The Zebra MCP
An official MCP server provided by The Zebra that allows AI agents to retrieve live car insurance quotes from top carriers and generate purchase links, enabling users to buy policies online without browser automation.
Endpoint and access
No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.
MCP endpoint (Streamable HTTP)
https://api.thezebra.com/mcpWhat its tools do
3 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.
Read-only (1)
Can change data (2)
Checks and signals
Each line is separate evidence, not a trust score.
- Passed Endpoint answered the live check ·
- Passed Official MCP Registry namespace is tied to thezebra.com ·
- Passed Endpoint is on the registry namespace domain ·
- Availability 1 of 1 checks passed in 30 days
What you can do with it
- Retrieve live car insurance quotes for a user
- Generate purchase URLs for selected insurance policies
- Compare rates from multiple insurance carriers
Source and maintenance
Vendor evidenceRegistry 0.2.1
Protocol and capabilities
- Server
- The Zebra MCP 0.1.0
- MCP protocol negotiated in check
- 2025-11-25
- Tools
- 3 advertised
- Resources
- 0 advertised
- Resource templates
- 0 advertised
- Prompts
- 0 advertised
Server-advertised capabilities
{
"tools": {
"listChanged": true
},
"logging": {},
"prompts": {
"listChanged": true
},
"resources": {
"subscribe": false,
"listChanged": true
}
}Server-provided instructions
Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.
Tools
3 advertised
zebra_start_session — Start a car insurance quote
Start a new car insurance quote. Call this once, before any other quote tool, and pass the returned quote_handle to every later tool call for this quote.
zebra_start_session input schema
{
"type": "object",
"required": [
"agent_identifier"
],
"properties": {
"agent_identifier": {
"type": "string",
"pattern": "^[A-Za-z0-9._-]+$",
"maxLength": 64,
"minLength": 1,
"description": "Identifier for the product agent hosting this MCP session (for example muse, grokbot, dots). The calling agent or model must set this from its own runtime identity—do not ask the end user and do not pass through free-text the user typed."
}
},
"additionalProperties": false
}zebra_start_session output schema
{
"type": "object",
"required": [
"quote_handle"
],
"properties": {
"quote_handle": {
"type": "string",
"description": "Pass this unchanged to every later tool call for this quote."
}
}
}zebra_start_session annotations
{
"readOnlyHint": false,
"openWorldHint": false,
"idempotentHint": false,
"destructiveHint": false
}zebra_get_rc1_rates — Send details and get initial quotes
Open-world
Get estimated auto insurance rates (RC1 quotes) for the user, from the carriers they can buy from online on The Zebra. Call zebra_start_session first and pass its quote_handle. Usually takes about 30 seconds: wait for the result rather than calling again or starting a new session. On UPSTREAM_UNAVAILABLE, retry once with the same quote_handle. Pass the quote_id of the quote the user picks to zebra_get_rate_action to learn how to continue. Calling this again for the same session re-rates the quote with the new details and replaces the earlier quotes, so their quote_ids stop working. Nothing is bought and no policy changes: to compare against the earlier details, call again with them. Quotes are live, so prices may differ from before; don't tell the user the earlier prices still hold. Failures return a JSON error with a code, whether retrying may help, and any problems with specific user_responses fields.
zebra_get_rc1_rates input schema
{
"type": "object",
"required": [
"quote_handle",
"user_responses"
],
"properties": {
"quote_handle": {
"type": "string",
"description": "The quote_handle that zebra_start_session returned. It expires 24 hours after zebra_start_session; if a tool reports it unknown or expired, start a new session."
},
"user_responses": {
"type": "object",
"required": [
"auto",
"drivers",
"state",
"vehicles",
"zipcode"
],
"properties": {
"id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"auto": {
"type": "object",
"required": [
"coverage_history"
],
"properties": {
"coverage_history": {
"type": "object",
"required": [
"currently_insured"
],
"properties": {
"current_policy": {
"anyOf": [
{
"type": "object",
"properties": {
"period": {
"anyOf": [
{
"enum": [
1,
6,
12
],
"type": "integer",
"description": "Term length in months for a policy"
},
{
"type": "null"
}
],
"default": null
},
"end_date": {
"anyOf": [
{
"type": "string",
"format": "date"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"2026-10-18"
],
"description": "End date of the current policy, as YYYY-MM-DD."
},
"start_date": {
"anyOf": [
{
"type": "string",
"format": "date"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"2026-04-18"
],
"description": "Start date of the current policy, as YYYY-MM-DD."
},
"total_premium": {
"anyOf": [
{
"type": "number"
},
{
"type": "null"
}
],
"default": null,
"examples": [
583.45
],
"description": "Total policy cost for the term"
},
"monthly_payment": {
"anyOf": [
{
"type": "number"
},
{
"type": "null"
}
],
"default": null,
"examples": [
101.5
],
"description": "Monthly payment for user, inclusive of potential fees"
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "Details of a user's currently insured policy"
},
"currently_insured": {
"enum": [
0,
1
],
"type": "integer",
"description": "Whether the user has auto insurance today: 1 for yes, 0 for no. When 1, the first driver needs `insured_length`, and `had_active_insurance_in_last_thirty_one_days` must be left out.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
"current_bodily_injury_per_person": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"examples": [
30000
],
"description": "Bodily injury liability limit per person on the current policy, in whole dollars."
},
"current_bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"examples": [
60000
],
"description": "Bodily injury liability limit per accident on the current policy, in whole dollars."
},
"current_bodily_injury_response_status": {
"anyOf": [
{
"enum": [
"I_DONT_KNOW",
"PROVIDED"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the current bodily injury limits were provided, or the driver doesn't know them."
},
"had_active_insurance_in_last_thirty_one_days": {
"anyOf": [
{
"enum": [
"YES",
"NO",
"NO_DID_NOT_NEED_INSURANCE"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "For a driver who isn't currently insured, whether they had auto insurance in the last 31 days. Omit when currently insured."
}
},
"description": "Current and recent auto insurance coverage."
},
"user_purchase_timeframe": {
"anyOf": [
{
"enum": [
"TODAY",
"FUTURE"
],
"type": "string",
"description": "User's intended policy purchase timeframe"
},
{
"type": "null"
}
],
"default": null
},
"new_policy_effective_date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"11/01/2026"
],
"description": "Date the new policy should take effect, as MM/DD/YYYY (month first)."
}
},
"description": "Current and recent auto insurance coverage, and when the customer wants a new policy to start."
},
"city": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"Austin"
],
"description": "City of the policyholder's address."
},
"start": {
"type": "object",
"default": {
"currently_insured": null
},
"properties": {
"currently_insured": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
}
},
"additionalProperties": false
},
"state": {
"enum": [
"ZZ",
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"FL",
"GA",
"GU",
"HI",
"ID",
"IL",
"IN",
"IA",
"KS",
"KY",
"LA",
"ME",
"MD",
"MA",
"MI",
"MN",
"MS",
"MO",
"MT",
"NE",
"NV",
"NH",
"NJ",
"NM",
"NY",
"NC",
"ND",
"OH",
"OK",
"OR",
"PA",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VI",
"VA",
"WA",
"WV",
"WI",
"WY"
],
"type": "string",
"description": "Two-letter abbreviation of the state of the policyholder's address.",
"x-enum-varnames": [
"TEST",
"ALABAMA",
"ALASKA",
"ARIZONA",
"ARKANSAS",
"CALIFORNIA",
"COLORADO",
"CONNECTICUT",
"DELAWARE",
"DISTRICT_OF_COLUMBIA",
"FLORIDA",
"GEORGIA",
"GUAM",
"HAWAII",
"IDAHO",
"ILLINOIS",
"INDIANA",
"IOWA",
"KANSAS",
"KENTUCKY",
"LOUISIANA",
"MAINE",
"MARYLAND",
"MASSACHUSETTS",
"MICHIGAN",
"MINNESOTA",
"MISSISSIPPI",
"MISSOURI",
"MONTANA",
"NEBRASKA",
"NEVADA",
"NEW_HAMPSHIRE",
"NEW_JERSEY",
"NEW_MEXICO",
"NEW_YORK",
"NORTH_CAROLINA",
"NORTH_DAKOTA",
"OHIO",
"OKLAHOMA",
"OREGON",
"PENNSYLVANIA",
"PUERTO_RICO",
"RHODE_ISLAND",
"SOUTH_CAROLINA",
"SOUTH_DAKOTA",
"TENNESSEE",
"TEXAS",
"UTAH",
"VERMONT",
"VIRGIN_ISLANDS",
"VIRGINIA",
"WASHINGTON",
"WEST_VIRGINIA",
"WISCONSIN",
"WYOMING"
]
},
"county": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"Travis County"
],
"description": "County of the policyholder's address."
},
"drivers": {
"type": "array",
"items": {
"type": "object",
"required": [
"date_of_birth",
"first_name",
"gender",
"last_name",
"marital_status"
],
"properties": {
"id": {
"anyOf": [
{
"type": "string",
"pattern": "^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{12}$"
},
{
"type": "null"
}
],
"format": "uuid",
"default": null,
"description": "Optional. If sent, it must be a hyphenated UUID, such as 3f2b9c4e-8d1a-4b7e-9c2d-1a2b3c4d5e6f."
