Insurance Xdate review for insurance agents: data, pricing and permitted use
Insurance Xdate is a search tool for commercial producers built on state workers comp reporting, DOT records and benefit plan filings. You set a territory and an expiration window and work the list.
An x-date is the date a policy is due to renew. Workers comp and DOT dates are reported, and other lines are assumed to renew with workers comp. Plans start at $100 a user each month.
- Best for
- Commercial producers prospecting by workers comp or trucking renewal in their territory
- Data type
- Workers comp, DOT, Form 5500 and nonprofit filings
- Renewal date
- Reported workers comp and DOT dates. Other lines assumed to match workers comp
- Lines
- Workers comp, trucking, group health, retirement and PEO
- Price
- From $100 a user each month
- Do Not Call check
- No. Compliance sits with you
- Delivery
- CSV, HubSpot, Salesforce, Zapier and an API
- Trial or sample
- 7-day free trial with contacts hidden
Our take
Insurance Xdate suits a commercial producer who prospects by workers comp or trucking renewal. The filters, CRM push and team tools are built for that job.
Only workers comp and DOT dates are reported, and several states have no workers comp x-date at all. Check your states before you buy.
Agency plans are a yearly commitment with no refunds.
Pros
- Reported workers comp and DOT expiration dates
- Pushes accounts to HubSpot and Salesforce
- Alerts for OSHA violations, rate increases and new locations
- A free week to test your territory
- A pay-per-request API
Cons
- No workers comp x-date in Ohio and several other states
- Other lines are assumed to renew with workers comp
- Agency plans lock you in for a year
- No refunds
- Full plan prices aren't posted
Data sources and dates
| Source | What it gives you | How often it updates |
|---|---|---|
| State workers comp reporting | Expiration date, carrier, premium, class code, payroll and experience mod | Monthly to quarterly |
| FMCSA and DOT records | Fleet, insurance, safety, inspections and crashes | No schedule given |
| Form 5500 filings | Group health and retirement plans with plan year and Schedule A | No schedule given |
| IRS Form 990 | Nonprofit organizations | No schedule given |
| OSHA records | Inspections and violations | No schedule given |
| Business and contact data | Phone, email, website and LinkedIn | Yearly |
- Renewal date
- Workers comp expiration, DOT insurance expiration and plan years
- How it's built
- Workers comp and DOT dates are reported. Plan years come from filings. Other commercial lines are assumed to share the workers comp date
Only workers comp and DOT dates are reported. For general liability, property and auto, Insurance Xdate assumes the policy renews with workers comp. Many businesses split those dates, so confirm early.
Coverage
- Lines
- Workers comp, trucking, group health, retirement, PEO and nonprofits
- Prospect type
- Businesses and nonprofits found in public records, not people asking for quotes
- States
- All states, but workers comp fields vary. Ohio has no x-date. Hawaii, Michigan, North Dakota, Washington, Wisconsin and Wyoming show multi-state firms only, with no x-date
- Record count
- More than 5.2 million workers comp policies
Insurance Xdate counts as of October 2026. It also lists 1.24 million DOT filings and 800,000 retirement plans. California covers contractors and multi-state firms only.
Fields, filters and sample
Fields you get
- Assigned risk and PEO flags
- Business name and address
- Carrier and carrier group
- Class code and SIC
- Current agency
- Experience mod
- Health and retirement plan details
- Payroll, employees and sales
- Phone and email where known
- Policy number
- Premium
- Website and LinkedIn
- Workers comp expiration date
Filters
- Assigned risk and PEO
- Carrier group in or out
- Current agency
- Employees, sales and payroll
- Experience mod
- Expiration date range
- Industry, class code and SIC
- Multi-state
- OSHA violations
- Premium and premium change
- State, county or ZIP radius
Freshness and accuracy
- Update schedule
- Workers comp dates and carriers monthly to quarterly. Contacts yearly
- Known gaps
- Carrier changes midway through a policy take time to show. PEO records have limits
Pricing, credits and exports
| Plan | Price | Billed | What you get | Users |
|---|---|---|---|---|
| StarterA solo producer | From $100 a month | Monthly or yearly | 200 records each billing cycle, 90 days ahead | Per user |
| AgencyAn office with several producers | Quote only | Yearly term, paid monthly or yearly | Up to 4,000 rows per export. Yearly billing looks 14 months ahead | Per user, one office |
| EnterpriseData licensing | Quote only | Quote only | Bulk CSV or JSON, API and MCP (a link for AI assistants) | Custom |
Starting price as of October 2026, from the Insurance Xdate support FAQ. Full plan prices aren't posted.
| Request | Price |
|---|---|
| Company details | $0.25 |
| Rate filing search | $0.05 |
| Rate filing detail | $0.10 |
| Talking points | $0.10 |
Good to know before you buy
- Every plan has a cap of 200,000 records a year, which you can raise for a fee.
- Each user gets $5 of API credit a month that doesn't carry over.
- Canceling a monthly-billed Agency plan early costs half of what is left on the year.
- No refunds.
Which plan has it
| Feature | Starter | Agency | Enterprise |
|---|---|---|---|
| Records | 200 a cycle | 4,000 per export | Bulk |
| How far ahead | 90 days | 90 days, or 14 months yearly | Custom |
| Bulk CSV or JSON |
Phone, email and Do Not Call
- Phone numbers
- Where the data has one
- Do Not Call check
- Not done. Compliance sits with you
- Where the data has one
Remember that a phone or email field is not consent to call, text or email.
Permitted use
- How you may use it
- Your own commercial or benefits prospecting
- How long
- While you subscribe
- Who can use it
- The named user, or agency users at one office. Carriers and marketing groups need separate terms
- Resale
- Not allowed
Delivery and connections
| Connects to | Type | Direction | What it does |
|---|---|---|---|
| HubSpot | CRM | Out | Pushes accounts, contacts and notes or updates records already there |
| Salesforce | CRM | Out | Same as HubSpot, with field mapping |
| Zapier | Zapier | Out | Sends chosen records or flagged changes to other apps |
| REST API and MCP | API | Both ways | Search and company details, paid per request |
- Download formats
- CSV. Bulk CSV and JSON on Enterprise
- API
- REST and MCP with an API key or OAuth
Search, lists and alerts
- Search
- Territory, expiration date, industry, carrier, premium and size
- Territories
- State, county or a ZIP radius of 1 to 100 miles
- Saved searches
- Save searches, records and groups
- Alerts
- Flags for new locations, new states, rate increases and OSHA violations
- Team tools
- Assign records, share notes and track sales stages. A free Marketer seat works only on accounts assigned to it
Getting started
Start the free trial
Seven days with a work email. Results are limited and contacts hidden.
Set your territory
Pick states, counties or a ZIP radius and an expiration window.
Choose a plan
Starter for one producer, Agency for an office.
Push to your CRM
Send accounts to HubSpot or Salesforce, or export a CSV.
Support by phone, email and a knowledge base.
Contract and refunds
- Term
- Starter monthly or yearly. Agency is a yearly commitment
- Renewal
- Renews on its own
- Canceling
- In writing by email or the contact form. Ends at the end of the term or cycle
- Early cancel fee
- Half of what is left on the year for Agency plans, and Starter plans covering all states, billed monthly
- Refunds
- No refunds
- Terms
- Insurance Xdate terms of service
From the Insurance Xdate terms of service, checked in October 2026.
Insurance Xdate alternatives
- PollyAIFrom $39 a month plus statesTrucking carrier dates priced by the state
- ProwlrFrom $167 a month, billed yearlyNew business and license triggers with an API
- Zywave miEdgeQuote onlyCommercial and benefits data with nightly CRM matching
- Benefit SignalsFrom $60 a monthBenefits renewals ranked by switch likelihood
See every option in insurance data providers.
Frequently asked questions
How much does Insurance Xdate cost?
Plans start at $100 a user each month. Agency and Enterprise are quoted.
Are Insurance Xdate x-dates filed?
Workers comp and DOT dates are reported. Other commercial lines are assumed to renew on the workers comp date.
Which states does Insurance Xdate cover?
All states, but Ohio has no x-date and six more show only multi-state firms. California covers contractors and multi-state firms.
Does Insurance Xdate connect to my CRM?
Yes. It pushes accounts and contacts to HubSpot and Salesforce, and Zapier reaches other apps.
Can I cancel Insurance Xdate at any time?
A regular monthly Starter plan ends at the end of the cycle. Monthly-billed Agency plans, and Starter plans that cover all states and bill monthly, owe half of what is left on the year.
Does Insurance Xdate have a free trial?
Yes, 7 days with a work email. Contacts stay hidden during the trial.
How we researched this review. We based this review on the pricing, terms and product pages published by Insurance Xdate, 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 Insurance Xdate quit selling or a contract term that reads different now, let us know and send the link to the page where Insurance Xdate has it. Somebody here pulls up that page and checks it before we change anything on ours.