The 6 Best Insurance CRM Software for 2022

Customer relationship management (CRM) software for insurance agencies helps service insured clients, track new business opportunities, and assists in the field underwriting process. Additionally, a robust insurance CRM helps agencies manage files and documents related to claims and policies. We evaluated dozens of CRM products ideal for insurance agencies and identified the top six options:

• HubSpot CRM: Best overall insurance CRM for agencies that rely heavily on content marketing
• Freshsales: Most customizable CRM software for insurance agents who want to tailor a system to their unique operational needs
• Zoho CRM: Excellent general-use CRM system for agencies wanting the broadest range of lead communication options
• Insureio: Best insurance CRM software for managing an agency’s whole-house operations
• Less Annoying CRM: Easiest to use option for agencies looking for simple CRM features to manage leads and opportunities.
• Radius: Ideal insurance-specific CRM for insurance agents wanting VoIP and call center features

Provider	Free Plan	Starting Price for Paid Plans*	Free Trial for Paid Plans	Key Insurance-related Features	Customer Support
	Yes, unlimited users	$45 per month for up to 2 users	14 days	Robust blog, social media & ad management features	Email, chat & phone support (7 a.m. to 8 p.m. Eastern Time)
	Visit HubSpot CRM
	Yes, unlimited users	$15 per user, per month	21 days	Low-cost system customization	24/5 phone, live chat & email support
	Visit Freshsales
	Yes, up to 3 users	$14 per user, per month	15 days	Omnichannel communication features	Support via email (24/7), phone & live chat (24/5)
	Visit Zoho CRM
	No free plan	$25 per month	30 days	Insurance app & policy documentation tools	Email & phone support
	Visit Insureio
	No free plan	$15 per user, per month	30 days	Easy-to-use lead, task & pipeline management	Email & phone support 9 a.m. to 5 p.m. Central Time
	Visit Less Annoying CRM
	No free plan	$34 per month	15 days	Native VoIP & call center tools	Chat & phone support during extended hours
	Visit Radiusbob

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Provider	Free Plan	Starting Price for Paid Plans*	Free Trial for Paid Plans	Key Insurance-related Features	Customer Support
	Yes, unlimited users	$45 per month for up to 2 users	14 days	Robust blog, social media & ad management features	Email, chat & phone support (7 a.m. to 8 p.m. Eastern Time)
	Visit HubSpot CRM
	Yes, unlimited users	$15 per user, per month	21 days	Low-cost system customization	24/5 phone, live chat & email support
	Visit Freshsales
	Yes, up to 3 users	$14 per user, per month	15 days	Omnichannel communication features	Support via email (24/7), phone & live chat (24/5)
	Visit Zoho CRM
	No free plan	$25 per month	30 days	Insurance app & policy documentation tools	Email & phone support
	Visit Insureio
	No free plan	$15 per user, per month	30 days	Easy-to-use lead, task & pipeline management	Email & phone support 9 a.m. to 5 p.m. Central Time
	Visit Less Annoying CRM
	No free plan	$34 per month	15 days	Native VoIP & call center tools	Chat & phone support during extended hours
	Visit Radiusbob

*Based on annual billing. Monthly billing is also available at slightly higher rates.

HubSpot CRM: Best Overall Insurance CRM

HubSpot CRM

Overall Score: 4.86 OUT OF 5

What We Like

• Free plan for unlimited users
• Robust marketing features including content development as well as online ad, social media, email marketing, and SEO management
• Intuitive, easy-to-use interface

What's Missing

• Paid plans get expensive
• Not an insurance-specific CRM
• E-signature tools require professional plan

HubSpot CRM Pricing at a Glance*

• Free: Unlimited users
• Starter CRM Suite:** $45 per month
• Professional CRM Suite: $1,600 per month (up to 5 users)
• Enterprise CRM Suite: $5,000 per month (up to 10 users)
• Free trial: 14 days

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.
**CRM Suite includes sales, marketing, customer service, content management system (CMS), and operations software. Individual modules can be purchased at lower monthly costs.

HubSpot CRM is a popular sales management platform with free plans and solutions for managing sales, marketing, operations, customer service, and content management. The system has customization capabilities and an intuitive interface to navigate. The insurance industry is saturated in that there are many agencies to choose from, and it’s often difficult to differentiate yourself.

With that said, many agencies use content marketing as a way to educate prospects on complex insurance topics, market their brand, and generate leads. Though not an insurance-specific CRM, HubSpot CRM is an excellent platform for overseeing all aspects of marketing.

Users can manage their blog, search engine optimization (SEO), social media accounts, and advertisements, all from the CRM. There’s also segmentation so users can send certain campaigns to specific audiences.

Though it’s a high-quality CRM, HubSpot is not industry-specific to insurance agencies and therefore cannot handle some of the activities in an agency operation, such as managing policy renewals, delivering policies, or submitting applications. Insureio is the best alternative designed specifically for insurance agencies to handle these functions.