},
"email": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"phone": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"gender": {
"enum": [
0,
1,
2
],
"type": "integer",
"x-enum-varnames": [
"MALE",
"FEMALE",
"NON_BINARY"
]
},
"education": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5
],
"type": "integer",
"x-enum-varnames": [
"NO_DIPLOMA",
"HIGH_SCHOOL_DIPLOMA",
"BACHELORS_DEGREE",
"MASTERS_DEGREE",
"DOCTORAL_DEGREE",
"DECLINE_TO_ANSWER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Highest level of education completed."
},
"last_name": {
"type": "string"
},
"employment": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5,
6,
7
],
"type": "integer",
"x-enum-varnames": [
"EMPLOYED",
"SELF_EMPLOYED",
"STUDENT",
"HOMEMAKER",
"ACTIVE_MILITARY",
"RETIRED",
"UNEMPLOYED",
"DECLINE_TO_ANSWER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Employment status."
},
"first_name": {
"type": "string"
},
"occupation": {
"anyOf": [
{
"enum": [
"DECLINE_TO_ANSWER",
"ACCOUNT_EXECUTIVE",
"ACCOUNTANT_AUDITOR",
"ACTIVITY_RECREATIONAL_ASSISTANT",
"ACTOR",
"ACTUARIAL_CLERK",
"ACTUARY",
"ADMINISTRATIVE_ASSISTANT",
"AGENT",
"AGENT_BROKER",
"AGRICULTURE_INSPECTOR_GRADER",
"AIR_TRAFFIC_CONTROL",
"AIRPORT_OPERATIONS_CREW",
"AIRPORT_SECURITY_OFFICER",
"ANALYST",
"ANIMAL_CONTROL_OFFICER",
"ANNOUNCER_BROADCASTER",
"APPRAISER_REAL_ESTATE",
"ARBORIST",
"ARCHITECT",
"ARTIST_ANIMATOR",
"ASSISTANT_MEDIC_DENT_VET",
"ATHLETE",
"ATTORNEY",
"AUDIO_VISUAL_TECH",
"AUTHOR_WRITER",
"BAILIFF",
"BAKER",
"BARTENDER",
"BELLHOP",
"BELLHOP_PORTER",
"BOILER_OPERATOR_MAKER",
"BOOKKEEPER",
"BRANCH_MANAGER",
"BRICKLAYER_MASON",
"BROKER",
"BUILDING_MAINTENANCE_ENGINEER",
"BUS_PERSON",
"BUYER",
"CAMP_COUNSELOR_LEAD",
"CAREGIVER",
"CARPENTER",
"CARPET_INSTALLER",
"CASHIER_CHECKER",
"CATERER",
"CHEF",
"CHEMIST",
"CHIEF_EXECUTIVE",
"CHILD_DAYCARE_WORKER",
"CHIROPRACTOR",
"CHOREOGRAPHER_DANCER",
"CLAIMS_ADJUSTER",
"CLERGY",
"CLERK",
"CLERK_OFFICE",
"CLIENT_CARE_WORKER",
"CLINICAL_DATA_COORDINATOR",
"COACH",
"COLLECTIONS",
"COMMISSIONER",
"COMPOSER_DIRECTOR",
"CONCESSIONAIRE",
"CONCIERGE",
"CONCRETE_WORKER",
"CONSTRUCTION_PROJECT_MANAGER",
"CONSTRUCTION_WORKER",
"CONSULTANT",
"CONTRACTOR",
"CONTROLLER",
"COOK_RESTAURANT_CAFETERIA",
"COOK_WORKER_FAST_FOOD",
"CORRECTIONS_OFFICER",
"COUNCIL_MEMBER",
"COUNSELOR",
"COURT_CLERK_REPORTER",
"CRANE_LOADER_OPERATOR",
"CRANE_OPERATOR",
"CSR_TELLER",
"CURATOR",
"CUSTODIAN_JANITOR",
"CUSTOMER_SERVICE_REPRESENTATIVE",
"DELIVERY_PERSON",
"DENTAL_HYGIENIST",
"DENTIST",
"DEPUTY_SHERIFF",
"DESIGNER",
"DESK_CLERK",
"DIETITIAN",
"DIRECTOR_ADMINISTRATOR",
"DIRECTOR_PROGRAM",
"DISHWASHER",
"DISPATCHER",
"DOCTOR",
"DRAFTER",
"DRIVER_BUS_STREETCAR",
"DRIVER_TAXI_LIMO",
"DRIVER_TRUCK_DELIVERY",
"DRY_CLEANER_LAUNDRY",
"EDITOR",
"ELECTRICIAN",
"ELECTRICIAN_LINESMAN",
"ELEVATOR_TECHNICIAN_INSTALLER",
"ENGINEER",
"ENGINEER_HARDWARE",
"ENGINEER_SOFTWARE",
"ENGINEER_SYSTEMS",
"ENLISTED_MILITARY_PERSONNEL_E1_E4",
"EQUIPMENT_OPERATOR",
"EVENT_MANAGER_PROMOTER",
"EXAMINER",
"EXECUTIVE",
"FACTORY_WORKER",
"FARM_RANCH_OWNER",
"FARM_RANCH_WORKER",
"FEDERAL_AGENT_MARSHALL",
"FIELD_SERVICE_TECHNICIAN",
"FINANCIAL_ADVISOR",
"FIRE_CHIEF",
"FIRE_FIGHTER_SUPERVISOR",
"FISHERMAN",
"FLIGHT_ATTENDANT",
"FLOOR_LAYER_FINISHER",
"FLORIST",
"FOOD_PRODUCTION_PACKING",
"FOREMAN_SUPERVISOR",
"FURNITURE_FINISHER",
"GAMING_OFFICER_INVESTIGATOR",
"GRADUATE_TEACHING_ASSISTANT",
"HAIR_STYLIST_BARBER",
"HANDYMAN",
"HIGHWAY_PATROL_OFFICER",
"HOSPICE_VOLUNTEER",
"HOST_MAITRE_D",
"HOUSEKEEPER",
"HOUSEKEEPER_MAID",
"HR_REPRESENTATIVE",
"HVAC_REPAIR_TECHNICIAN",
"HVAC_TECHNICIAN",
"INSPECTOR",
"INSTRUCTOR_VOCATION",
"INSURANCE_CSR",
"INVESTMENT_BANKER",
"INVESTOR",
"JEWELER",
"JOURNALIST_REPORTER",
"JUDGE_HEARING_OFFICER",
"LAB_ASSISTANT",
"LABORER",
"LABORER_WORKER",
"LANDSCAPE_GROUNDS_MAINTENANCE",
"LANDSCAPER",
"LANDSCAPING_NURSERY_WORKER",
"LEGAL_ASSISTANT_SECRETARY",
"LEGISLATOR",
"LIBRARIAN_CURATOR",
"LIFE_GUARD",
"LOAN_ESCROW_PROCESSOR",
"LOGGER",
"LONGSHOREMAN",
"MACHINE_OPERATOR",
"MAINTENANCE_MECHANIC",
"MANAGER",
"MANAGER_CREDIT_LOAN",
"MANAGER_DEPARTMENT_STORE",
"MANAGER_DISTRICT",
"MANAGER_FINANCE_INSURANCE",
"MANAGER_FITNESS_CLUB",
"MANAGER_GENERAL_OPERATIONS",
"MANAGER_HR_PUBLIC_RELATIONS",
"MANAGER_MARKETING_SALES",
"MANAGER_PORTFOLIO_PRODUCTION",
"MANAGER_PROJECT",
"MANAGER_PROPERTY",
"MANAGER_R_D",
"MANAGER_SUPERVISOR_OFFICE",
"MANAGER_SYSTEMS",
"MANAGER_WAREHOUSE_DISTRICT",
"MANICURIST",
"MARKETING_RESEARCHER",
"MASSAGE_THERAPIST",
"MATE_SAILOR",
"MATHEMATICIAN",
"MAYOR_CITY_MANAGER",
"MECHANIC",
"MESSENGER_COURIER",
"METALWORKER",
"METER_READER",
"MILL_WORKER",
"MINER",
"MORTICIAN",
"MUSICIAN_SINGER",
"NANNY",
"NCO_E5_9",
"NETWORK_ADMINISTRATOR",
"NURSE_CNA",
"NURSE_LPN",
"NURSE_PRACTITIONER",
"NURSE_RN",
"OFFICER_COMMISSIONED",
"OFFICER_WARRANT",
"OIL_GAS_DRILLER_RIG_OPERATOR",
"OPTOMETRIST",
"ORTHODONTIST",
"OTHER",
"PACKER",
"PAINTER",
"PARALEGAL_LAW_CLERK",
"PARAMEDIC_EM_TECHNICIAN",
"PARK_RANGER",
"PARKING_LOT_ATTENDANT",
"PET_SERVICES",
"PHARMACIST",
"PHOTOGRAPHER",
"PHYSICAL_THERAPIST",
"PILOT_CAPTAIN_ENGINEER",
"PLANNER",
"PLANT_MANAGER",
"PLASTER_DRYWALL_STUCCO",
"PLUMBER",
"POLICE_CHIEF",
"POLICE_DETECTIVE_INVESTIGATOR",
"POLICE_OFFICER_SUPERVISOR",
"POSTMASTER",
"PRINCIPAL",
"PRINTER",
"PRINTER_BOOKBINDER",
"PRIVATE_INVESTIGATOR_DETECTIVE",
"PROCESS_SERVER",
"PRODUCER",
"PRODUCT_MANAGER",
"PRODUCTION_CREW",
"PROFESSOR_COLLEGE",
"PROGRAMMER",
"PROJECT_COORDINATOR",
"PROJECTIONIST",
"PSYCHOLOGIST",
"QUALITY_CONTROL",
"RAILROAD_WORKER",
"RANGER",
"REALTOR",
"RECEPTIONIST_SECRETARY",
"REFINING_OPERATOR",
"REGULATOR",
"RESEARCH_PROGRAM_DIRECTOR",
"RESEARCHER",
"ROOFER",
"SALES_AGENT_REPRESENTATIVE",
"SALES_COUNTER_RENTAL",
"SALES_HOMEBASED",
"SALES_MANUFACTURER_REP",
"SALES_REPRESENTATIVE",
"SALES_RETAIL_WHOLESALE",
"SALES_ROUTE_VENDOR",
"SALES_TICKET_MEMBERSHIP",
"SCIENTIST",
"SECURITY_GUARD",
"SHERIFF",
"SHIPPING_RECEIVING_CLERK",
"SHOEMAKER",
"SOCIAL_WORKER",
"SOCIOLOGIST",
"SPORTS_BROADCAST_JOURNALIST",
"SUBWAY_LIGHT_RAIL_OPERATOR",
"SUPERINTENDENT",
"SUPERVISOR",
"SUPPORT_SERVICES",
"SUPPORT_TECHNICIAN",
"SURVEYOR_MAPMAKER",
"SYSTEMS_SECURITY",
"TAILOR_CUSTOM_SEWER",
"TEACHER_COLLEGE",
"TEACHER_K_12",
"TEACHING_ASSISTANT_AIDE",
"TECHNICAL_WRITER",
"TECHNICIAN",
"TEXTILE_WORKER",
"THERAPIST",
"TICKET_AGENT",
"TICKET_SALES_USHER",
"TIMBER_GRADER_SCALER",
"TRADER_FINANCIAL_INSTRUMENTS",
"TRAINER_INSTRUCTOR",
"TRANSPORTATION_SPECIALIST",
"TRAVEL_AGENT",
"TUTOR",
"UMPIRE_REFEREE",
"UNDERWRITER",
"UPHOLSTERER",
"US_POSTAL_WORKER",
"UTILITY_WORKER",
"VALET",
"VETERINARIAN",
"WAITER_WAITRESS",
"WEB_DEVELOPER",
"WELDER",
"WINE_STEWARD"
],
"type": "string",
"description": "The driver's occupation."
