Best AI receptionist for insurance agencies (2027)

This shortlist is for an agency principal, operations manager or producer at an independent insurance agency or brokerage choosing an AI receptionist. It covers all 23 insurance-tagged vendors in our directory. Each quick pick is chosen by a fixed rule applied to our records, never by opinion, and there is no overall winner. Prices, trials, integrations and features come from the catalog at build time. Picks are never paid, and sponsorship does not change them.

How we picked

Every rule below runs on the vendor records in our directory. Vendors marked outbound only and vendors that have not launched are not picks. The tracked agency software is Applied Epic, AMS360, Vertafore, HawkSoft, EZLynx, QQCatalyst, NowCerts, Momentum, AgencyZoom and Better Agency, matched exactly against each vendor's integrations field. A feature counts only where the vendor's own wording names it: claims intake must name claims or FNOL, quote intake must name quotes and intake, and bilingual must name bilingual or Spanish (a count of languages alone does not).

• Broadest agency software list. Most tracked agency management or agency CRM software in its integrations field; ties go to the longest integrations list, then A to Z.
• After-hours claims intake. A single feature names claims or FNOL together with 24/7 or after-hours answering. Lowest published US-dollar monthly start wins, and a record with no comparable start comes after every priced one; ties go to the most tracked agency software, then A to Z.
• Budget pick for quote intake. A feature names quote intake and the record publishes a US-dollar monthly start. Lowest start wins; ties go A to Z.
• Policyholder recognition and transfer. A feature names recognising or authenticating the caller, and a feature names a call transfer or routing. Most tracked agency software wins; ties go to the lowest published US-dollar monthly start, then A to Z.
• Bilingual answering with agency software. A feature names bilingual or Spanish-language answering. Most tracked agency software wins; ties go to the lowest published US-dollar monthly start, then A to Z.
• Free trial without a card, built for agencies. A free trial or free plan with no card required, practice size names insurance, agencies, brokerages or P&C, and the record publishes a US-dollar monthly start. Lowest start wins; ties go A to Z.

These are vendor claims, not call-quality ratings. Read our methodology.

Quick picks for insurance agencies (rule-based, not paid)

Every insurance agency vendor in our directory

All 23 vendors tagged for insurance, A to Z. Prices are as published. A record with no price reads "Quote only" or "Not published". Setup fees in the record sit next to the start. A price in another currency names its currency, and a US-dollar price that is not a single comparable monthly start (a free plan, per-user or usage-based pricing) says why; both are left out of the US-dollar figures below. The insurance work column quotes the vendor's own features where they name insurance, claims, FNOL, quotes, renewals, COI, ACORD or policyholder work (a bare "claim", as in a vendor's own claim, does not count); everywhere else it reads "Not stated", which is not the same as "not offered". The same vendors, with filters and sources, are on the full insurance agency AI receptionist list.

Claims, quotes and routing: what to check on the demo

Agency software names in our data are vendor-reported. A listed system tells you the vendor says it connects to it, not what reaches the policy record or how. In our records, 5 insurance vendors list tracked agency software: Aloware AI Voice Agent (Applied Epic, AMS360, HawkSoft, EZLynx, NowCerts, AgencyZoom, Better Agency), Cara AI (Applied Epic, AMS360, HawkSoft, AgencyZoom), Hailey (Applied Epic, AMS360, EZLynx), Insurvoice (Applied Epic, AMS360, Vertafore, HawkSoft, EZLynx, QQCatalyst, NowCerts, AgencyZoom) and Sonant (Applied Epic, AMS360, HawkSoft, EZLynx, QQCatalyst, NowCerts, Momentum, AgencyZoom). What the quick picks say, in their own words:

• Insurvoice: agency software listed Applied Epic, AMS360, Vertafore, HawkSoft, EZLynx, QQCatalyst, NowCerts, AgencyZoom. Insurance wording in the record: "Quote intake, FNOL/claims and renewals".
• Revox: agency software listed none tracked. Insurance wording in the record: "24/7 inbound answering for quote, service, COI and claims calls"; "Structured quote intake (VIN, DOB, coverage)"; "Outbound renewal and follow-up campaigns".
• InsertChat: agency software listed none tracked. Insurance wording in the record: "Insurance quote intake without quoting or binding"; "Certificate-of-insurance request capture".
• Sonant: agency software listed Applied Epic, AMS360, HawkSoft, EZLynx, QQCatalyst, NowCerts, Momentum, AgencyZoom. Insurance wording in the record: "Insurance-trained voice agent (quotes, renewals, billing, claims)".
• Aloware AI Voice Agent: agency software listed Applied Epic, AMS360, HawkSoft, EZLynx, NowCerts, AgencyZoom, Better Agency. Insurance wording in the record: "Quote intake and FNOL capture 24/7"; "Claim, quote, COI and renewal records written to the AMS".
• SUPERAGENT: agency software listed none tracked. Insurance wording in the record: "Quote and retention workflows".

On the demo, call in three times. First as a policyholder reporting a claim out of hours: check what the AI captures (policy number, date and place of loss, injuries, photos to follow) and who is alerted. Second as a prospect asking for a quote: check whether it collects the fields your carriers need, and that it takes the details without quoting a price or binding cover. Third as an existing client asking for a certificate or a billing change: check whether it recognises you, and how it reaches your account manager or the right producer. Ask what is written back to your agency management system, and where recordings and transcripts are stored. Your licensing and E&O rules still apply when the receptionist is software.

