Request an auto quote | Truvo Platform docs

To get auto quotes, send a POST /v1/quote-requests request with line set to personal_auto. Prefill what you already know about the applicant, such as their name or a VIN, and ask them for the rest. If you don’t know an optional value, omit the field instead of guessing.

Get the applicant’s agreement

Before you request quotes, the applicant must agree to Truvo’s quote disclosure. GET /v1/capabilities returns it as quote_disclosure. Show the applicant its text as written, and ask whether they agree. If they agree, send its version as quote_disclosure_version, with quote_disclosure_accepted set to true. If the version isn’t the current one, the request fails with 422. The quote disclosure lists each rule and its error.

Minimal request

Generate one Idempotency-Key for each new quote request, and reuse it when you retry. To retry, rerun the curl command without regenerating KEY. Over MCP, pass the key as request_key.

Set TRUVO_API_KEY to your sandbox key and replace quote_disclosure_version with the version the applicant agreed to:

KEY=$(uuidgen)
curl -X POST https://api.truvo.com/v1/quote-requests \
  -H "Authorization: Bearer $TRUVO_API_KEY" \
  -H "Truvo-Version: 2026-09-26" \
  -H "Idempotency-Key: $KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "line": "personal_auto",
    "quote_disclosure_version": "2026-10-06.1",
    "quote_disclosure_accepted": true,
    "application": {
      "applicant": {
        "name": {
          "first_name": "Test",
          "last_name": "Applicant One"
        },
        "email": "alex@example.com",
        "phone": "512-555-0123"
      },
      "garaging_address": {
        "line1": "100 Example Way",
        "city": "Austin",
        "state": "TX",
        "postal_code": "78701"
      },
      "drivers": [
        {
          "name": {
            "first_name": "Test",
            "last_name": "Applicant One"
          },
          "date_of_birth": "1990-04-12",
          "gender": "female"
        }
      ],
      "vehicles": [
        {
          "year": 2019,
          "make": "Toyota",
          "model": "Camry",
          "ownership": "owned",
          "use": "pleasure",
          "annual_mileage": 8000,
          "comprehensive_deductible_minor": 100000,
          "collision_deductible_minor": 100000
        }
      ],
      "protection": {
        "bodily_injury_per_person_minor": 10000000,
        "bodily_injury_per_accident_minor": 30000000,
        "property_damage_minor": 5000000
      }
    }
  }'

Truvo returns 202 with a quote request. Poll the quote request to get its quotes.

Request fields

Label	Meaning
Required	The request fails with `422` without the field.
Required if	The request fails with `422` without the field when the condition after the label is true.
Recommended	Optional. Carriers use the value to price the quote, so send it when you have it. If you omit it, they receive a default or no value.
No label	Optional. If Truvo applies a default, the table lists it.

Top-level fields · application · applicant · garaging_address · drivers[] · vehicles[] · protection · current_insurance

Top-level fields

Field	Type	Description
`line` Required	string	The insurance line. Value: `personal_auto`.
`quote_disclosure_version` Required	string	The version of the quote disclosure that the applicant agreed to. `GET /v1/capabilities` returns it as `quote_disclosure.version`.
`quote_disclosure_accepted` Required	boolean	Set to `true` after the applicant agrees to the quote disclosure. Their agreement covers the quote, a credit check, and contact by phone, text, and email. If the value isn’t `true`, the request fails with `422`.
`application` Required	object	The applicant, drivers, vehicles, and coverage to quote. `GET /v1/capabilities` returns its JSON Schema as the line’s `required_facts_schema`.

`application`

Field	Type	Description
`applicant` Required	object	The applicant’s name and contact details. Truvo uses the first driver’s `date_of_birth` as the applicant’s date of birth.
`garaging_address` Required	object	The address that carriers receive as both the mailing address and the garaging address. Use a street address, not a PO box.
`drivers` Required	array of 1 to 10 objects	The drivers to include in the quote. The first driver is the named insured.
`vehicles` Required	array of 1 to 10 objects	The vehicles to insure. Each vehicle requires a `vin`, or a `year`, `make`, and `model`.
`protection` Required	object	The policy’s liability limits and coverage options.
`residence_ownership` Recommended	string	Whether the household owns or rents its home. Use `not_owned` if you know only that the applicant doesn’t own their home. If omitted or `not_owned`, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values: `owned`, `rented`, `not_owned`.
`credit_rating` Recommended	string	The applicant’s self-reported credit score range: `excellent` is 720 or higher, `good` is 680 to 719, `average` is 580 to 679, and `poor` is below 580. Sending it doesn’t give consent to a credit check. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values: `excellent`, `good`, `average`, `poor`.
`current_insurance`	object	The household’s current auto insurance.