},
{
"type": "null"
}
],
"default": null
},
"violations": {
"anyOf": [
{
"type": "object",
"properties": {
"value": {
"anyOf": [
{
"enum": [
0,
1,
2
],
"type": "integer",
"x-enum-varnames": [
"NO",
"YES",
"DONT_KNOW"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the driver has any accidents, violations or claims on their record."
},
"claims": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"tickets": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"accidents": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"incidents": {
"anyOf": [
{
"type": "array",
"items": {
"type": "object",
"properties": {
"date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"01/01/2018"
],
"description": "Date of the incident, as MM/DD/YYYY (month first)."
},
"period": {
"anyOf": [
{
"enum": [
"less_than_3_years",
"from_3_to_5_years"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "How long ago the incident happened."
},
"incidentId": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10
],
"type": "integer",
"x-enum-varnames": [
"AUTO_ACCIDENT_AT_FAULT",
"SPEEDING_VIOLATION",
"MOVING_VIOLATION",
"DUI_OR_DWI",
"LICENSE_SUSPENSION",
"NEEDS_SR_22",
"OTHER",
"LICENSE_EXPIRED",
"AUTO_ACCIDENT_NOT_AT_FAULT",
"COMP_CLAIM"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Category of the incident."
},
"incidentTypeId": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46
],
"type": "integer",
"x-enum-varnames": [
"AT_FAULT_ACCIDENT_WITH_BODILY_INJURY",
"AT_FAULT_ACCIDENT_WITH_PROPERTY_DAMAGE",
"AT_FAULT_ACCIDENT_WITH_BODILY_INJURY_AND_PROPERTY_DAMAGE",
"AT_FAULT_ACCIDENT_MINOR",
"SPEEDING_UNDER_5",
"SPEEDING_5_TO_24",
"SPEEDING_25_TO_39",
"SPEEDING_40_PLUS",
"LICENSE_CURRENTLY_SUSPENDED",
"PREVIOUSLY_DRIVING_WHILE_LICENSE_SUSPENDED",
"DRIVING_WHILE_LICENSE_SUSPENDED",
"NEEDS_SR22",
"DRIVING_UNDER_INFLUENCE",
"OTHER_VIOLATION",
"IMPROPER_PASSING",
"FAILURE_TO_USE_LIGHTS",
"FAILURE_TO_SIGNAL",
"FAILURE_TO_OBEY_TRAFFIC_SIGNAL",
"WRONG_WAY_ON_ONE_WAY",
"RECKLESS_DRIVING",
"OTHER_MOVING_VIOLATION",
"DRIVING_WHILE_LICENSE_EXPIRED",
"NOT_AT_FAULT_ACCIDENT",
"COMPREHENSIVE_CLAIM",
"CARELESS_DRIVING",
"IMPROPER_CELL_PHONE_USE",
"LANE_DEVIATION",
"DRIVING_TOO_SLOWLY",
"ELUDING_POLICE",
"FAILURE_TO_OBEY_OFFICER",
"LEAVING_SCENE_OF_ACCIDENT",
"FAILURE_TO_STOP_FOR_SCHOOL_BUS",
"FAILURE_TO_YIELD",
"FAILURE_TO_YIELD_TO_EMERGENCY_VEHICLE",
"FOLLOWING_TOO_CLOSELY",
"HIT_AND_RUN",
"IMPROPER_RESTRICTED_LANE_USE",
"IMPROPER_BACKING",
"IMPROPER_TURN",
"DRIVING_WITHOUT_INSURANCE",
"IMPEDING_TRAFFIC",
"OPEN_CONTAINER",
"REFUSAL_OF_BREATH_TEST",
"NO_SEATBELT",
"UNLICENSED_DRIVER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Specific type of the incident."
}
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "Individual accidents, violations and claims on the driver's record."
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "Accidents, violations and claims on the driver's record."
},
"tracking_id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"credit_score": {
"anyOf": [
{
"enum": [
0,
1,
2,
4,
5
],
"type": "integer",
"description": "Credit tiers RC1 accepts: user_data_lib's `Credit` without the deprecated `LOW`.",
"x-enum-varnames": [
"EXCELLENT",
"GOOD",
"AVERAGE",
"POOR",
"DONT_KNOW"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Self-reported credit tier: EXCELLENT (720+), GOOD (680-719), AVERAGE (620-679), POOR (below 580) or DONT_KNOW. LOW (580-619) is deprecated."
},
"date_of_birth": {
"type": "string",
"description": "Date of birth, as MM/DD/YYYY (month first)."
},
"insured_length": {
"anyOf": [
{
"enum": [
0,
1,
2,
3
],
"type": "integer",
"x-enum-varnames": [
"UNDER_6_MONTHS",
"FROM_6_TO_12_MONTHS",
"FROM_1_TO_3_YEARS",
"OVER_3_YEARS"
]
},
{
"type": "null"
}
],
"default": null,
"description": "How long the driver has been insured. Only applies when currently insured."
},
"license_status": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5,
6
],
"type": "integer",
"x-enum-varnames": [
"VALID",
"PERMIT",
"SUSPENDED",
"EXPIRED",
"REVOKED",
"UNLICENSED",
"FOREIGN"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Status of the driver's license."
},
"marital_status": {
"enum": [
0,
1,
2,
3,
4
],
"type": "integer",
"description": "Marital status.",
"x-enum-varnames": [
"SINGLE",
"MARRIED",
"DIVORCED",
"WIDOWED",
"DOMESTIC_PARTNER"
]
},
"current_carrier": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null
},
"drivers_license": {
"anyOf": [
{
"type": "object",
"properties": {
"state": {
"anyOf": [
{
"enum": [
"ZZ",
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"FL",
"GA",
"GU",
"HI",
"ID",
"IL",
"IN",
"IA",
"KS",
"KY",
"LA",
"ME",
"MD",
"MA",
"MI",
"MN",
"MS",
"MO",
"MT",
"NE",
"NV",
"NH",
"NJ",
"NM",
"NY",
"NC",
"ND",
"OH",
"OK",
"OR",
"PA",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VI",
"VA",
"WA",
"WV",
"WI",
"WY",
"AB",
"BC",
"MB",
"NB",
"NF",
"NT",
"NS",
"ON",
"PE",
"PQ",
"SK",
"YT",
"IT",
"MX"
],
"type": "string",
"description": "Two-letter abbreviation of the US state, Canadian province or country that issued a driver's license.",
"x-enum-varnames": [
"TEST",
"ALABAMA",
"ALASKA",
"ARIZONA",
"ARKANSAS",
"CALIFORNIA",
"COLORADO",
"CONNECTICUT",
"DELAWARE",
"DISTRICT_OF_COLUMBIA",
"FLORIDA",
"GEORGIA",
"GUAM",
"HAWAII",
"IDAHO",
"ILLINOIS",
"INDIANA",
"IOWA",
"KANSAS",
"KENTUCKY",
"LOUISIANA",
"MAINE",
"MARYLAND",
"MASSACHUSETTS",
"MICHIGAN",
"MINNESOTA",
"MISSISSIPPI",
"MISSOURI",
"MONTANA",
"NEBRASKA",
"NEVADA",
"NEW_HAMPSHIRE",
"NEW_JERSEY",
"NEW_MEXICO",
"NEW_YORK",
"NORTH_CAROLINA",
"NORTH_DAKOTA",
"OHIO",
"OKLAHOMA",
"OREGON",
"PENNSYLVANIA",
"PUERTO_RICO",
"RHODE_ISLAND",
"SOUTH_CAROLINA",
"SOUTH_DAKOTA",
"TENNESSEE",
"TEXAS",
"UTAH",
"VERMONT",
"VIRGIN_ISLANDS",
"VIRGINIA",
"WASHINGTON",
"WEST_VIRGINIA",
"WISCONSIN",
"WYOMING",
"CANADA_ALBERTA",
"CANADA_BRITISH_COLUMBIA",
"CANADA_MANITOBA",
"CANADA_NEW_BRUNSWICK",
"CANADA_NEWFOUNDLAND",
"CANADA_NORTHWEST_TERRITORIES",
"CANADA_NOVA_SCOTIA",
"CANADA_ONTARIO",
"CANADA_PRINCE_EDWARD_ISLAND",
"CANADA_ISLAND_QUEBEC",
"CANADA_SASKATCHEWAN",
"CANADA_YUKON",
"INTERNATIONAL",
"MEXICO"
]
},
{
"type": "null"
}
],
"default": null,
"examples": [
"TX"
],
"description": "Two-letter abbreviation of where the license was issued."
},
"number": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "License number."
},
"status": {
"anyOf": [
{
"enum": [
"VALID",
"PERMIT",
"SUSPENDED",
"EXPIRED",
"REVOKED",
"UNLICENSED",
"FOREIGN"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "Status of the license."
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "The driver's license."
},
"referral_source": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"age_first_licensed": {
"anyOf": [
{
"type": "integer"
},
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
16
],
"description": "Age, in years, at which the driver was first licensed."
},
"opt_in_info_lookup": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"current_carrier_key": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"driver_relationship": {
"anyOf": [
{
"type": "integer",
"maximum": 4,
"minimum": 0
},
{
"type": "null"
}
],
"default": null,
"description": "Relationship to the primary driver: 0 parent, 1 spouse, 2 child, 3 other relative, 4 unrelated. Omit for the primary driver."
},
"residence_ownership": {
"anyOf": [
{
"enum": [
0,
1,
2,
3
],
"type": "integer",
"x-enum-varnames": [
"HOME",
"CONDO",
"RENT",
"OTHER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the driver owns a home or condo, rents, or has another living arrangement."
},
"insured_effective_date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"12/31/2013"
],
"description": "Date the driver's current insurance began, as MM/DD/YYYY (month first)."
},
"insured_expiration_date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"06/30/2027"
],
"description": "Date the driver's current insurance expires, as MM/DD/YYYY (month first)."
},
"opts_into_marketing_sms": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"has_military_affiliation": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the driver is affiliated with the military."
},
"is_interested_in_account": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
}
},
"description": "Fields every driver on the quote needs before RC1 can rate it."
},
"minItems": 1,
"description": "Drivers on the policy. The first is the primary driver (the user). Depending on other answers, it also needs `education` (unless `state` is MA), `credit_score` (unless `state` is HI or CA or MA) and `insured_length` (only when `auto.coverage_history.currently_insured` is 1; leave it out when it is 0).",
"prefixItems": [
{
"type": "object",
"required": [
"date_of_birth",
"email",
"first_name",
"gender",
"last_name",
"marital_status",
"phone",
"residence_ownership"
],
"properties": {
"id": {
"anyOf": [
{
"type": "string",
"pattern": "^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{12}$"
},
{
"type": "null"
}
],
"format": "uuid",
"default": null,
"description": "Optional. If sent, it must be a hyphenated UUID, such as 3f2b9c4e-8d1a-4b7e-9c2d-1a2b3c4d5e6f."
},
"email": {
"type": "string"
},
"phone": {
"type": "string",
"description": "The user's US phone number, in any common format, such as 512-909-1000. Stored as digits only."
},
"gender": {
"enum": [
0,
1,
2
],
"type": "integer",
"x-enum-varnames": [
"MALE",
"FEMALE",
"NON_BINARY"
]
},
"education": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5
],
"type": "integer",
"x-enum-varnames": [
"NO_DIPLOMA",
"HIGH_SCHOOL_DIPLOMA",
"BACHELORS_DEGREE",
"MASTERS_DEGREE",
"DOCTORAL_DEGREE",
"DECLINE_TO_ANSWER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Highest level of education completed."
},
"last_name": {
"type": "string"
},
"employment": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5,
6,
7
],
"type": "integer",
"x-enum-varnames": [
"EMPLOYED",
"SELF_EMPLOYED",
"STUDENT",
"HOMEMAKER",
"ACTIVE_MILITARY",
"RETIRED",
"UNEMPLOYED",
"DECLINE_TO_ANSWER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Employment status."
},
"first_name": {
"type": "string"
},
"occupation": {
"anyOf": [
{
"enum": [
"DECLINE_TO_ANSWER",
"ACCOUNT_EXECUTIVE",
"ACCOUNTANT_AUDITOR",
"ACTIVITY_RECREATIONAL_ASSISTANT",
"ACTOR",
"ACTUARIAL_CLERK",
"ACTUARY",
"ADMINISTRATIVE_ASSISTANT",
"AGENT",
"AGENT_BROKER",
"AGRICULTURE_INSPECTOR_GRADER",
"AIR_TRAFFIC_CONTROL",
"AIRPORT_OPERATIONS_CREW",
"AIRPORT_SECURITY_OFFICER",
"ANALYST",
"ANIMAL_CONTROL_OFFICER",
"ANNOUNCER_BROADCASTER",
"APPRAISER_REAL_ESTATE",
"ARBORIST",
"ARCHITECT",
"ARTIST_ANIMATOR",
"ASSISTANT_MEDIC_DENT_VET",
"ATHLETE",
"ATTORNEY",
"AUDIO_VISUAL_TECH",
"AUTHOR_WRITER",
"BAILIFF",
"BAKER",
"BARTENDER",
"BELLHOP",
"BELLHOP_PORTER",
"BOILER_OPERATOR_MAKER",
"BOOKKEEPER",
"BRANCH_MANAGER",
"BRICKLAYER_MASON",
"BROKER",
"BUILDING_MAINTENANCE_ENGINEER",
"BUS_PERSON",
"BUYER",
"CAMP_COUNSELOR_LEAD",
"CAREGIVER",
"CARPENTER",
"CARPET_INSTALLER",
"CASHIER_CHECKER",
"CATERER",
"CHEF",
"CHEMIST",
"CHIEF_EXECUTIVE",
"CHILD_DAYCARE_WORKER",
"CHIROPRACTOR",
"CHOREOGRAPHER_DANCER",
"CLAIMS_ADJUSTER",
"CLERGY",
"CLERK",
"CLERK_OFFICE",
"CLIENT_CARE_WORKER",
"CLINICAL_DATA_COORDINATOR",
"COACH",
"COLLECTIONS",
"COMMISSIONER",
"COMPOSER_DIRECTOR",
"CONCESSIONAIRE",
"CONCIERGE",
"CONCRETE_WORKER",
"CONSTRUCTION_PROJECT_MANAGER",
"CONSTRUCTION_WORKER",
"CONSULTANT",
"CONTRACTOR",
"CONTROLLER",
"COOK_RESTAURANT_CAFETERIA",
"COOK_WORKER_FAST_FOOD",
"CORRECTIONS_OFFICER",
"COUNCIL_MEMBER",
"COUNSELOR",
"COURT_CLERK_REPORTER",
"CRANE_LOADER_OPERATOR",
"CRANE_OPERATOR",
"CSR_TELLER",
"CURATOR",
"CUSTODIAN_JANITOR",
"CUSTOMER_SERVICE_REPRESENTATIVE",
"DELIVERY_PERSON",
"DENTAL_HYGIENIST",
"DENTIST",
"DEPUTY_SHERIFF",
"DESIGNER",
"DESK_CLERK",
"DIETITIAN",
"DIRECTOR_ADMINISTRATOR",
"DIRECTOR_PROGRAM",
"DISHWASHER",
"DISPATCHER",
"DOCTOR",
"DRAFTER",
"DRIVER_BUS_STREETCAR",
"DRIVER_TAXI_LIMO",
"DRIVER_TRUCK_DELIVERY",
"DRY_CLEANER_LAUNDRY",
"EDITOR",
"ELECTRICIAN",
"ELECTRICIAN_LINESMAN",
"ELEVATOR_TECHNICIAN_INSTALLER",
"ENGINEER",
"ENGINEER_HARDWARE",
"ENGINEER_SOFTWARE",
"ENGINEER_SYSTEMS",
"ENLISTED_MILITARY_PERSONNEL_E1_E4",
"EQUIPMENT_OPERATOR",
"EVENT_MANAGER_PROMOTER",
"EXAMINER",
"EXECUTIVE",
"FACTORY_WORKER",
"FARM_RANCH_OWNER",
"FARM_RANCH_WORKER",
"FEDERAL_AGENT_MARSHALL",
"FIELD_SERVICE_TECHNICIAN",
"FINANCIAL_ADVISOR",
"FIRE_CHIEF",
"FIRE_FIGHTER_SUPERVISOR",
"FISHERMAN",
"FLIGHT_ATTENDANT",
"FLOOR_LAYER_FINISHER",
"FLORIST",
"FOOD_PRODUCTION_PACKING",
"FOREMAN_SUPERVISOR",
"FURNITURE_FINISHER",
"GAMING_OFFICER_INVESTIGATOR",
"GRADUATE_TEACHING_ASSISTANT",
"HAIR_STYLIST_BARBER",
"HANDYMAN",
"HIGHWAY_PATROL_OFFICER",
"HOSPICE_VOLUNTEER",
"HOST_MAITRE_D",
"HOUSEKEEPER",
"HOUSEKEEPER_MAID",
"HR_REPRESENTATIVE",
"HVAC_REPAIR_TECHNICIAN",
"HVAC_TECHNICIAN",
"INSPECTOR",
"INSTRUCTOR_VOCATION",
"INSURANCE_CSR",
"INVESTMENT_BANKER",
"INVESTOR",
"JEWELER",
"JOURNALIST_REPORTER",
"JUDGE_HEARING_OFFICER",
"LAB_ASSISTANT",
"LABORER",
"LABORER_WORKER",
"LANDSCAPE_GROUNDS_MAINTENANCE",
"LANDSCAPER",
"LANDSCAPING_NURSERY_WORKER",
"LEGAL_ASSISTANT_SECRETARY",
"LEGISLATOR",
"LIBRARIAN_CURATOR",
"LIFE_GUARD",
"LOAN_ESCROW_PROCESSOR",
"LOGGER",
"LONGSHOREMAN",
"MACHINE_OPERATOR",
"MAINTENANCE_MECHANIC",
"MANAGER",
"MANAGER_CREDIT_LOAN",
"MANAGER_DEPARTMENT_STORE",
"MANAGER_DISTRICT",
"MANAGER_FINANCE_INSURANCE",
"MANAGER_FITNESS_CLUB",
"MANAGER_GENERAL_OPERATIONS",
"MANAGER_HR_PUBLIC_RELATIONS",
"MANAGER_MARKETING_SALES",
"MANAGER_PORTFOLIO_PRODUCTION",
"MANAGER_PROJECT",
"MANAGER_PROPERTY",
"MANAGER_R_D",
"MANAGER_SUPERVISOR_OFFICE",
"MANAGER_SYSTEMS",
"MANAGER_WAREHOUSE_DISTRICT",
"MANICURIST",
"MARKETING_RESEARCHER",
"MASSAGE_THERAPIST",
"MATE_SAILOR",
"MATHEMATICIAN",
"MAYOR_CITY_MANAGER",
"MECHANIC",
"MESSENGER_COURIER",
"METALWORKER",
"METER_READER",
"MILL_WORKER",
"MINER",
"MORTICIAN",
"MUSICIAN_SINGER",
"NANNY",
"NCO_E5_9",
"NETWORK_ADMINISTRATOR",
"NURSE_CNA",
"NURSE_LPN",
"NURSE_PRACTITIONER",
"NURSE_RN",
"OFFICER_COMMISSIONED",
"OFFICER_WARRANT",
"OIL_GAS_DRILLER_RIG_OPERATOR",
"OPTOMETRIST",
"ORTHODONTIST",
"OTHER",
"PACKER",
"PAINTER",
"PARALEGAL_LAW_CLERK",
"PARAMEDIC_EM_TECHNICIAN",
"PARK_RANGER",
"PARKING_LOT_ATTENDANT",
"PET_SERVICES",
"PHARMACIST",
"PHOTOGRAPHER",
"PHYSICAL_THERAPIST",
"PILOT_CAPTAIN_ENGINEER",
"PLANNER",
"PLANT_MANAGER",
"PLASTER_DRYWALL_STUCCO",
"PLUMBER",
"POLICE_CHIEF",
"POLICE_DETECTIVE_INVESTIGATOR",
"POLICE_OFFICER_SUPERVISOR",
"POSTMASTER",
"PRINCIPAL",
"PRINTER",
"PRINTER_BOOKBINDER",
"PRIVATE_INVESTIGATOR_DETECTIVE",
"PROCESS_SERVER",
"PRODUCER",
"PRODUCT_MANAGER",
"PRODUCTION_CREW",
"PROFESSOR_COLLEGE",
"PROGRAMMER",
"PROJECT_COORDINATOR",
"PROJECTIONIST",
"PSYCHOLOGIST",
"QUALITY_CONTROL",
"RAILROAD_WORKER",
"RANGER",
"REALTOR",
"RECEPTIONIST_SECRETARY",
"REFINING_OPERATOR",
"REGULATOR",
"RESEARCH_PROGRAM_DIRECTOR",
"RESEARCHER",
"ROOFER",
"SALES_AGENT_REPRESENTATIVE",
"SALES_COUNTER_RENTAL",
"SALES_HOMEBASED",
"SALES_MANUFACTURER_REP",
"SALES_REPRESENTATIVE",
"SALES_RETAIL_WHOLESALE",
"SALES_ROUTE_VENDOR",
"SALES_TICKET_MEMBERSHIP",
"SCIENTIST",
"SECURITY_GUARD",
"SHERIFF",
"SHIPPING_RECEIVING_CLERK",
"SHOEMAKER",
"SOCIAL_WORKER",
"SOCIOLOGIST",
"SPORTS_BROADCAST_JOURNALIST",
"SUBWAY_LIGHT_RAIL_OPERATOR",
"SUPERINTENDENT",
"SUPERVISOR",
"SUPPORT_SERVICES",
"SUPPORT_TECHNICIAN",
"SURVEYOR_MAPMAKER",
"SYSTEMS_SECURITY",
"TAILOR_CUSTOM_SEWER",
"TEACHER_COLLEGE",
"TEACHER_K_12",
"TEACHING_ASSISTANT_AIDE",
"TECHNICAL_WRITER",
"TECHNICIAN",
"TEXTILE_WORKER",
"THERAPIST",
"TICKET_AGENT",
"TICKET_SALES_USHER",
"TIMBER_GRADER_SCALER",
"TRADER_FINANCIAL_INSTRUMENTS",
"TRAINER_INSTRUCTOR",
"TRANSPORTATION_SPECIALIST",
"TRAVEL_AGENT",
"TUTOR",
"UMPIRE_REFEREE",
"UNDERWRITER",
"UPHOLSTERER",
"US_POSTAL_WORKER",
"UTILITY_WORKER",
"VALET",
"VETERINARIAN",
"WAITER_WAITRESS",
"WEB_DEVELOPER",
"WELDER",
"WINE_STEWARD"
],
"type": "string",
"description": "The driver's occupation."
},
{
"type": "null"
}
],
"default": null
},
"violations": {
"anyOf": [
{
"type": "object",
"properties": {
"value": {
"anyOf": [
{
"enum": [
0,
1,
2
],
"type": "integer",
"x-enum-varnames": [
"NO",
"YES",
"DONT_KNOW"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the driver has any accidents, violations or claims on their record."
},
"claims": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"tickets": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"accidents": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"deprecated": true
},
"incidents": {
"anyOf": [
{
"type": "array",
"items": {
"type": "object",
"properties": {
"date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"01/01/2018"
],
"description": "Date of the incident, as MM/DD/YYYY (month first)."
},
"period": {
"anyOf": [
{
"enum": [
"less_than_3_years",
"from_3_to_5_years"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "How long ago the incident happened."
},
"incidentId": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10
],
"type": "integer",
"x-enum-varnames": [
"AUTO_ACCIDENT_AT_FAULT",
"SPEEDING_VIOLATION",
"MOVING_VIOLATION",
"DUI_OR_DWI",
"LICENSE_SUSPENSION",
"NEEDS_SR_22",
"OTHER",
"LICENSE_EXPIRED",
"AUTO_ACCIDENT_NOT_AT_FAULT",
"COMP_CLAIM"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Category of the incident."
