Insurnest · Auto Insurance Platform for MGAs
Launch Auto insurance products in weeks, not months.
Insurnest gives auto MGAs state-by-state rating configuration, flexible product design for personal and commercial auto, and a distribution stack that handles the speed and volume the line demands.
The auto MGAs falling behind are not losing on price. They are losing on agility.
In a line where inflation, weather events, and competitor moves can shift the profitable rate by 8% in a quarter, the speed at which you can respond to market conditions is your primary competitive advantage.
Repricing a state takes weeks instead of hours
Inflation hits repair costs hard in Texas. A competitor drops their rate in California. Your loss ratio in Florida starts moving. If responding to any of these requires an engineering ticket, a testing cycle, and a deployment — you are repricing in weeks while the market moves in days. Every week you hold a rate that is no longer profitable is premium written at a loss. The platform should let your underwriting team adjust a state's rating factors and see the change live in the same day.
Non-standard auto is being left unserved because platforms cannot handle the complexity
Non-standard auto — SR-22, high-risk drivers, exotic vehicles, rideshare operators — represents a significant and underserved segment. Serving it requires surcharge tables, SR-22 filing triggers, and eligibility rules that generic platforms simply do not have. MGAs who could own this segment are walking away from it because their technology cannot handle the product logic. That premium goes unwritten or goes to a competitor with better infrastructure.
Fleet programs need per-vehicle rating and driver management that most platforms were never designed for
Commercial fleet — trucking, delivery, construction, rideshare — cannot be rated as a single entity. Each vehicle has its own class, use, radius of operation, and annual mileage. Each driver has their own history. When a platform cannot handle this at the policy level, underwriters create workarounds that make the book unmanageable at scale and impossible to audit cleanly for reinsurers.
State-level agility. Non-standard capability. Fleet management built in.
State-by-state rating configuration
Each state has its own rating table, mandatory coverage requirements, liability minimums, and surcharge rules — independently configured. Change a territory factor in one state without touching any other. Rate revisions go live immediately on new quotes. Upcoming renewals can be updated in bulk or individually.
Non-standard and SR-22 handling
Non-standard surcharge tables, SR-22 eligibility triggers, and DMV filing notifications are configured in the BRE. The platform automatically generates SR-22 filing notifications for bound policies that require them. No manual process, no missed filings.
Commercial fleet rating
Configure fleet rating by vehicle class, radius of operation, cargo type, and annual mileage. Attach driver rosters at the fleet level. Schedule individual vehicles with their own coverage selections. Aggregate fleet limits enforced automatically.
Telematics integration
Connect a telematics data provider to offer usage-based or behaviour-based pricing. Driving scores applied as a rating factor at new business or at renewal. Policyholders who drive well pay less. Your loss ratio improves.
What auto MGAs achieve after going live on Insurnest.
Rate changes in hours, not weeks
Territory rating factors, driver surcharge tables, and vehicle class loadings adjusted in the BRE by your underwriting team and live on new quotes the same day. Respond to market conditions before the loss ratio forces your hand.
Non-standard premium that was previously out of reach
SR-22 handling, high-risk driver surcharge tables, and non-standard eligibility rules built into the platform mean you can write the segment without manual workarounds. A segment most MGAs leave unserved becomes a profitable, managed line.
Fleet programs that scale cleanly
Per-vehicle rating, driver roster management, and aggregate fleet limit monitoring handled inside the platform. Fleet programs that previously required manual spreadsheet management become an auditable, scalable product line.
Live in under six weeks
State rating tables, driver factors, vehicle classification, SR-22 configuration, and coverage options set up and live in four to six weeks. No engineering resource required on your side.
How we compare to the alternatives.
| Feature | Insurnest | Generic P&C Platform | Build In-House |
|---|---|---|---|
| State-by-state independent rating | Native | Complex configuration | From scratch |
| SR-22 and non-standard auto handling | Included | Requires customisation | Separate build |
| Commercial fleet per-vehicle rating | Included | Limited | 12+ months |
| Telematics integration | Included | Not standard | Significant API project |
| Same-day rate changes by underwriters | Requires engineering | Not possible without custom build | |
| Live in under 6 weeks | 6–18 months | 12–24 months |
Auto MGAs and fleet program administrators writing with Insurnest.
Let's talk about your auto program.
Tell us your target market — personal, non-standard, or commercial fleet — and we will show you how the platform handles your specific product logic.
We reply within one business day.
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Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.