Checkr Launches Insurance Solution to Give Carriers Direct Access to Fresher, More Comprehensive Records

New solution helps auto, life, and home insurance carriers make faster, more informed decisions with identity, driving, and criminal records

SAN FRANCISCO, Sept. 22, 2026 /PRNewswire/ -- Checkr, an AI-powered verification platform for high-stakes decisions, today announced the launch of its insurance offering, giving auto, life, and home insurance carriers a new way to access the information they need to evaluate applicants and price risk.

As consumers increasingly shop around for insurance, they are obtaining an average of 3.5 quotes before purchasing a policy, the highest level on record, according to J.D. Power's 2026 Insurance Shopping Study. Additionally, nearly half (48%) of new auto insurance policies are purchased digitally, up from 36% five years ago. This shift is creating new challenges for carriers, who must evaluate more applicants, faster, with less verified information, all before knowing who will ultimately become a policyholder.

To manage verification costs, carriers are left choosing between two imperfect options. They can run comprehensive checks up front, pricing accurately but still spend on applicants who never convert. Alternatively, they can quote instantly on self-reported information, then revise the price once verified data comes in, potentially sending shoppers elsewhere or causing them to walk away before purchasing.

Checkr's insurance offering provides carriers with the information they need for more accurate, informed pricing estimates at the initial quote. By giving underwriters direct access to identity, criminal, public record, and driving data from more than 2,400 government sources, with data refreshed daily and classified into more than 250 offense types, Checkr gives pricing and analytics teams a clearer, more structured view of applicants.

Built for Better Insurance Decisions

Checkr's insurance solution gives carriers:

• Broader coverage: More than 260 million profiles covering 96% of U.S. adults, with up to 20% more driving, criminal, and public records than legacy providers.
• Fresher data: Thousands of proprietary data sources, refreshed daily with authoritative government and credit data.
• More detailed records: Over 250 offense classifications that give carriers more detail than a simple hit-or-no-hit result.
• Higher-confidence matching: Technology that helps connect applicants to the right records and reduces manual review.
• Outcome-based pricing: Carriers pay when an applicant becomes a policyholder, rather than per transaction.

"Insurance is a high-stakes business, but too often the information carriers rely on is one step removed from the source," said Michele Casertano, general manager of Insurance & Trust at Checkr. "Checkr's insurance solution changes that. By giving carriers direct access to fresher, more comprehensive records, we're helping them move faster, make better-informed decisions, and give customers greater confidence."

"Hippo's quoting and underwriting technology is central to how we build a disciplined, diversified portfolio of risk," said Ilya Shnol, chief underwriting officer at Hippo. "Checkr gives us access to additional data signals that help inform our risk assessment earlier in the process. That supports more consistent underwriting decisions and helps us identify homeowners who are a good fit for our program."

Checkr's insurance offering is now available to carriers nationwide. Learn more at insurance.checkr.com.

About Checkr
Checkr is the AI-powered verification platform for high-stakes decisions. Checkr AI decodes messy, fragmented, hard-to-verify information about people, and delivers clear answers about a person's identity, background, and credentials. Trusted by more than 140,000 customers globally across employment, insurance, mortgage, and tenant verifications, Checkr helps businesses and individuals make more confident decisions. Checkr has offices in San Francisco, CA; Denver, CO; and Santiago, Chile. Learn more at checkr.com.

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SOURCE Checkr, Inc.