9 Best Insurance CRM Software in 2025
TL;DR
- We tested 20+ CRMs to find the best for insurance agents, brokers, and agencies.
- The best tools simplify policy tracking, automate reminders, and keep client data organized.
- Some are built just for insurance; others are flexible CRMs that work with the right tweaks.
Selling insurance is less about closing deals and more about building trust, managing renewals, and keeping every little detail—from compliance docs to claim timelines—on track.
Insurance CRMs help you organize contacts, track policies, automate follow-ups, and reduce admin work. And when used right, they make it easier to give clients the kind of service that keeps them coming back.
We reviewed 21 CRM platforms and shortlisted 9 that stood out for insurance use cases.
Some are purpose-built for the industry. Others are highly customizable. All of them passed our usability, features, and workflow tests.
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The best insurance CRMs in 2025
- Insureio for independent life insurance agents
- AgencyBloc for life, health, and P&C agency management
- Zoho CRM for workflow automation and customization
- Pipedrive for visual pipelines and fast sales tracking
- Radiusbob for Medicare and health insurance brokers
- HubSpot CRM for all-in-one client and lead management
- Freshsales for starting free with built-in communication tools
- Zendesk Sell for high-volume lead follow-up
- AgentCubed for managing leads & policies
Insurance CRM vs. Sales CRM: What’s the difference (and which one do you need)?
At first glance, they look similar: both help you track contacts, deals, and follow-ups. But under the hood, an insurance CRM is built for policy management—not just selling, but servicing.
A sales CRM is great for managing leads and closing deals. An insurance CRM goes further: it helps you stay compliant, manage renewals, track carrier info, and store documents securely over the entire policy lifecycle.
Here’s how they stack up:
Insurance CRM
- Tracks policies, not just deals
- Manages renewals, cancellations, and claims
- Handles commissions and carrier appointments
- Often includes secure document storage and license reminders
Sales CRM
- Tracks leads and pipeline stages
- Helps sales reps close deals faster
- Great for forecasting and team performance
- Usually focused on short sales cycles
If you sell policies and service clients long-term, an insurance CRM will save you hours. If you’re just hunting leads and closing quick, a sales CRM might be all you need—for now.
What to look for in insurance CRM software?
How we evaluate and test insurance CRM apps
We tested each CRM as if we were insurance agents ourselves—setting up policy pipelines, importing client data, and running everyday tasks like sending renewal reminders and logging policy details. Here’s what we looked for:
- Ease of use: Can an agent get up and running fast without calling IT?
- Insurance-specific features: Policy tracking, carrier fields, license reminders, commission tracking.
- Automation & integrations: Email sync, lead forms, renewal alerts, carrier data sync.
- Compliance & documentation: Secure storage, audit trails, permission controls.
- Pricing & scalability: Can it grow with a solo agent or scale to an entire agency?
We gave extra credit to platforms with clean UI, strong support, and real-world flexibility.
Best CRM for insurance agents: Comparison chart
Product | Best for | Pricing* | Free plan | URL |
Insureio | Independent agents | $25/month | No | |
AgencyBloc | Agency management | $109/user/month | No | |
Zoho CRM | Workflow automation | $14/user/month | Yes | |
Pipedrive | Visual pipelines | $14/user/month | No | |
Radiusbob | Health insurance | $34/user/month | No | |
HubSpot CRM | All-in-one CRM | $15/month | Yes | |
Freshsales | Starting for free | $9/user/month | Yes | |
Zendesk Sell | High-volume leads | $19/user/month | No | |
AgentCubed | Leads & policies | Upon request | No |
Best insurance CRM for independent agents
Insureio
Pros
- Built specifically for insurance workflows
- Smart policy tracking and quote tools
- Client marketing automation baked in
Cons
- UI feels dated in places
- Reporting can be clunky for large datasets
Insureio is purpose-built for life insurance agents, and it shows. When I signed up, I could instantly customize my dashboard to show leads by carrier, policy status, and client type. No guesswork; just a clear daily to-do list.
The built-in marketing tools are a standout. You can send birthday messages, renewal emails, or onboarding sequences without switching tabs. I appreciated how easy it was to merge carrier data and filter by underwriter too.
It’s less ideal for P&C or health insurance, and the UI isn’t exactly modern. But for life agents juggling quotes, policies, and client comms, Insureio covers the bases.
Pricing
Paid plans start at $25/month.