`application.applicant`

Field	Type	Description
`name` Required	object	The applicant’s name.
`name.first_name` Required	string, 1 to 100 characters	The first name, such as `Alex`.
`name.last_name` Required	string, 1 to 100 characters	The last name, such as `Smith`.
`email` Required	string (email), up to 254 characters	The applicant’s email address.
`phone` Required	string, 1 to 32 characters	The applicant’s US phone number, including its area code, such as `512-555-0123`. The sandbox accepts `512-555-0123`; for live quotes, use the applicant’s number. A live request with a number that nobody could answer, such as a fictional number in the `555-0100` to `555-0199` range, fails with `422`.

`application.garaging_address`

Field	Type	Description
`line1` Required	string, 1 to 200 characters	The street address, such as `100 Example Way`.
`city` Required	string, 1 to 100 characters	The city, such as `Austin`.
`state` Required	string	The two-letter state code, such as `TX`.
`postal_code` Required	string	The ZIP code, such as `78701` or `78701-1234`.
`line2`	string or null, 1 to 200 characters	A second address line, such as a unit number.

`application.drivers[]`

Field	Type	Description
`name` Required	object	The driver’s name.
`name.first_name` Required	string, 1 to 100 characters	The first name, such as `Alex`.
`name.last_name` Required	string, 1 to 100 characters	The last name, such as `Smith`.
`date_of_birth` Required	string (date)	The driver’s date of birth, in `YYYY-MM-DD` format.
`gender` Required	string	The driver’s gender. Values: `female`, `male`, `non-binary`.
`relationship` Required if the driver isn’t the first in `drivers`	string	The driver’s relationship to the first driver. Omit it for the first driver, or the request fails with `422`. Values: `spouse`, `child`, `parent`, `sibling`, `domestic_partner`, `other`.
`marital_status` Recommended	string	The driver’s marital status. If `relationship` is `spouse`, defaults to `married`; sending `single` returns `422`. If omitted for any other driver, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values: `single`, `married`.
`education` Recommended	string	The highest level of education the driver completed. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values: `no_high_school_diploma`, `high_school_diploma`, `some_college`, `associate_degree`, `bachelor_degree`, `master_degree`, `doctorate_degree`.
`has_incidents_last_5_years` Recommended	boolean	Whether the driver has had any tickets, at-fault accidents, or claims in the last 5 years. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default.
`age_first_licensed`	integer, 1 to 100	The driver’s age in years when they first received a driver’s license. Must not exceed the driver’s current age.