HubSpot CRM Plan Summary

HubSpot CRM Key Features

• Goal tracking: Ability to set insurance premium quotas and goals and track progress in real time
• List segmentation: Criteria-based contact list designer to separate different leads or customers for communications such as by personal or commercial lines
• Auto-lead assignment: Configurable system for automatically assigning and rotating new leads to various agents or reps based on coverage specialties, deal size, or region
• Content, social media, and SEO management: Lets users manage their blog, social media accounts, and search engine optimization directly from the CRM

HubSpot social media monitoring (Source: SmartBug Media)

HubSpot list segmentation (Source: HubSpot)

HubSpot goals (Source: HubSpot)

HubSpot Customer Support

In addition to phone, email, and live chat support from 7 a.m. to 8 p.m. Eastern Time, HubSpot has an array of online resources. This includes the HubSpot Academy, a community page of platform users, and an online library of tutorials and guides.

Learn more about how this CRM helps sales teams manage leads, track conversations, collaborate, and manage marketing campaigns in our HubSpot CRM review.

Visit HubSpot CRM

Freshsales: Best for CRM System Customization

Freshsales

Overall Score: 4.66 OUT OF 5

What We Like

• Free built-in phone system
• Lots of customization to gear CRM toward insurance agency needs
• Freddy AI feature for lead scoring and other insights

What's Missing

• Plans get expensive in Pro and Enterprise plans
• No project management tools
• Not an insurance-specific CRM

Freshsales Pricing at a Glance*

• Free Plan: Unlimited users for basic CRM features
• Growth: $15 per user, per month
• Pro: $39 per user, per month
• Enterprise: $69 per user, per month
• Free trial: 21 days

Add-ons

• Configure, Price, Quote: $19 per user, per month for quote document templates, invoicing synced to deals, and document activity tracking
• Additional Bot sessions: $75 for 1,000 bot sessions per month for automated customer or lead support

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.

Freshsales is a great CRM option with a free plan, low-cost paid plans, and an easy-to-use interface. Agencies using Freshsales like its built-in phone for placing, receiving, and logging phone calls with insureds or new leads. There are also artificial intelligence (AI) features to help spot hot opportunities and run sales forecasts. Furthermore, the ability to manage team deals helps firms that need collaboration between producers, brokers, and account managers.

Because Freshsales offers robust sales features but is not designed specifically for insurance businesses, users find the strong system customization it offers especially valuable. Insurance agencies require unique sales stages like underwriting or submitting applications to carriers—demanding certain pipeline stages and contact data to be collected. Even on the low-cost plans, this CRM system lets you customize modules, data fields, pipelines, and sales activities.

Freshsales does not have insurance-specific features for managing policies or applications because it’s a general CRM product. Insureio is the best alternative for businesses looking for a CRM built for insurance agencies.

Freshsales Plan Summary

Freshsales Key Features

• Built-in telephone: Module for placing and receiving calls directly from the CRM as well as being able to route, transfer, log, and record calls
• Freddy AI: Built-in AI feature that lets agencies do lead scoring, converse with leads, deduplicate data, auto-answer live chat questions, and provide insights on pending deals and sales forecasts
• Tasks, appointments, and notes: Ability to create and track tasks, set appointments with insureds or potential insureds, and document notes on contact records and calls
• Multipipeline management: Ability to manage multiple, customizable pipelines when agencies want to oversee different insurance lines that require different sales stages

Freshsales built-in phone (Source: Freshworks)

Freshsales multipipeline customization (Source: Freshsales)

Freshsales Customer Support

Freshsales offers 24/5 phone, live chat, and email support. There are also online resources like a blog, product updates page, tours, and video tutorials. Users can also read published case studies or utilize a community forum for questions and answers.

Check out our in-depth Freshsales review for detailed information on pricing, features, and what users say about the software.

Visit Freshsales

Zoho CRM: Best for Omnichannel Communication

Zoho CRM

Overall Score: 4.62 OUT OF 5

What We Like

• Cost-friendly and free plan for up to 3 users
• Advanced automation and AI capabilities
• Robust communication features including mass email, social media, chat, and phone

What's Missing

• Most customization features require higher-tiered plans
• Limits free plan access to 3 users with basic features
• Doesn’t have insurance-specific features without customization

Zoho CRM Pricing at a Glance*

• Free: Up to 3 users
• Standard: $14 per user, per month
• Professional: $23 per user, per month
• Enterprise: $40 per user, per month
• Ultimate: $52 per user, per month
• Free trial: 30 days

Add-ons and Native Software:

• Bigin: Free or $7 per user, per month
• Zoho CRM Plus: $57 per user, per month

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.