Helpful next steps
- Try Insureio for free
Visit site
Go to Insureio's official website
Best insurance CRM for P&C and life insurance agencies
AgencyBloc
Pros
- Full policy lifecycle tracking
- Commission management features
- Strong client + agent organization
Cons
- Not ideal for solo agents
- Limited flexibility outside insurance use cases
AgencyBloc is the closest thing I’ve seen to an all-in-one system for life and health agencies. I liked how easy it was to assign agents to policies, track carrier appointments, and generate commission reports with just a few clicks.
Where it shines is the ability to see a client’s complete relationship history—every email, every policy, every note. It’s a comforting level of transparency when you’re dealing with renewals or service issues.
It’s not as customizable as a general-purpose CRM, and solo agents might find it too much. But if you manage a small team or midsize agency, AgencyBloc keeps everything humming in one place.
Pricing
Starting at $109/user/month; customized pricing available upon request.
Helpful next steps
- Schedule a live demo with AgencyBloc
Visit site
Go to AgencyBloc's website
Best insurance CRM for automation and integrations
Zoho CRM
Pros
- Affordable, with flexible tiers
- Powerful automation builder
- Integrates with hundreds of tools
Cons
- Takes time to configure for insurance
- UI can be overwhelming at first
Zoho CRM isn’t industry‑vertical by default, but supports in-depth customization, including insurance use cases. Setup requires investment, especially for insurance workflows, and setting up projects may take several days.
I used its Blueprint feature to map out a full policy workflow: from lead to quote to bind. The drag-and-drop builder helped me automate emails, assign tasks, and set reminders based on custom fields like “Policy Type” or “Carrier.”
I also appreciated how smoothly it integrated with Google Workspace, DocuSign, and even Twilio for texting. It took me about a day to customize everything, but once it clicked, it felt like a powerful co-pilot.
If you need max flexibility and already have a few systems in place, Zoho’s worth the effort.
Pricing
Free for 3 users; paid plans from $14/user/month, billed annually.
Helpful next steps
- Read our Zoho CRM review
- Try Zoho CRM for free
Visit site
Go to Zoho CRM's official website
Best insurance CRM for sales-focused insurance teams
Pipedrive
Pros
- Visual, drag-and-drop pipeline
- Insurance-ready with a few tweaks
- Fast setup and intuitive UI
Cons
- Lacks insurance-specific fields out of the box
- Commission tracking requires add-ons
Pipedrive feels like a breath of fresh air if you’ve wrestled with clunky CRMs. I created a custom pipeline for auto and home leads in under 10 minutes. It guided me through follow-ups, quote steps, and renewals like a checklist.
You’ll need to customize fields for policies and carriers, and it won’t handle commission tracking natively. However, there’s plenty of third-party integrations that can help. But if you’re focused on selling and keeping your pipeline clean, it’s hard to beat for speed and simplicity.
Bonus: the automation tools are surprisingly strong once you explore them.
Pricing
Starts at $14/user/month, billed annually.
Helpful next steps
- Read our Pipedrive review
- Try Pipedrive for free
Visit site
Go to Pipedrive’s official website
Best insurance CRM for health insurance brokers
Radiusbob
Pros
- Designed for health & Medicare brokers
- Built-in dialer and quoting tools
- Great for solo agents and teams
Cons
- UI feels dated
- Limited customization
Radiusbob is one of the few CRMs that truly “gets” health insurance sales. I tested the Medicare plan comparison tool and could quote policies right inside the platform, no extra tools needed.
It’s not pretty, but it’s practical. You get automated call recording, lead distribution, and reminders for follow-ups, all built-in. The calling functionality in particular saved me tons of time when prospecting during AEP.
If you sell health, Medicare, or group plans, this tool was clearly made with you in mind.
Pricing
Starts at $34/user/month, billed annually.
Helpful next steps
- Try Radiusbob for free
Visit site
Go to Radius' official website
Best insurance CRM for collaborative teams
HubSpot CRM
Pros
- Free plan is surprisingly powerful
- Excellent task and deal management
- Easy team collaboration
Cons
- No insurance-specific templates
- Premium features get pricey
HubSpot CRM isn’t an insurance CRM, but it plays the part well. I appreciated how easy it was to build deal pipelines, assign tasks, and collaborate across sales and service teams. It even nudged me when a follow-up was overdue.
It won’t help you calculate commissions or track licenses, but it excels at keeping clients organized and nurturing leads. With the free plan, it’s a great way to dip your toes in the CRM world before investing in something bigger.
Pricing
Free for core CRM features. Paid tiers start from $15/month, billed annually.
