Built for AI Agents & Developers

Insurance Rate Data. One API Call Away.

Median premiums, carrier comparisons, and ZIP-level rate intelligence for every major auto insurer. Free tier available. No credit card required.

Try It Now

Try It Right Now

No signup needed. Hit our public endpoints and get real insurance rate data back in milliseconds.

GET /v1/rate200 OK
curl "https://api.truefactor.ai/v1/rate\
  ?zip_code=90210\
  &carrier=geico\
  &coverage_id=standard_50_100_50"

{
  "zip_code": "90210",
  "carrier": "GEICO",
  "premium_6mo": 1724.08,
  "premium_annual": 3448.16,
  "confidence": 0.85,
  "filing": "GIEC-134031650",
  "coverages": [
    { "name": "BI", "premium": 680.42 },
    { "name": "PD", "premium": 311.89 },
    { "name": "COMP", "premium": 195.17 },
    { "name": "COLL", "premium": 363.22 },
    ...
  ]
}
POST /v1/dashboard/compare-quotes200 OK
curl -X POST api.truefactor.ai/v1/\
  dashboard/compare-quotes \
  -d '{"zip_code":"90210",
       "vehicle_year":2024,
       "vehicle_make":"Toyota",
       "vehicle_model":"Camry",
       "coverage_id":"standard_50_100_50"}'

{
  "median_6mo": 1471,
  "carrier_count": 6,
  "quotes": [
    { "carrier": "Farmers",  "premium": 974 },
    { "carrier": "Mercury",  "premium": 1218 },
    { "carrier": "GEICO",    "premium": 1724 },
    { "carrier": "Allstate", "premium": 2665 }
  ]
}
GET /v1/dashboard/bulk-median — Download median premiums for all ZIP codes as CSVCSV
curl "https://api.truefactor.ai/v1/dashboard/bulk-median?format=csv" -o rates.csv

# Returns 2,551 rows:
# zip_code, state, median_6mo, median_annual, geico_6mo, state_farm_6mo, ...
# 90001,    CA,    1062,       2124,          1284,       2369, ...
# 90002,    CA,    1217,       2434,          1541,       2541, ...

What You Can Build

Real use cases from developers and AI agents using TrueFactor data.

AI Insurance Advisor

Build a Claude or ChatGPT agent that answers "How much is car insurance in my ZIP code?" with real carrier-level data.

Claude CodeMCPChatGPT

Rate Comparison App

Create a consumer-facing tool that shows which carrier is cheapest in any ZIP. Our API returns ranked results with confidence scores.

ReactNext.jsMobile

Fleet Cost Estimator

Estimate insurance costs for a fleet of vehicles across multiple states. Bulk endpoint returns medians for 2,500+ ZIPs in one call.

PythonPandasEnterprise

FAVR Reimbursement Engine

Power IRS-compliant vehicle reimbursement programs with ZIP-level median premiums. The exact use case Motus and other FAVR providers need.

FAVRHR TechPayroll

Competitive Intelligence Dashboard

Track how carriers price across geographies. Identify where a carrier is underpricing or losing market position.

ActuarialInsurTechBI

Rate Filing Monitor

Get notified when a carrier files a rate change in your state. Our data updates within days of new SERFF filings, not quarters.

AlertsAutomationWebhook
AI-Native

Built for Claude Code, Codex & AI Agents

Our API is designed to be consumed by AI agents. Simple REST endpoints, predictable JSON responses, no authentication required for public data.

Claude Code Example

Prompt to Claude Code:
"What's the median auto insurance
 premium in Beverly Hills vs
 San Francisco?"

# Claude Code will call:
GET api.truefactor.ai/v1/rate
  ?zip_code=90210
  &coverage_id=standard_50_100_50

GET api.truefactor.ai/v1/rate
  ?zip_code=94110
  &coverage_id=standard_50_100_50

# And respond:
"Beverly Hills (90210): $1,471/6mo
 San Francisco (94110): $846/6mo
 Beverly Hills is 74% more expensive,
 driven by higher territory rates
 from GEICO and Allstate."

Python / Codex Example

Python SDK
import requests

# Get median premium for a ZIP
r = requests.get(
  "https://api.truefactor.ai/v1/rate",
  params={
    "zip_code": "90210",
    "carrier": "geico",
    "coverage_id": "standard_50_100_50"
  }
)
data = r.json()
print(f"GEICO 90210: ${data['premium_6mo']}/6mo")
# → GEICO 90210: $1724.08/6mo

# Bulk download all ZIPs as CSV
r = requests.get(
  "https://api.truefactor.ai/v1/"
  "dashboard/bulk-median?format=csv"
)
with open("rates.csv", "w") as f:
  f.write(r.text)
# → 2,551 rows saved

API Reference

GET
/v1/rate

Single carrier rate lookup for a ZIP code

Params: zip_code, carrier, coverage_idAuth: None
POST
/v1/dashboard/compare-quotes

Compare all carriers for a ZIP + vehicle

Params: zip_code, vehicle_year, vehicle_make, vehicle_model, coverage_idAuth: None
GET
/v1/dashboard/bulk-median

Download median premiums for all ZIP codes

Params: coverage_id, format (csv|json)Auth: None
POST
/v1/dashboard/factor-chain

Full factor breakdown per coverage line

Params: carrier, zip_code, coverage_idAuth: None
GET
/v1/health

Health check

Params: —Auth: None

Base URL: https://api.truefactor.ai — All public endpoints require no authentication.

Rate limited to 100 requests/minute on free tier. Need more?

Data Coverage

41,000+
ZIP Codes
All 50 states + DC
14
Carriers
National + regional insurers
3
Coverage Tiers
State min, standard, high
SERFF
Data Source
Regulatory rate filings

Expanding to 50 states and 20+ carriers. Data validated against CDI Auto Premium Survey.

Start Building Today

No signup required for public endpoints. Get an API key for higher rate limits and premium features.