Xactimate vs AutoScope: Which Is Better for Insurance Contractors in 2026?
Xactimate has been the industry standard for decades. But at $200+/month, is it still the right choice? Here's an honest comparison for small to mid-size restoration contractors.
The Honest Truth About Xactimate
Xactimate is the gold standard. Adjusters know it. Carriers accept it. If you're writing $2M+ in claims per year with a dedicated estimator, it probably makes sense.
But for most small-to-mid-size roofing and restoration contractors? It's expensive, complex, and built for adjusters — not contractors.
Cost Comparison
| Xactimate | AutoScope | |
|---|---|---|
| Monthly cost | $198–$250/mo | $149–$399/mo |
| Setup/training | Days to weeks | Minutes |
| Built for | Insurance adjusters | Contractors |
| AI estimation | No | Yes |
| Supplement tracking | No | Yes |
| Adjuster log | No | Yes |
| GPS time cards | No | Yes |
What Xactimate Does Better
- Carrier acceptance — some large carriers require Xactimate format for claims submissions
- Line item depth — the most complete pricing database in the industry
- Industry familiarity — adjusters know how to read it
What AutoScope Does Better
- Speed — AI-assisted estimates take minutes, not hours
- End-to-end workflow — from lead intake through final invoice, all in one place
- Supplement management — track every supplement request, response, and outcome
- Adjuster communication log — every phone call, email, and agreement documented
- Price — significantly lower cost for the same or better output
Who Should Use What
Use Xactimate if: You're submitting claims directly to large national carriers who mandate it, or if you have a dedicated full-time estimator.
Use AutoScope if: You want to run a more efficient operation, move faster on estimates, and have one system that covers the full project lifecycle — not just the estimate.
The best tool is the one your team will actually use. Try AutoScope free for 14 days →