Zoho CRM offers plenty of customization options to turn this general CRM system into an insurance one. There are also automation capabilities to auto-assign, complete, and notify team members about tasks based on an employee’s role and how the process is designed. The built-in AI Zia feature also ensures data is up-to-date through its enrichment tools and lets users know what tasks they can automate through the Zia suggestions.

The platform’s main standout is its omnichannel communication features, which allow you to stay constantly engaged with your insureds using multiple channels. There are telephonic options through native and integrative VoIP software, mass and direct email, and live chat capabilities. You can also integrate Zoho with social media platforms such as LinkedIn, Twitter, or Facebook to communicate with customers and monitor mentions.

Zoho CRM is an advanced CRM system that may not be best suited for teams looking for a free option as it is capped at three users. Freshsales and HubSpot are ideal alternatives that allow an unlimited number of users on their free-forever plans.

Zoho CRM Plan Summary

Zoho CRM Key Features

• Custom data fields and modules: Options for designing the system to meet the needs of an insurance agency operation through comprehensive customization
• Social media integration: Ability to generate leads, interact with contacts, and monitor activity on social media platforms such as Twitter and Facebook
• Assignment rules: Ability to configure tasks, leads, or customer inquiries such as claims or certificate requests to be auto-assigned to producers or account managers based on certain criteria
• Zia AI feature: Advanced AI capabilities for auto-enriching contact data, conversing for insights and suggestions, and making customizable predictions on sales, operations, or service results

Zoho CRM omnichannel communication (Source: Zoho)

Zoho CRM assignment rule (Source: Zoho)

Zoho CRM customizing module (Source: Zoho)

Zoho CRM Customer Support

Zoho offers users 24/7 email support as well as 24/5 live chat and phone support. Their online resources include training modules, FAQ pages, webinars, video tutorials, e-books, release notes, and product documentation.

Read our Zoho CRM review to explore additional information on this platform’s features, plans, usability, and integrations.

Visit Zoho CRM

Insureio: Best for Managing Insurance Agency Operations

Insureio

Overall Score: 3.99 OUT OF 5

What We Like

• Modules, fields, and features are already built for insurance agencies
• Relatively inexpensive for an industry-specific platform
• Includes policy management features

What's Missing

• No mobile application
• Limited third-party integration options
• Tough to set up, especially for users new to using a CRM

Insureio Pricing at a Glance*

• Basic: $25 per month
• Marketing: $50 per month
• Agency Management: $50 per month
• Marketing & Agency Management: $75 per month
• Free trial: 30 days

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.

Insureio is an industry-specific CRM solution designed for insurance agencies to market their brand, manage leads, and support their current insureds. Everything for sales, marketing, brokering, and customer service can be managed using the various modules.

What gives Insureio our pick for the best CRM for insurance agents to manage operations are its client support features exclusively needed for fulfilling insurance needs. Users can organize critical documents, manage policies, and fulfill case ticket requests. There’s even the ability to electronically apply for and deliver new policies within the CRM through integrations with over 30 different carrier quoting systems.

Insureio does not have a mobile application to manage agency sales, marketing, and operations while on the go. HubSpot CRM and Freshsales, however, are excellent alternatives for users to have remote access to their CRM data.

Insureio Summary

Insureio Key Features

• Agent recruiting: Modular features for recruitment, including prebuilt agency recruitment emails, hierarchy management, and agent brand assignment
• Comprehensive client management: Features for managing client documents and case tickets as well as overseeing tasks, statuses, requirements, quotes, and notes on insurance policies
• Application fulfillment: Electronic applications for over 30 carriers with e-signature and e-policy delivery features
• Robust marketing features: Social media, email, and text marketing along with website quote-to-lead capture capabilities and customizable websites

Insureio CRM application (Source: Insureio)

Insureio adding a policy to a client record (Source: Insureio)

Insureio marketing campaigns (Source: Insureio)

Insureio Customer Support

Insureio has email and phone support during standard Pacific Time business hours. There’s also an extensive library of online resources, including the Insureio Academy with articles and resources browseable by subject category.

Visit Insureio

Less Annoying CRM: Best for Ease-of-Use

Less Annoying CRM

Overall Score: 3.79 OUT OF 5

What We Like

• Intuitive interface to navigate
• Simple pricing with 1 plan option
• Easy customization to meet insurance operation needs

What's Missing

• Lacks advanced features like AI, built-in telephone, or complex workflow automation
• No social media integrations
• Limited reporting and analytics capabilities

Less Annoying CRM Pricing at a Glance*

• Less Annoying CRM Plan: $15 per user, per month
• Free trial: 30 days

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.

Low-priced and easy to use, Less Annoying CRM was built as a basic, user-friendly platform that provides a hassle-free experience. The capabilities within this product include task, event, contact, and lead management as well as basic collaboration features for working in tandem with other users.

