300 models ranked for insurance and risk management. Scored with bonuses for reasoning (risk assessment), large context (policy documents), JSON mode (structured claims), vision (damage assessment), and function calling.
| # | Model | Score |
|---|---|---|
| 1 | GPT-5.4 ProOpenAI | 94 |
| 2 | GPT-5.4OpenAI | 94 |
| 3 | GPT-5.4 MiniOpenAI | 93 |
| 4 | GPT-5.2 ProOpenAI | 93 |
| 5 | GPT-5.2OpenAI | 93 |
| 6 | Claude Opus 4.6Anthropic | 92 |
| 7 | GPT-5 ProOpenAI | 92 |
| 8 | o3 Deep ResearchOpenAI | 92 |
| 9 | Claude Opus 4.5Anthropic | 90 |
| 10 | GPT-5OpenAI | 90 |
| 11 | Gemini 3 Flash PreviewGoogle | 89 |
| 12 | Claude Sonnet 4.6Anthropic | 89 |
| 13 | Claude Sonnet 4.5Anthropic | 89 |
| 14 | o3 ProOpenAI | 88 |
| 15 | Grok 4.1 FastxAI | 87 |
| 16 | Grok 4.20 BetaxAI | 86 |
| 17 | Grok 4xAI | 86 |
| 18 | Gemini 3.1 Pro PreviewGoogle | 86 |
| 19 | o3OpenAI | 86 |
| 20 | GPT-5.1OpenAI | 85 |
| 21 | MiMo-V2-OmniXiaomi | 85 |
| 22 | GPT-5.4 NanoOpenAI | 85 |
| 23 | Seed-2.0-LiteByteDance | 85 |
| 24 | Qwen3.5-9BAlibaba | 85 |
| 25 | Seed-2.0-MiniByteDance | 85 |
| 26 | Gemini 3.1 Pro Preview Custom ToolsGoogle | 85 |
| 27 | GPT-5.3-CodexOpenAI | 85 |
| 28 | Qwen3.5 Plus 2026-02-15Alibaba | 85 |
| 29 | Kimi K2.5Moonshot AI | 85 |
| 30 | GPT-5.2-CodexOpenAI | 85 |
Automate claims intake, document extraction, and settlement calculations. Vision models assess damage from photos while JSON mode produces structured claim reports.
Evaluate risk profiles, analyze actuarial data, and price policies. Reasoning models weigh multiple risk factors and explain underwriting decisions.
Identify suspicious patterns in claims, flag inconsistencies, and cross-reference data. Large context processes full claim histories for pattern recognition.
Summarize policy documents, compare coverage options, and explain terms. Large context handles full policy contracts for comprehensive analysis.
Based on our composite scoring updated hourly, the top-ranked models are shown at the top of this page. Rankings consider benchmarks, pricing, capabilities, and community adoption.
Yes, several models listed on this page offer free tiers or are fully open-source. Look for models marked as Free in the pricing column above.
We use a composite scoring system combining benchmark performance, capability matching, pricing, context window size, and community adoption. Scores are updated hourly.
Rankings refresh every hour using real-time data from benchmarks, API testing, and community metrics. The data shown always reflects the most current performance.