EZLynx Rating Engine review for insurance agencies: pricing, carriers and integrations
EZLynx Rating Engine takes one auto, home or dwelling fire application and returns quotes from your carriers side by side. It logs in to each carrier's website with your agency's own logins.
It fits independent personal lines agencies and is sold alone or inside the EZLynx Management System, at a price quoted by sales.
- Best for
- Independent agencies quoting personal auto and home with many carriers, on EZLynx or standalone
- Lines
- Personal auto, homeowners and dwelling fire
- Price
- Quoted by sales, by users and products
- Carriers
- 330+
- States
- 48 states and DC, not Alaska or Hawaii
- How it connects
- Logs in to carrier websites with your agency's carrier logins
- Agency system
- EZLynx Management System built in. Imports from HawkSoft
- Free trial
- Yes, length on request
Our take
EZLynx suits a personal lines agency that wants a large carrier list and consumer quoting tied to its rater. The estimated premium slider and applicant swap are handy extras.
Because it works through carrier websites, a carrier can drop out for a while when its site changes.
Agencies on Applied Epic may prefer Epic Quotes instead.
Pros
- 330+ carriers in 48 states
- Website and text consumer quoting
- Estimated premium before you submit
- Prefill from LexisNexis, Fenris and CoreLogic
- Free trial
Cons
- Personal lines only
- Twelve-month minimum with no refunds
- Carriers pause when their websites change
- Prefill pulls cost extra
Plans and pricing
EZLynx publishes no price for EZLynx Rating Engine and quotes it by the number of users and the EZLynx products you add. The cost guide lists the add-on fees raters do publish.
- How it's priced
- Quoted by sales
- What sets the price
- Number of users and which EZLynx products you add
- Setup
- Setup help and training included. Data import help only with a paid data service
- Who to ask
- EZLynx sales at 877-932-2382
| Fee | Price | When it applies |
|---|---|---|
| LexisNexis driver and vehicle prefill | $0.66 a pull | Each unique pull after any free pulls. Included in Retail Standard and Advanced |
| Fenris prefill | Billed by Fenris | Repeat views within 30 days are free |
| Quote By Text | Quote only | Add-on for Rating Only users |
| One-on-one training | Quote only | Optional |
As of October 2026, from ezlynx.com and its help center. Applied can change fees with 30 days' notice.
Carriers, lines and states
- Carriers
- 330+
- Personal lines
- Auto, homeowners and dwelling fire
- States
- 48 states and DC, not Alaska or Hawaii
- Carrier list
- EZLynx carrier list by state and line
- Adding a carrier
- Your admin adds listed carriers by state and line. New states go through support
EZLynx says it rates 330+ carriers, as of October 2026. The list counts carrier programs separately, so one insurer can appear more than once.
How carrier connections work
| Carriers | How it connects | What it means for you |
|---|---|---|
| All rated carriers | Fills the carrier's website using your login | Real carrier rates, but a carrier drops out when its site or your login changes |
- Appointment needed
- Yes, your own or through an alliance or market access provider
- Whose carrier logins
- Your agency's
- Where logins are kept
- In EZLynx carrier setup, tested with Save and Test
Carrier site changes pause quotes. When a carrier changes its website, EZLynx turns that carrier off until its scripts are fixed. How long that takes varies a lot.
Applicant questions and prefill
You fill one application, and each carrier adds its own questions on top. Defaults and templates cover repeat answers.
| Data | Source | Cost | Plan |
|---|---|---|---|
| Drivers and vehicles | LexisNexis | $0.66 a pull | Included in Retail Standard and Advanced |
| Drivers and vehicles | Fenris | Billed by Fenris | Your own Fenris account |
| VIN | Polk | ||
| Property and replacement cost | CoreLogic RCT Express | Property Lookup with Replacement Cost | |
| Massachusetts drivers | Massachusetts RMV | Free | When LexisNexis is off |
| Florida replacement cost | Citizens estimator | Free | Citizens HO3 and dwelling risks |
- Imports from
- HawkSoft, other systems' PDF or XML files, and consumer quotes
- Retyping still needed
- If carrier reports change the application, update and resubmit it
EZLynx doesn't run MVR, CLUE or credit itself. The application can let carriers run credit.
Quote results, bridge and bind
| Result | What it means for you |
|---|---|
| Real-time quote | The carrier's own rate from its site |
| Indication | A rough rate the carrier hasn't confirmed |
| Error | The carrier couldn't rate it, with the reason |
Results show as a graph or list by carrier, with full pay, monthly and EFT premiums. Each opens to coverages, discounts and underwriting messages.
- Bridge to carrier
- EZLogin opens the quote on the carrier's site, in Chrome or Edge
- Bind in the rater
- No. You bind on the carrier site
- Saved quotes
- Kept 18 months
Consumer quoting
- How it works
- A website widget, hosted page or Quote By Text
- What the consumer sees
- Live quotes, or a note that you'll be in touch. By text, the three lowest auto quotes
- Where the lead goes
- A new applicant in EZLynx and an alert to your agency
- Plan
- Comes with the EZLynx Management System. Quote By Text needs the Advanced package or an add-on
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| EZLynx Management System | Agency system | Built in | Both ways | Quotes, clients and policies in one place |
| HawkSoft | Agency system | Import | In | Sends auto and home clients for quoting |
| Other agency systems | Agency system | PDF or XML file | In | One customer at a time |
| LexisNexis and Fenris | Prefill | Built in | In | Drivers and vehicles |
| CoreLogic RCT Express | Prefill | Built in | In | Property details and replacement cost |
Getting started
Try it or see a demo
Sign up for the free trial or book a demo.
Sign the order
Pick users and products on a 12-month term.
Add carriers
Your admin adds each carrier by state and line with your logins.
Set defaults
Build carrier defaults and quote templates.
Train
Live and recorded training, webinars and weekly office hours.
EZLynx says most agencies are running in a few weeks. LexisNexis prefill setup takes two to three weeks or more.
Mobile, users and security
Mobile
EZLynx Mobile is the browser version sized for phones and iPads. You can edit and submit applications and review quotes.
Users and security
- Admin, basic and texting admin roles
- Two-factor login
- Lockout after five tries
- 45-minute timeout
- SOC 3 report from Applied
Support and connection problems
- Support channels
- Phone, email, help center and training
- Hours
- Weekdays 7 a.m. to 7 p.m. Central
- Status page
- ezlynx.statuspage.io
- If a carrier connection fails
- EZLynx pauses the carrier and turns it back on once fixed
For outages of EZLynx itself, Applied aims to fix the cause within two hours of finding it or give a timeline. That promise doesn't cover a single carrier being off.
Contract terms
- Term
- At least 12 months
- Renewal
- Set in the order. Otherwise either side can end it after the first term
- Notice
- 60 days in writing
- Refunds
- None. Fees are paid in advance
- Your data
- A copy on request once paid up, for a fee. Deleted within 180 days
- Terms
- EZLynx terms
Terms read in October 2026. Leaving early means paying the rest of the term unless EZLynx is in breach.
EZLynx Rating Engine alternatives
- PL RatingQuote onlyPersonal lines rater from Vertafore, with carrier direct connections
- TurboRaterQuote onlyPersonal auto and home rater from Zywave
- QuoteRUSHQuote onlyHome and auto rater strong in Florida and coastal markets
- Epic Quotes Personal LinesQuote onlyBuilt into Applied Epic, no separate login
See every option in insurance quoting software.
Frequently asked questions
How much does EZLynx Rating Engine cost?
Sales quotes it by users and products. LexisNexis prefill adds $0.66 a pull after any free pulls.
Does EZLynx use my own carrier appointments and logins?
Yes. You enter your agency's carrier website logins, and alliance members can use their parent agency's.
Can I bind in EZLynx?
No. EZLogin opens the quote on the carrier's site, where you bind.
Is there a free trial?
Yes. EZLynx doesn't publish how long it runs, so ask when you sign up.
Can prospects quote on my website?
Yes, with Consumer Quoting in the EZLynx Management System. Quote By Text sends the three lowest auto quotes.
How we researched this review. We based this review on the pricing, terms and product pages published by EZLynx Rating Engine, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan EZLynx Rating Engine quit selling or a contract term that reads different now, let us know and send the link to the page where EZLynx Rating Engine has it. Somebody here pulls up that page and checks it before we change anything on ours.