`application.vehicles[]`

Field	Type	Description
`ownership` Required	string	Whether the applicant owns, finances, or leases the vehicle. Values: `owned`, `financed`, `leased`.
`use` Required	string	The vehicle’s primary use. `pleasure` is personal use, and `work_school` is commuting to work or school. Values: `pleasure`, `work_school`, `business`, `artisan`, `farm`.
`annual_mileage` Required	integer, up to 100000	The number of miles the vehicle is driven in a year. Must be greater than `0` and at most `100000`.
`year` Required if `vin` is omitted	integer, 1900 to 2100	The vehicle’s model year.
`make` Required if `vin` is omitted	string, 1 to 100 characters	The vehicle’s make, such as `Toyota`.
`model` Required if `vin` is omitted	string, 1 to 100 characters	The vehicle’s model, such as `Camry`.
`comprehensive_deductible_minor` Required if `protection.coverage_package` is omitted	integer	The comprehensive deductible for this vehicle, in US cents: `50000` is $500. The menu includes values from all states. The applicant’s state may accept only some of them. Allowed values `0` $0 `5000` $50 `10000` $100 `15000` $150 `20000` $200 `25000` $250 `30000` $300 `35000` $350 `40000` $400 `45000` $450 `47500` $475 `50000` $500 `55000` $550 `60000` $600 `70000` $700 `75000` $750 `80000` $800 `97500` $975 `100000` $1,000 `150000` $1,500 `200000` $2,000 `250000` $2,500 `300000` $3,000 `500000` $5,000
`collision_deductible_minor` Required if `protection.coverage_package` is omitted	integer	The collision deductible for this vehicle, in US cents: `50000` is $500. The menu includes values from all states. The applicant’s state may accept only some of them. Allowed values `0` $0 `5000` $50 `10000` $100 `15000` $150 `20000` $200 `25000` $250 `30000` $300 `35000` $350 `40000` $400 `45000` $450 `47500` $475 `50000` $500 `55000` $550 `60000` $600 `70000` $700 `75000` $750 `80000` $800 `90000` $900 `95000` $950 `97500` $975 `100000` $1,000 `150000` $1,500 `200000` $2,000 `250000` $2,500 `300000` $3,000 `500000` $5,000
`vin` Recommended	string	The vehicle’s full 17-character VIN. If you send it, `year`, `make`, and `model` are optional. If omitted, carriers rate the vehicle by its year, make, and model, and a carrier that requires the full VIN returns no quote.
`trim`	string, 1 to 100 characters	The vehicle’s trim, such as `Premium`. If both `vin` and `trim` are omitted, Truvo uses the first trim listed for the year, make, and model, and reports it in `assumptions`.
`driver_index`	integer, 0 or more	The assigned driver’s zero-based index in `drivers`, such as `0` for the first driver. Must be less than the number of drivers. If omitted, Truvo assigns the vehicle to the first driver and reports it in `assumptions`.