Oftentimes, insurance agencies are already satisfied using certain software applications to manage their insureds, policies, and underwriting tasks and just need a simple way to track sales. Less Annoying CRM is the ideal platform for easily customizing data fields and modules and tracking sales opportunities. Everything about this CRM is simplified, including its single-subscription option approach.

As part of being a basic CRM that prioritizes lead and opportunity management, Less Annoying CRM users cannot complete complex workflow automation or gain AI insights on the data it collects. Zoho CRM is the best alternative on this list for teams that want more advanced CRM tools.

Less Annoying CRM Summary

Less Annoying CRM Key Features

• Contact and lead management: Organization of contact and lead data for customizable fields along with status tracking
• Event and task management: Ability to create, share, and assign tasks or events as well as sync them to Google Calendar
• Pipeline reporting: Customizable sales pipelines with reporting and real-time tracking
• Collaboration tools: Custom permissions with task, event, and contact sharing as well as calendar and data synchronization with other users

Less Annoying CRM leads report (Source: Less Annoying CRM)

Less Annoying CRM calendar syncing (Source: Less Annoying CRM)

Less Annoying CRM contact record (Source: Less Annoying CRM)

Less Annoying CRM Customer Support

Less Annoying CRM comes with free email and phone support from 9 a.m. to 5 p.m. Central Time on weekdays. Additionally, they offer employee training via phone or online meetings.

Looking for more information? Take a look at our Less Annoying CRM review for a comprehensive look at product pricing, features, and best-for scenarios.

Visit Less Annoying CRM

Radius: Best Insurance CRM With VoIP & Call Center Features

Radius

Overall Score: 3.37 OUT OF 5

What We Like

• Unique features such as commission, Errors and Omissions (E&O) insurance, and license tracking
• Optional native VoIP telephone integration
• Fields and modules already designed for insurance agencies

What's Missing

• Plan upgrades apply mostly to the number of users rather than features
• Relatively expensive
• No mobile application

Radiusbob Pricing at a Glance*

Leads + Clients

• Agent: $34 per month for 1 user
• CSR: $68 per month for 2 users
• Broker: $149 per month for 5 users
• Agency: $149 per month for 10 users

Leads + Clients + VoIP

• Agent + VoIP: $78 per month for 1 user
• CSR + VoIP: $156 per month for 2 users
• Broker + VoIP: $369 per month for 5 users
• Agency + VoIP: $732 per month for 10 users
• Free trial: 15 days

*Pricing is based on annual billing. Monthly billing is also available at a higher cost.

Built specifically for insurance agencies, Radius comes with integration capabilities with insurance productivity platforms like AgentMethods, CGS Actuarial, FEX Quotes, IXN, and NinjaQuoter. There’s also a broad selection of marketing features for auto-deploying email, text, and direct mail campaigns.

Users can upgrade their traditional CRM plan to include a native voice-over-internet-protocol (VoIP) system to Radius. With this premium plan, they can place and receive calls, log or record their conversations, and configure interactive voice response (IVR) that uses a bot to provide menu navigation options. Additionally, calls can be placed using click-to-call directly from a lead or client record.

Managing sales and clients on the go is critical for insurance agents who nurture leads at networking or corporate events. Radius, however, does not have a mobile app to let users track their opportunities while on the road. HubSpot CRM and Freshsales are solid alternatives with highly acclaimed mobile app interfaces.

Radius Summary*

*Plan + VoIP includes everything on the Leads + Clients plans plus click-to-call, call recording, call groups, voicemail-to-email, texts, and inbound and outbound calling.

Radius Key Features

• Marketing automation: Built-in tools for sending mass emails, SMS texts, direct mail, and automated drip campaigns
• VoIP native software: Integrated telephone solution with click-to-call, recording, call queue management, and IVR and call groups
• Lead and client management: Contact and insurance data organization with lead distribution automation
• Process automation: Automated workflows, task assignment, and quote generation with IXN, Ninja Quoter, and Compulife integrations

Radius lead record (Source: Radius)

Automated workflow creator (Source: Radius)

Radius Customer Support

Radiusbob has live chat and phone support options during extended business hours. They also offer a knowledge base and an online support center.

Visit Radius

How We Evaluated the Best Insurance CRMs

To determine the best CRMs for insurance agencies, we evaluated features relevant to managing insured customers. For instance, document management features to organize application and policy files are extremely useful to an agency. Additionally, communication tools let you service the needs of insureds and connect with new business leads. We also evaluated general product attributes such as price, ease of use, and customer support.

We found that HubSpot CRM is the best overall choice as it offers a free plan for unlimited users and easy-to-use tools. Additionally, its CRM features relevant to insurance agents include sales goal tracking to monitor insurance premium quotas and comprehensive content management tools for creating and distributing marketing assets agents can use to educate clients.

The tabs below offer insight into our evaluation process of the best CRMs for insurance companies: