export it for daily download, using ITC's Turbo T...
- **TurboRater Results Retrieval API** — Pull the quote and rate results a rating request produced, in either XML or ITC's proprietary TurboTags (TT2) format, so any third-party system can consume premiums, coverages, ...

## Security (1)

- **Turborater Domain Security** — TLSv1.2 · HSTS · DMARC

## Plans (1)

- **Turborater Plans Pricing**

## Tags

Insurance, Insurtech, Comparative Rating, Auto Insurance, Home Insurance, Quotes, Real-Time Rating, Personal Lines, ITC, Zywave

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/turborater/). Scores are computed from the provider's own public artifacts under a published rubric.