Helpful next steps
- Read our HubSpot CRM review
- Try HubSpot CRM for free
Visit site
Go to HubSpot CRM's official website
Best free insurance CRM
Freshsales
Pros
- Free plan includes built-in phone and email
- Modern UI with sales-focused tools
- Easy contact and deal tracking
Cons
- Limited insurance templates
- May require workarounds for policies
Freshsales hits a sweet spot for agents who want something clean, modern, and free to start. I liked how quickly I could add leads, create deal stages, and send emails—without touching another tool.
The smart fields and AI suggestions helped surface “at-risk” leads, and the mobile app made quick updates easy during field visits. It’s not insurance-specific, but the basics are all there.
If you’re starting out or looking for a simple CRM to manage leads, Freshsales does more than you’d expect from a freebie.
Pricing
Free plan available. Paid tiers start from $9/user/month, billed annually.
Helpful next steps
- Read our Freshsales review
- Try Freshsales for free
Visit site
Go to Freshsales' official website
Best insurance CRM for high-volume lead follow-up
Zendesk Sell
Pros
- Clean, intuitive UI that’s easy to learn
- Built-in email, calling, and task tracking
- Great for fast-paced, sales-driven teams
Cons
- No native support for policies, carriers, or commissions
- Limited compliance and documentation tools
Zendesk Sell is built for speed. If your insurance business is focused on inbound leads, outbound calls, and fast deal cycles, this CRM helps you move quickly.
It doesn’t come with insurance-specific fields or compliance tools, so it’s not ideal for agencies juggling complex policies or multi-year servicing. But if your team spends the day chasing quotes and closing fast, Zendesk Sell keeps everything moving.
Pricing
Paid plans start at $19/user/month, billed annually.
Helpful next steps
- Read our Zendesk Sell review
- Try Zendesk Sell for free
Visit site
Go to Zendesk Sell's official website
Best insurance CRM for managing leads and policies under one roof
AgentCubed
Pros
- Built specifically for insurance agents and agencies
- Strong lead distribution and policy tracking tools
- Handles commissions, compliance, and licensing
Cons
- Dated UI and onboarding can feel clunky
- Limited flexibility for non-health insurance lines
AgentCubed is tailored for insurance from the ground up. I appreciated how it connects lead capture to quoting, enrollment, and follow-up—all in one dashboard. It handles health and Medicare workflows especially well, with smart routing rules and built-in commission tracking.
Setup isn’t the snappiest, but once running, it’s a solid command center for both solo agents and midsize teams. It covers all six areas well: lead intake, policy and license tracking, built-in reminders, secure storage, and scalable tools for agency growth.
Pricing
Custom pricing only; no free plan available.
Helpful next steps
- Request AgentCubed demo
Visit site
Go to AgentCubed's official website
Final thoughts: You’ve got options and support
There’s no universal “best” insurance CRM. There’s only the one that makes your life easier, whether that’s by reminding you about a policy renewal, helping you follow up faster, or giving you a clearer view of your clients.
Start with where you’re at.
Selling life insurance solo? Insureio is made for that. Running a small agency? AgencyBloc keeps policies, agents, and commissions in sync. Just getting started? HubSpot and Freshsales offer solid free plans.
Whether you’re running a solo book or managing a whole team, one of these tools will help lighten the load. And don’t be too lazy to test-drive them all. Tweak the pipelines. Add a few real clients. See how it feels in motion.
You’ll know when it feels right.
Need more help? Check out our related guides:
Insurance CRM Software FAQs
What features should an insurance CRM have?
At a minimum, it should help you track policies, automate follow-ups, store documents, and stay on top of renewals. Bonus points for things like commission tracking, carrier integrations, e-signatures, and secure messaging.
Can I use a regular CRM for insurance?
Yes, but you’ll probably need to customize it. Tools like Zoho, HubSpot, and Pipedrive can work well once you add fields for policies, carriers, and license dates. If you want something ready out of the box, go with an insurance-specific CRM like Insureio or AgencyBloc.
Is there a free CRM for insurance?
There are solid free options (like HubSpot or Freshsales), but most insurance-specific CRMs charge monthly. If budget is tight, start with a general CRM that supports custom fields—you can always upgrade later.
Do I need a CRM if I’m a solo agent?
Absolutely. A good CRM keeps you organized, reminds you about renewals, and stores everything in one place. It’s like having a digital assistant that never forgets a client’s birthday or policy expiration. You can always research personal CRMs if the standard options seem too much for you.
Will a CRM help with renewals?
Yes, and it should. The best insurance CRMs automate renewal reminders, surface upcoming expirations, and help you re-engage clients before coverage lapses.