},
"incidentTypeId": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10,
11,
12,
13,
15,
16,
17,
18,
19,
20,
21,
22,
23,
24,
25,
26,
27,
28,
29,
30,
31,
32,
33,
34,
35,
36,
37,
38,
39,
40,
41,
42,
43,
44,
45,
46
],
"type": "integer",
"x-enum-varnames": [
"AT_FAULT_ACCIDENT_WITH_BODILY_INJURY",
"AT_FAULT_ACCIDENT_WITH_PROPERTY_DAMAGE",
"AT_FAULT_ACCIDENT_WITH_BODILY_INJURY_AND_PROPERTY_DAMAGE",
"AT_FAULT_ACCIDENT_MINOR",
"SPEEDING_UNDER_5",
"SPEEDING_5_TO_24",
"SPEEDING_25_TO_39",
"SPEEDING_40_PLUS",
"LICENSE_CURRENTLY_SUSPENDED",
"PREVIOUSLY_DRIVING_WHILE_LICENSE_SUSPENDED",
"DRIVING_WHILE_LICENSE_SUSPENDED",
"NEEDS_SR22",
"DRIVING_UNDER_INFLUENCE",
"OTHER_VIOLATION",
"IMPROPER_PASSING",
"FAILURE_TO_USE_LIGHTS",
"FAILURE_TO_SIGNAL",
"FAILURE_TO_OBEY_TRAFFIC_SIGNAL",
"WRONG_WAY_ON_ONE_WAY",
"RECKLESS_DRIVING",
"OTHER_MOVING_VIOLATION",
"DRIVING_WHILE_LICENSE_EXPIRED",
"NOT_AT_FAULT_ACCIDENT",
"COMPREHENSIVE_CLAIM",
"CARELESS_DRIVING",
"IMPROPER_CELL_PHONE_USE",
"LANE_DEVIATION",
"DRIVING_TOO_SLOWLY",
"ELUDING_POLICE",
"FAILURE_TO_OBEY_OFFICER",
"LEAVING_SCENE_OF_ACCIDENT",
"FAILURE_TO_STOP_FOR_SCHOOL_BUS",
"FAILURE_TO_YIELD",
"FAILURE_TO_YIELD_TO_EMERGENCY_VEHICLE",
"FOLLOWING_TOO_CLOSELY",
"HIT_AND_RUN",
"IMPROPER_RESTRICTED_LANE_USE",
"IMPROPER_BACKING",
"IMPROPER_TURN",
"DRIVING_WITHOUT_INSURANCE",
"IMPEDING_TRAFFIC",
"OPEN_CONTAINER",
"REFUSAL_OF_BREATH_TEST",
"NO_SEATBELT",
"UNLICENSED_DRIVER"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Specific type of the incident."
}
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "Individual accidents, violations and claims on the driver's record."
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "Accidents, violations and claims on the driver's record."
},
"tracking_id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"credit_score": {
"anyOf": [
{
"enum": [
0,
1,
2,
4,
5
],
"type": "integer",
"description": "Credit tiers RC1 accepts: user_data_lib's `Credit` without the deprecated `LOW`.",
"x-enum-varnames": [
"EXCELLENT",
"GOOD",
"AVERAGE",
"POOR",
"DONT_KNOW"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Self-reported credit tier: EXCELLENT (720+), GOOD (680-719), AVERAGE (620-679), POOR (below 580) or DONT_KNOW. LOW (580-619) is deprecated."
},
"date_of_birth": {
"type": "string",
"description": "Date of birth, as MM/DD/YYYY (month first)."
},
"insured_length": {
"anyOf": [
{
"enum": [
0,
1,
2,
3
],
"type": "integer",
"x-enum-varnames": [
"UNDER_6_MONTHS",
"FROM_6_TO_12_MONTHS",
"FROM_1_TO_3_YEARS",
"OVER_3_YEARS"
]
},
{
"type": "null"
}
],
"default": null,
"description": "How long the driver has been insured. Only applies when currently insured."
},
"license_status": {
"anyOf": [
{
"enum": [
0,
1,
2,
3,
4,
5,
6
],
"type": "integer",
"x-enum-varnames": [
"VALID",
"PERMIT",
"SUSPENDED",
"EXPIRED",
"REVOKED",
"UNLICENSED",
"FOREIGN"
]
},
{
"type": "null"
}
],
"default": null,
"description": "Status of the driver's license."
},
"marital_status": {
"enum": [
0,
1,
2,
3,
4
],
"type": "integer",
"description": "Marital status.",
"x-enum-varnames": [
"SINGLE",
"MARRIED",
"DIVORCED",
"WIDOWED",
"DOMESTIC_PARTNER"
]
},
"current_carrier": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null
},
"drivers_license": {
"anyOf": [
{
"type": "object",
"properties": {
"state": {
"anyOf": [
{
"enum": [
"ZZ",
"AL",
"AK",
"AZ",
"AR",
"CA",
"CO",
"CT",
"DE",
"DC",
"FL",
"GA",
"GU",
"HI",
"ID",
"IL",
"IN",
"IA",
"KS",
"KY",
"LA",
"ME",
"MD",
"MA",
"MI",
"MN",
"MS",
"MO",
"MT",
"NE",
"NV",
"NH",
"NJ",
"NM",
"NY",
"NC",
"ND",
"OH",
"OK",
"OR",
"PA",
"PR",
"RI",
"SC",
"SD",
"TN",
"TX",
"UT",
"VT",
"VI",
"VA",
"WA",
"WV",
"WI",
"WY",
"AB",
"BC",
"MB",
"NB",
"NF",
"NT",
"NS",
"ON",
"PE",
"PQ",
"SK",
"YT",
"IT",
"MX"
],
"type": "string",
"description": "Two-letter abbreviation of the US state, Canadian province or country that issued a driver's license.",
"x-enum-varnames": [
"TEST",
"ALABAMA",
"ALASKA",
"ARIZONA",
"ARKANSAS",
"CALIFORNIA",
"COLORADO",
"CONNECTICUT",
"DELAWARE",
"DISTRICT_OF_COLUMBIA",
"FLORIDA",
"GEORGIA",
"GUAM",
"HAWAII",
"IDAHO",
"ILLINOIS",
"INDIANA",
"IOWA",
"KANSAS",
"KENTUCKY",
"LOUISIANA",
"MAINE",
"MARYLAND",
"MASSACHUSETTS",
"MICHIGAN",
"MINNESOTA",
"MISSISSIPPI",
"MISSOURI",
"MONTANA",
"NEBRASKA",
"NEVADA",
"NEW_HAMPSHIRE",
"NEW_JERSEY",
"NEW_MEXICO",
"NEW_YORK",
"NORTH_CAROLINA",
"NORTH_DAKOTA",
"OHIO",
"OKLAHOMA",
"OREGON",
"PENNSYLVANIA",
"PUERTO_RICO",
"RHODE_ISLAND",
"SOUTH_CAROLINA",
"SOUTH_DAKOTA",
"TENNESSEE",
"TEXAS",
"UTAH",
"VERMONT",
"VIRGIN_ISLANDS",
"VIRGINIA",
"WASHINGTON",
"WEST_VIRGINIA",
"WISCONSIN",
"WYOMING",
"CANADA_ALBERTA",
"CANADA_BRITISH_COLUMBIA",
"CANADA_MANITOBA",
"CANADA_NEW_BRUNSWICK",
"CANADA_NEWFOUNDLAND",
"CANADA_NORTHWEST_TERRITORIES",
"CANADA_NOVA_SCOTIA",
"CANADA_ONTARIO",
"CANADA_PRINCE_EDWARD_ISLAND",
"CANADA_ISLAND_QUEBEC",
"CANADA_SASKATCHEWAN",
"CANADA_YUKON",
"INTERNATIONAL",
"MEXICO"
]
},
{
"type": "null"
}
],
"default": null,
"examples": [
"TX"
],
"description": "Two-letter abbreviation of where the license was issued."
},
"number": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "License number."
},
"status": {
"anyOf": [
{
"enum": [
"VALID",
"PERMIT",
"SUSPENDED",
"EXPIRED",
"REVOKED",
"UNLICENSED",
"FOREIGN"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "Status of the license."
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "The driver's license."
},
"referral_source": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"age_first_licensed": {
"anyOf": [
{
"type": "integer"
},
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
16
],
"description": "Age, in years, at which the driver was first licensed."
},
"opt_in_info_lookup": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"current_carrier_key": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"driver_relationship": {
"anyOf": [
{
"type": "integer",
"maximum": 4,
"minimum": 0
},
{
"type": "null"
}
],
"default": null,
"description": "Relationship to the primary driver: 0 parent, 1 spouse, 2 child, 3 other relative, 4 unrelated. Omit for the primary driver."
},
"residence_ownership": {
"enum": [
0,
1,
2,
3
],
"type": "integer",
"description": "Whether the driver owns a home or condo, rents, or has another living arrangement.",
"x-enum-varnames": [
"HOME",
"CONDO",
"RENT",
"OTHER"
]
},
"insured_effective_date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"12/31/2013"
],
"description": "Date the driver's current insurance began, as MM/DD/YYYY (month first)."
},
"insured_expiration_date": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"06/30/2027"
],
"description": "Date the driver's current insurance expires, as MM/DD/YYYY (month first)."
},
"opts_into_marketing_sms": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"has_military_affiliation": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether the driver is affiliated with the military."
},
"is_interested_in_account": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
}
},
"description": "The primary driver (the user), who needs everything other drivers need plus `email`, `phone` and\n`residence_ownership`."
}
]
},
"zipcode": {
"type": "string",
"description": "ZIP code of the policyholder's address: exactly 5 digits, keeping leading zeros, without ZIP+4."
},
"vehicles": {
"type": "array",
"items": {
"type": "object",
"required": [
"annual_mileage",
"make",
"model",
"ownership",
"primary_use",
"submodel",
"year"
],
"properties": {
"id": {
"anyOf": [
{
"type": "string",
"pattern": "^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{12}$"
},
{
"type": "null"
}
],
"format": "uuid",
"default": null,
"description": "Optional. If sent, it must be a hyphenated UUID, such as 3f2b9c4e-8d1a-4b7e-9c2d-1a2b3c4d5e6f."