`application.protection`

Field	Type	Description
`bodily_injury_per_person_minor` Required if `coverage_package` is omitted or the per-accident limit is sent	integer	The bodily injury limit per person, in US cents: `2500000` is $25,000. Send both limits as one of the allowed pairs. The menu includes pairs from all states. The applicant’s state may accept only some of them. Allowed pairs, per person / per accident `1000000` / `2000000` ($10,000 / $20,000) `1500000` / `3000000` ($15,000 / $30,000) `2000000` / `4000000` ($20,000 / $40,000) `2500000` / `5000000` ($25,000 / $50,000) `2500000` / `6500000` ($25,000 / $65,000) `2500000` / `10000000` ($25,000 / $100,000) `3000000` / `6000000` ($30,000 / $60,000) `3000000` / `6500000` ($30,000 / $65,000) `3500000` / `7000000` ($35,000 / $70,000) `5000000` / `5000000` ($50,000 / $50,000) `5000000` / `10000000` ($50,000 / $100,000) `5000000` / `20000000` ($50,000 / $200,000) `6000000` / `12000000` ($60,000 / $120,000) `7500000` / `15000000` ($75,000 / $150,000) `10000000` / `10000000` ($100,000 / $100,000) `10000000` / `20000000` ($100,000 / $200,000) `10000000` / `30000000` ($100,000 / $300,000) `15000000` / `30000000` ($150,000 / $300,000) `25000000` / `30000000` ($250,000 / $300,000) `25000000` / `50000000` ($250,000 / $500,000) `30000000` / `30000000` ($300,000 / $300,000) `30000000` / `50000000` ($300,000 / $500,000) `30000000` / `60000000` ($300,000 / $600,000) `50000000` / `50000000` ($500,000 / $500,000) `50000000` / `100000000` ($500,000 / $1,000,000) `75000000` / `75000000` ($750,000 / $750,000) `100000000` / `100000000` ($1,000,000 / $1,000,000) `500000000` / `500000000` ($5,000,000 / $5,000,000)
`bodily_injury_per_accident_minor` Required if `coverage_package` is omitted or the per-person limit is sent	integer	The bodily injury limit per accident, in US cents: `5000000` is $50,000. Send both limits as one of the allowed pairs. The menu includes pairs from all states. The applicant’s state may accept only some of them. Allowed pairs, per person / per accident `1000000` / `2000000` ($10,000 / $20,000) `1500000` / `3000000` ($15,000 / $30,000) `2000000` / `4000000` ($20,000 / $40,000) `2500000` / `5000000` ($25,000 / $50,000) `2500000` / `6500000` ($25,000 / $65,000) `2500000` / `10000000` ($25,000 / $100,000) `3000000` / `6000000` ($30,000 / $60,000) `3000000` / `6500000` ($30,000 / $65,000) `3500000` / `7000000` ($35,000 / $70,000) `5000000` / `5000000` ($50,000 / $50,000) `5000000` / `10000000` ($50,000 / $100,000) `5000000` / `20000000` ($50,000 / $200,000) `6000000` / `12000000` ($60,000 / $120,000) `7500000` / `15000000` ($75,000 / $150,000) `10000000` / `10000000` ($100,000 / $100,000) `10000000` / `20000000` ($100,000 / $200,000) `10000000` / `30000000` ($100,000 / $300,000) `15000000` / `30000000` ($150,000 / $300,000) `25000000` / `30000000` ($250,000 / $300,000) `25000000` / `50000000` ($250,000 / $500,000) `30000000` / `30000000` ($300,000 / $300,000) `30000000` / `50000000` ($300,000 / $500,000) `30000000` / `60000000` ($300,000 / $600,000) `50000000` / `50000000` ($500,000 / $500,000) `50000000` / `100000000` ($500,000 / $1,000,000) `75000000` / `75000000` ($750,000 / $750,000) `100000000` / `100000000` ($1,000,000 / $1,000,000) `500000000` / `500000000` ($5,000,000 / $5,000,000)
`property_damage_minor` Required if `coverage_package` is omitted	integer	The property damage limit, in US cents: `2500000` is $25,000. The menu includes values from all states. The applicant’s state may accept only some of them. Allowed values `500000` $5,000 `1000000` $10,000 `1500000` $15,000 `2000000` $20,000 `2500000` $25,000 `3000000` $30,000 `3500000` $35,000 `4000000` $40,000 `5000000` $50,000 `6500000` $65,000 `7500000` $75,000 `10000000` $100,000 `20000000` $200,000 `25000000` $250,000 `30000000` $300,000 `50000000` $500,000 `75000000` $750,000 `100000000` $1,000,000
`tort_type` Required if `garaging_address.state` is `PA`	string	Whether the applicant keeps the full or a limited right to sue for injury. Values: `full`, `limited`.
`stacked_uninsured_motorist` Required if `garaging_address.state` is `FL`, `NM`, `NV`, or `PA`	boolean	Whether uninsured motorist limits stack across the applicant’s vehicles.
`stacked_underinsured_motorist` Required if `garaging_address.state` is `PA`	boolean	Whether underinsured motorist limits stack.
`coverage_package`	string	The coverage package used for omitted liability limits and vehicle deductibles. `full` adds comprehensive and collision coverage, each with a $1,000 deductible. `minimum`, `liability`, and `standard` are liability only. A limit or deductible in the request overrides the package. `assumptions` lists each field that the package set. If a vehicle sends only one of its two deductibles, Truvo sets the other to the same amount, or to the next lower amount that deductible allows, and `assumptions` lists it. Values: `minimum`, `liability`, `standard`, `full`.

`application.current_insurance`

Field	Type	Description
`insured` Recommended	boolean	Whether the applicant has auto insurance now. If `false`, Truvo doesn’t send carriers the other `current_insurance` fields. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default.
`carrier` Recommended	string	The current auto insurer. Use `other` if it isn’t listed. Ignored if `insured` is `false`. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values `state_farm`, `progressive`, `geico`, `allstate`, `usaa`, `liberty_mutual`, `farmers`, `nationwide`, `travelers`, `amfam`, `aaa`, `hartford`, `erie`, `safeco`, `other`
`continuous_coverage_months` Recommended	integer, 0 or more	The number of months of continuous auto coverage. Use `0` for none. Ignored if `insured` is `false`. If omitted, Truvo doesn’t send carriers a value, and a carrier may apply its own default.
`liability_limit` Recommended	string	The current policy’s liability limits, in thousands of dollars. `100/300/100` is $100,000 bodily injury per person, $300,000 bodily injury per accident, and $100,000 property damage. `300_csl` is a $300,000 combined single limit. Use `not_sure` if the applicant doesn’t know them. Ignored if `insured` is `false`. If omitted or `not_sure`, Truvo doesn’t send carriers a value, and a carrier may apply its own default. Values `15/30/5`, `15/30/25`, `20/40/15`, `25/50/10`, `25/50/15`, `25/50/20`, `25/50/25`, `25/50/50`, `30/60/15`, `30/60/25`, `30/65/25`, `50/100/25`, `50/100/50`, `50/100/100`, `100/300/50`, `100/300/100`, `250/500/50`, `250/500/100`, `250/500/250`, `100_csl`, `300_csl`, `500_csl`, `not_sure`

Responses

Request	Response
Has every required field	`202` with a quote request. Its `assumptions` lists each default that Truvo applied.
Is missing a required field of `application`	`422` `needs_information`. `field_errors` lists each missing field with the code `required`.
Is missing `line`, `application`, or a disclosure field	`422` `invalid_input`. `field_errors` identifies the field.
Has an invalid value	`422` `invalid_input`. `field_errors` lists each invalid field, with `allowed_values` when the API can list the values the field accepts.

A request that fails with 422 isn’t stored, so you can send the corrected request with the same Idempotency-Key or a new one.

After Truvo accepts a request, a carrier can still report missing_information in market_outcomes if it needs more information than the request included. See Why did a request finish with no quotes?.

Omitted recommended fields

If you omit a recommended field with no default, the quote request lists it in assumptions with value set to null, unless Truvo ignores the field. Truvo ignores carrier, continuous_coverage_months, and liability_limit if current_insurance.insured is false. The following entry is for a driver’s omitted education:

{
  "path": "application.drivers.0.education",
  "value": null,
  "source": "auto_rating_fact",
  "label": "Truvo does not send a value for this fact. A carrier may use its own default."
}

To have carriers rate on the applicant’s actual value, create a new quote request that includes the field. Sandbox premiums are preset, so they don’t change when you send or omit these fields.

Default values

assumptions also reports each value that Truvo set for an optional field you omitted, such as the driver assigned to a vehicle:

{
  "path": "application.vehicles.0.driver_index",
  "value": 0,
  "source": "single_driver",
  "label": "Truvo assigns this vehicle to the only driver on the request."
}

If a coverage_package sets a liability limit, the entry’s value is null, because the request doesn’t state the limit. Live quotes report carrier-provided limits and deductibles in coverage.subjects. If the carrier didn’t return a limit or deductible, the corresponding field is null. A sandbox quote lists a liability limit only if the request sent it.

Missing required fields

If drivers or vehicles is missing or empty, field_errors lists the array and the required fields of its first item. The following response is for a request whose application is empty:

{
  "error": {
    "code": "needs_information",
    "message": "The quote request needs more information.",
    "field_errors": [
      {
        "path": "application.applicant.name.first_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.name.last_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.email",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.applicant.phone",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.garaging_address.line1",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.garaging_address.city",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.garaging_address.state",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.garaging_address.postal_code",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.drivers",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.drivers.0.name.first_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.drivers.0.name.last_name",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.drivers.0.date_of_birth",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.drivers.0.gender",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.protection.bodily_injury_per_person_minor",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.protection.bodily_injury_per_accident_minor",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.protection.property_damage_minor",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.ownership",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.use",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.year",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.make",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.model",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.annual_mileage",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.comprehensive_deductible_minor",
        "message": "This fact is required.",
        "code": "required"
      },
      {
        "path": "application.vehicles.0.collision_deductible_minor",
        "message": "This fact is required.",
        "code": "required"
      }
    ],
    "retry_action": {
      "type": "supply_facts",
      "summary": "Supply the missing facts and send the request again."
    },
    "doc_url": "https://docs.truvo.com/v1/errors/needs_information"
  },
  "request_id": "req_0c20599c4a3269e0"
}

Get the applicant’s agreement

Minimal request

Request fields

Top-level fields

application

application.applicant

application.garaging_address

application.drivers[]

application.vehicles[]

Allowed values

Allowed values

application.protection

Allowed pairs, per person / per accident

Allowed pairs, per person / per accident

Allowed values

application.current_insurance

Values

Values

Responses

Omitted recommended fields

Default values

Missing required fields

`application`

`application.applicant`

`application.garaging_address`

`application.drivers[]`

`application.vehicles[]`

`application.protection`

`application.current_insurance`