Price bands in our data

Of the 23 insurance vendors, 12 publish a comparable US-dollar monthly starting price. The median paid start among them is $99/month. The cheapest five: FloGPT: Starter $49/mo (2,000 messages); Calls and SMS are metered on top of the plan: AI voice per minute at a carrier-dependent rate quoted on request, SMS $0.01/segment; Optional done-for-you setup $500 once for voice agents ($200 for chat), Kyros: Essential $49/mo (100 AI minutes; extra 100-minute pack $40), NextLevel.AI: Inbound Phone (+ web): Starter from $49/mo (1 line, 300 voice min, 1 language; 50% off the first 3 months), RevSystems: From $49/mo (plan tiers not published on site) and PhoneAgent.ai: Monthly: Starter $89/mo (~150 calls), Professional $199/mo (~500 calls, 2 numbers), Practice $399/mo (~1,500 calls, 5 locations), Enterprise $798/mo (~3,000 calls). Several of those are general small business products that list insurance among many industries, so compare what each entry plan includes for claims, quotes and agency software.

A record priced in another currency, or in more than one currency, keeps its own wording and is left out of the US-dollar figures: CloudTalk AI Receptionist (AI Receptionist add-on from $99/mo (200 min; USD per the English page copy); priced in USD and EUR). Many insurance-first vendors quote only, and some bill per minute or per credit on top of the monthly start, so check the billing unit column and the overage terms. For the full market picture, read the AI receptionist pricing report and the cost guide.

FAQ

What is the best AI receptionist for an insurance agency?

It depends on the job, so this page has no single winner. By our published rules the picks are Insurvoice (broadest agency software list), Revox (after-hours claims intake), InsertChat (budget pick for quote intake), Sonant (policyholder recognition and transfer), Aloware AI Voice Agent (bilingual answering with agency software) and SUPERAGENT (free trial without a card, built for agencies). Each rule is listed above, and each pick should still take a test claim call and a test quote call before you choose.

How much does an AI receptionist for an insurance agency cost?

Among the 12 insurance-tagged vendors with a comparable US-dollar monthly start, the median paid start is $99/month. The cheapest five: FloGPT: Starter $49/mo (2,000 messages); Calls and SMS are metered on top of the plan: AI voice per minute at a carrier-dependent rate quoted on request, SMS $0.01/segment; Optional done-for-you setup $500 once for voice agents ($200 for chat), Kyros: Essential $49/mo (100 AI minutes; extra 100-minute pack $40), NextLevel.AI: Inbound Phone (+ web): Starter from $49/mo (1 line, 300 voice min, 1 language; 50% off the first 3 months), RevSystems: From $49/mo (plan tiers not published on site) and PhoneAgent.ai: Monthly: Starter $89/mo (~150 calls), Professional $199/mo (~500 calls, 2 numbers), Practice $399/mo (~1,500 calls, 5 locations), Enterprise $798/mo (~3,000 calls). Many insurance-first vendors quote only or bill per minute, so check the billing unit in the table above. See the pricing report for wider context.

Does an AI receptionist work with Applied Epic, AMS360 or HawkSoft?

In our data, 5 insurance vendors list tracked agency software: Aloware AI Voice Agent (Applied Epic, AMS360, HawkSoft, EZLynx, NowCerts, AgencyZoom, Better Agency), Cara AI (Applied Epic, AMS360, HawkSoft, AgencyZoom), Hailey (Applied Epic, AMS360, EZLynx), Insurvoice (Applied Epic, AMS360, Vertafore, HawkSoft, EZLynx, QQCatalyst, NowCerts, AgencyZoom) and Sonant (Applied Epic, AMS360, HawkSoft, EZLynx, QQCatalyst, NowCerts, Momentum, AgencyZoom). These integrations are vendor-reported, so ask each vendor to show a test call reaching your own agency management system.

Can an AI receptionist take claims calls after hours?

2 launched insurance records name claims or FNOL intake together with 24/7 or after-hours answering in the same feature: Aloware AI Voice Agent ("Quote intake and FNOL capture 24/7") and Revox ("24/7 inbound answering for quote, service, COI and claims calls"). For every other vendor the record does not say so, which is not the same as not offered, so ask how an out-of-hours claim is captured and who is alerted.

Which AI receptionists for insurance agencies are bilingual or answer in Spanish?

3 launched insurance records name bilingual or Spanish-language answering: Aloware AI Voice Agent ("Bilingual"), CapacityAgents ("Spanish support") and TelAI ("Bilingual English / Spanish"). A record that says only "Bilingual" does not name its languages, so ask which ones. Other records may list a number of languages without naming Spanish, so ask for a test call in the language your clients use.

Which AI receptionists for insurance agencies have a free trial?

5 launched insurance-tagged vendors list a free trial or free plan with no card required: Aloware AI Voice Agent (Start free; no card required), CloudTalk AI Receptionist (Free 14-day trial with 50 AI minutes; no card required), Insurvoice (1-month trial with free cancellation; no card required), Kyros (Free trial and no setup fee: up to 14 days or 50 AI minutes, whichever comes first, on an assigned trial number; no card required) and SUPERAGENT (Free trial, 14 days, no card required). Trial terms for every vendor are in the table above, and the free trial guide has more.

Related

• AI receptionist for insurance agencies and AI receptionist for financial services
• AI receptionists that integrate with HubSpot
• Best AI answering service for law firms, best AI receptionist for accounting firms and best AI receptionist for small business
• AI answering service vs AI receptionist
• AI receptionist cost, free trials and the pricing report

Picks are rule-based and never sold. Vendor facts are claims from each vendor's own record, with sources on its vendor page. Read our methodology before you buy.