},
"vin": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"1HGCM82633A004352"
],
"description": "Vehicle Identification Number: 17 letters and digits."
},
"make": {
"type": "string",
"description": "Manufacturer."
},
"unit": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"2B"
],
"description": "Apartment or unit number of the garaging address."
},
"year": {
"type": "integer",
"description": "Four-digit model year."
},
"model": {
"type": "string",
"description": "Model."
},
"submodel": {
"type": "string",
"description": "The trim, e.g. \"i\" for a Subaru Crosstrek i."
},
"ownership": {
"enum": [
0,
1,
2
],
"type": "integer",
"description": "Whether the vehicle is owned outright, leased or financed.",
"x-enum-varnames": [
"OWN",
"LEASE",
"FINANCE"
]
},
"vehicle_id": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null
},
"primary_use": {
"enum": [
0,
1,
2,
3,
4
],
"type": "integer",
"description": "What the vehicle is mainly used for.",
"x-enum-varnames": [
"COMMUTE",
"PLEASURE",
"BUSINESS",
"DELIVERY",
"FARM"
]
},
"tracking_id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"annual_mileage": {
"type": "integer",
"description": "Whole miles driven per mileage_period."
},
"mileage_period": {
"anyOf": [
{
"enum": [
"year",
"month",
"week",
"day"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "The period annual_mileage covers."
},
"garaging_address": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"123 Elm St"
],
"description": "Street address where the vehicle is usually parked."
},
"ownership_length": {
"anyOf": [
{
"enum": [
"NOT_YET_PURCHASED",
"UNDER_1_MONTH",
"FROM_1_TO_12_MONTHS",
"FROM_1_TO_3_YEARS",
"FROM_3_TO_5_YEARS",
"OVER_5_YEARS"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "How long the vehicle has been owned."
},
"is_interested_in_refinancing": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
}
},
"description": "Fields every vehicle on the quote needs before RC1 can rate it."
},
"minItems": 1,
"description": "Vehicles on the policy.",
"prefixItems": [
{
"type": "object",
"required": [
"annual_mileage",
"garaging_address",
"make",
"model",
"ownership",
"primary_use",
"submodel",
"year"
],
"properties": {
"id": {
"anyOf": [
{
"type": "string",
"pattern": "^[0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{4}-[0-9a-fA-F]{12}$"
},
{
"type": "null"
}
],
"format": "uuid",
"default": null,
"description": "Optional. If sent, it must be a hyphenated UUID, such as 3f2b9c4e-8d1a-4b7e-9c2d-1a2b3c4d5e6f."
},
"vin": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"1HGCM82633A004352"
],
"description": "Vehicle Identification Number: 17 letters and digits."
},
"make": {
"type": "string",
"description": "Manufacturer."
},
"unit": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"examples": [
"2B"
],
"description": "Apartment or unit number of the garaging address."
},
"year": {
"type": "integer",
"description": "Four-digit model year."
},
"model": {
"type": "string",
"description": "Model."
},
"submodel": {
"type": "string",
"description": "The trim, e.g. \"i\" for a Subaru Crosstrek i."
},
"ownership": {
"enum": [
0,
1,
2
],
"type": "integer",
"description": "Whether the vehicle is owned outright, leased or financed.",
"x-enum-varnames": [
"OWN",
"LEASE",
"FINANCE"
]
},
"vehicle_id": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null
},
"primary_use": {
"enum": [
0,
1,
2,
3,
4
],
"type": "integer",
"description": "What the vehicle is mainly used for.",
"x-enum-varnames": [
"COMMUTE",
"PLEASURE",
"BUSINESS",
"DELIVERY",
"FARM"
]
},
"tracking_id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"annual_mileage": {
"type": "integer",
"description": "Whole miles driven per mileage_period."
},
"mileage_period": {
"anyOf": [
{
"enum": [
"year",
"month",
"week",
"day"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "The period annual_mileage covers."
},
"garaging_address": {
"type": "string",
"description": "Street address where the vehicle is kept. The apartment or unit, if any, goes in `unit`."
},
"ownership_length": {
"anyOf": [
{
"enum": [
"NOT_YET_PURCHASED",
"UNDER_1_MONTH",
"FROM_1_TO_12_MONTHS",
"FROM_1_TO_3_YEARS",
"FROM_3_TO_5_YEARS",
"OVER_5_YEARS"
],
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "How long the vehicle has been owned."
},
"is_interested_in_refinancing": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
}
},
"description": "The primary vehicle, which needs everything other vehicles need plus `garaging_address`."
}
]
},
"discounts": {
"anyOf": [
{
"type": "object",
"properties": {
"id": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null
},
"auto_pay": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"paperless": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"home_owner": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"telematics": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"condo_owner": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"good_credit": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"low_mileage": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"good_student": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"pay_up_front": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"multi_vehicle": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"no_violations": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"college_degree": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"active_military": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"new_car_discount": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"currently_insured": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"currently_employed": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"high_school_diploma": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
},
"consecutive_insurance": {
"anyOf": [
{
"enum": [
0,
1
],
"type": "integer",
"description": "A yes/no answer: 1 for yes, 0 for no.",
"x-enum-varnames": [
"FALSE",
"TRUE"
]
},
{
"type": "null"
}
],
"default": null
}
}
},
{
"type": "null"
}
],
"default": null
},
"is_pet_owner": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"interested_in_bundling": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
},
"is_interested_in_bundling_renters": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null
}
},
"description": "The full set of the user's driver, vehicle and insurance answers RC1 needs."
},
"coverage_package": {
"anyOf": [
{
"type": "object",
"required": [
"policy_package",
"vehicle_packages"
],
"properties": {
"policy_package": {
"type": "object",
"properties": {
"tort": {
"anyOf": [
{
"enum": [
1,
2
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "The right to sue for pain and suffering, in PA: 1 LIMITED or 2 FULL."
},
"no_fault": {
"anyOf": [
{
"enum": [
1,
2,
3
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "No-fault coverage election, in FL and KY: 1 ALL_DRIVERS_REJECT, 2 SOME_DRIVERS_ACCEPT or 3 ALL_DRIVERS_ACCEPT."
},
"full_glass": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether glass repair and replacement have no deductible."
},
"identifier": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "The coverage level the package is based on, such as BETTER or CUSTOM."
},
"pip_opt_out": {
"anyOf": [
{
"enum": [
1
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Opting out of PIP medical coverage, in MI: 1 SOME_DRIVERS_OPT_OUT."
},
"death_indemnity": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Death indemnity benefit, in dollars."
},
"medical_payment": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Medical payments limit per person, in dollars."
},
"property_damage": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Property damage liability limit, in dollars."
},
"include_wage_loss": {
"anyOf": [
{
"type": "boolean"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether PIP includes wage loss benefits. Offered in FL."
},
"limited_property_damage": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Limited property damage liability limit, in dollars. Offered in MI."
},
"mexico_limited_coverage": {
"anyOf": [
{
"enum": [
1,
2,
3
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Limited coverage for driving in Mexico, in AZ: 1 NO, 2 YES or 3 ALL_DRIVERS_ACCEPT."
},
"uninsured_motorist_type": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "How uninsured motorist coverage applies, in states that offer a choice (GA, IL, MD, NY): 1 REDUCED, 2 ADD_ON, 3 STATUTORY, 4 SUPPLEMENTAL, 5 UNSTACKED, 6 STACKED or 7 ENHANCED."
},
"bodily_injury_per_person": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Bodily injury liability limit per person, in dollars."
},
"bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Bodily injury liability limit per accident, in dollars."
},
"first_party_benefits_limit": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "First party benefits (medical) limit, in dollars. Offered in PA."
},
"personal_injury_deductible": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Personal injury protection (PIP) deductible, in dollars."
},
"underinsured_property_damage": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Underinsured motorist property damage limit, in dollars, or \"Infinity\" for no limit."
},
"personal_injury_coverage_type": {
"anyOf": [
{
"enum": [
1,
2
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Whether PIP pays before the user's health insurance, in NJ: 1 PRIMARY (PIP pays first) or 2 SECONDARY (health insurance pays first)."
},
"accidental_death_dismemberment": {
"anyOf": [
{
"enum": [
1,
2,
3,
4,
5,
6,
7,
8,
9,
10
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Accidental death and dismemberment benefit, for one person or the family, by amount: 1 INDIVIDUAL_5K, 2 FAMILY_PLAN_5K, 3 INDIVIDUAL_10K, 4 FAMILY_PLAN_10K, 5 INDIVIDUAL_15K, 6 FAMILY_PLAN_15K, 7 INDIVIDUAL_25K, 8 FAMILY_PLAN_25K, 9 INDIVIDUAL_50K or 10 FAMILY_PLAN_50K."
},
"uninsured_property_damage_limit": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Uninsured motorist property damage limit, in dollars, or \"Infinity\" for no limit."
},
"personal_injury_limit_per_person": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Personal injury protection (PIP) limit per person, in dollars, or \"Infinity\" for no limit."
},
"optional_bodily_injury_per_person": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Optional bodily injury liability limit per person, in dollars. Offered in MA."
},
"personal_injury_deductible_option": {
"anyOf": [
{
"enum": [
1,
2
],
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Who the PIP deductible applies to, in FL and OR: 1 NAMED_INSURED or 2 NAMED_INSURED_RESIDENT_RELATIVES."
},
"uninsured_bodily_injury_per_person": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Uninsured motorist bodily injury limit per person, in dollars."
},
"optional_bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Optional bodily injury liability limit per accident, in dollars. Offered in MA."
},
"uninsured_bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Uninsured motorist bodily injury limit per accident, in dollars."
},
"uninsured_property_damage_deductible": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Uninsured motorist property damage deductible, in dollars. Offered in GA."
},
"underinsured_bodily_injury_per_person": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Underinsured motorist bodily injury limit per person, in dollars."
},
"underinsured_bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Underinsured motorist bodily injury limit per accident, in dollars."
}
},
"description": "Coverages for the whole policy, such as liability limits."
},
"vehicle_packages": {
"type": "array",
"items": {
"type": "object",
"properties": {
"glass": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Glass deductible, in dollars."
},
"collision": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Collision deductible, in dollars. Null for no collision coverage; requires comprehensive."
},
"identifier": {
"anyOf": [
{
"type": "string"
},
{
"type": "null"
}
],
"default": null,
"description": "The standard package it is based on, if any."
},
"comprehensive": {
"anyOf": [
{
"type": "integer",
"exclusiveMaximum": 2147483647
},
{
"type": "null"
}
],
"default": null,
"description": "Comprehensive deductible, in dollars. Null for no comprehensive coverage."
},
"rental_per_day": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Rental reimbursement limit per day, in dollars. Requires comprehensive."
},
"towing_and_labor": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Towing and labor limit, in dollars, or \"Infinity\" for no limit. Requires comprehensive."
},
"rental_per_accident": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "Rental reimbursement limit per accident, in dollars. Requires comprehensive."
}
}
},
"description": "One per vehicle, in the same order as user_responses.vehicles."
}
},
"description": "The coverages to price quotes at. Limits and deductibles are in dollars."
},
{
"type": "null"
}
],
"default": null,
"description": "The coverages to price the quotes at. Send it only when the user wants specific coverage or wants to match their current policy; otherwise leave it out, and quotes use The Zebra's recommended coverage for the user. Don't ask about coverage just to fill this in. Amounts are in dollars, sent as plain numbers (100000, not $100,000). Users give liability as three numbers in thousands: 100/300/100 means bodily_injury_per_person 100000, bodily_injury_per_accident 300000 and property_damage 100000. 'Full coverage' or a deductible means comprehensive and collision on that vehicle; a deductible like $1,000 sets both unless the user gives them separately. When the user brings up coverage, confirm what they left out before calling: which vehicles get comprehensive and collision, and whether uninsured motorist coverage should match their bodily injury limits. If the call fails with INVALID_ARGUMENTS, each detail names a missing or conflicting coverage and the values the state offers; ask the user to choose rather than picking for them."
}
},
"additionalProperties": false
}zebra_get_rc1_rates output schema
{
"type": "object",
"required": [
"quotes"
],
"properties": {
"quotes": {
"type": "array",
"items": {
"type": "object",
"required": [
"quote_id",
"carrier_name",
"monthly_price",
"policy_term_months",
"down_payment"
],
"properties": {
"quote_id": {
"type": "string",
"description": "Pass this to zebra_get_rate_action when the user picks this quote. An internal ID, not one to show the user."
},
"carrier_name": {
"type": "string",
"description": "The insurance carrier offering the quote."
},
"down_payment": {
"type": "number",
"description": "Due when the policy is bought, in dollars."
},
"monthly_price": {
"type": "number",
"description": "The estimated price per month for the policy term, in dollars. The final price is set when the user buys on The Zebra."
},
"total_premium": {
"anyOf": [
{
"type": "number"
},
{
"type": "null"
}
],
"default": null,
"description": "The estimated price for the whole policy term on the carrier's recommended pay plan, in dollars. Null when the carrier doesn't give it."
},
"liability_limits": {
"anyOf": [
{
"type": "object",
"properties": {
"property_damage": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "The maximum the policy pays for other people's property in an accident, in dollars."
},
"bodily_injury_per_person": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "The maximum the policy pays for one person's injuries in an accident, in dollars."
},
"bodily_injury_per_accident": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "The maximum the policy pays for all injuries in one accident, in dollars."
}
}
},
{
"type": "null"
}
],
"default": null,
"description": "The policy's liability coverage limits."
},
"vehicle_coverages": {
"type": "array",
"items": {
"type": "object",
"required": [
"vehicle_label"
],
"properties": {
"vehicle_label": {
"type": "string",
"examples": [
"2020 Toyota Camry"
],
"description": "The vehicle these deductibles apply to, as year make model."
},
"collision_deductible": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "What the user pays first on a collision claim, in dollars."
},
"comprehensive_deductible": {
"anyOf": [
{
"type": "integer"
},
{
"type": "null"
}
],
"default": null,
"description": "What the user pays first on a comprehensive claim (theft, weather, etc.), in dollars."
}
}
},
"default": [],
"description": "The deductibles on each vehicle."
},
"policy_term_months": {
"type": "integer",
"description": "How long the policy lasts, in months."
}
}
},
"description": "Every quote the user can buy online on The Zebra. Carriers that can't be bought online here are left out."
},
"vehicles": {
"type": "array",
"items": {
"type": "object",
"required": [
"vehicle",
"matched_by"
],
"properties": {
"vehicle": {
"type": "string",
"examples": [
"2020 Toyota RAV4 LE 4dr SUV"
],
"description": "Year, make, model and style from the vehicle catalog."
},
"matched_by": {
"enum": [
"vin",
"style",
"trim",
"default_style"
],
"type": "string",
"description": "How the vehicle was found in the catalog: vin (by its VIN), style (the submodel named a style), trim (the submodel named a trim, and its lowest-priced style was used) or default_style (the submodel matched nothing, so the model's lowest-priced style was used). Confirm the vehicle with the user when it's default_style, or when you sent a VIN and it isn't vin: the catalog didn't know the VIN, so it wasn't used."
}
}
},
"default": [],
"description": "The catalog vehicle each of the user's vehicles was matched to, in request order."
}
}
}zebra_get_rc1_rates annotations
{
"readOnlyHint": false,
"openWorldHint": true,
"idempotentHint": false,
"destructiveHint": false
}zebra_get_rate_action — Get the next step for a quote
Advertised read-only
Get the next step for the quote the user chose. Pass the quote_handle from zebra_start_session and the chosen quote's quote_id from zebra_get_rc1_rates. Give the user the returned url to continue buying the policy on The Zebra.
zebra_get_rate_action input schema
{
"type": "object",
"required": [
"quote_handle",
"quote_id"
],
"properties": {
"quote_id": {
"type": "string",
"description": "The quote_id of the quote the user picked, from zebra_get_rc1_rates."
},
"quote_handle": {
"type": "string",
"description": "The quote_handle that zebra_start_session returned. It expires 24 hours after zebra_start_session; if a tool reports it unknown or expired, start a new session."
}
},
"additionalProperties": false
}zebra_get_rate_action output schema
{
"type": "object",
"required": [
"url"
],
"properties": {
"url": {
"type": "string",
"description": "Where the user continues buying the policy on The Zebra."
}
}
}zebra_get_rate_action annotations
{
"readOnlyHint": true,
"openWorldHint": false
}Prompts
0 advertised
Resources
0 advertised
90-day uptime
A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.
- 2026-11-07: 1 of 1 checks answered
- 2026-11-09: 1 of 1 checks answered
30-day availability
Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.
- Successful checks
- 1 of 1 (100%)
- Average latency
- 742 ms
- 95th percentile latency
- 742 ms
Maintenance history
Public check and source-refresh events. Editorial and ownership records remain private.
- · probe · passed · 742 ms · metadata changed · 3 tool(s), 0 resource(s), 0 resource template(s), 0 prompt(s)
Connect from your client
Each snippet registers the same endpoint; pick the client you use.
Claude Code
Claude Code configuration
claude mcp add --transport http the-zebra-mcp https://api.thezebra.com/mcpCodex
Codex configuration
codex mcp add the-zebra-mcp --url https://api.thezebra.com/mcpCursor
Cursor configuration
{
"mcpServers": {
"the-zebra-mcp": {
"url": "https://api.thezebra.com/mcp"
}
}
}Cline
Cline configuration
{
"mcpServers": {
"the-zebra-mcp": {
"type": "streamableHttp",
"url": "https://api.thezebra.com/mcp",
"disabled": false
}
}
}VS Code
VS Code configuration
{
"servers": {
"the-zebra-mcp": {
"type": "http",
"url": "https://api.thezebra.com/mcp"
}
}
}Gemini CLI
Gemini CLI configuration
gemini mcp add --transport http the-zebra-mcp https://api.thezebra.com/mcpClaude Desktop
Claude Desktop configuration
https://api.thezebra.com/mcpWindsurf
Windsurf configuration
{
"mcpServers": {
"the-zebra-mcp": {
"serverUrl": "https://api.thezebra.com/mcp"
}
}
}Let your agent find its tools
Find servers like The Zebra MCP from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.
Other commerce servers
Do you run The Zebra MCP?
Prove ownership with a DNS record, a well-known file, or your Official MCP Registry entry, and your edits publish immediately. Proofs are re-checked weekly; admins can still hide or remove a listing.