Best Insurance Agency Software in 2026

On this page (15)

1. The shortlist
2. TL;DR
3. What software does an insurance agency need?
4. The stack by agency size
5. What each layer costs: published and reported prices
6. Which layers have no published price?
7. Agency management systems: the system of record
8. Comparative raters
9. CRM and marketing on top of the AMS
10. COI issuing
11. AI for phones and renewals
12. Which setup fits your agency?
13. Conclusion: price the AMS first, then add layers as jobs pile up
14. How we chose
15. FAQs

What is the best insurance agency software?

Updated Nov 3, 2026 · ranked by fitAn independent agency needs an agency management system, a comparative rater and usually a CRM. At published prices, NowCerts (Momentum AMS), Momentum Rate and AgencyZoom Essential cost $526 a month for three users and $892 for seven. HawkSoft is the published-price alternative for the AMS, and larger agencies usually move to Applied Epic or AMS360, which are priced by quote.

TL;DR

• An independent agency runs on an agency management system (the system of record for clients, policies, documents and accounting), a comparative rater for quoting, and usually a CRM for the sales pipeline. Certificates, phones, renewals and e-signature are the layers agencies add next.
• 1 to 3 staff: NowCerts (Momentum AMS), Momentum Rate and AgencyZoom Essential come to $526 a month for three users at published prices, or $377 without the separate CRM.
• 4 to 15 staff: the same three tools cost $892 a month for seven users. HawkSoft at $99 per concurrent user is the published-price alternative for the AMS.
• 15 or more staff: Applied Epic and Vertafore AMS360 are the usual systems, and neither publishes a price. Published prices for 20 users add up to $4,165 a month, mostly CRM seats.
• COI issuing, AI receptionists, renewal automation and payments have no published price among the tools tracked here, so those layers sit outside every total on this page.

An independent agency rarely buys one piece of software. It buys a management system, then a rater because quoting eight carrier portals by hand eats the day, then a CRM because renewals slip, and later something for certificates, phones and signatures. Comparing them is hard because each vendor sells a different slice, some bundle two or three slices together, and only a handful publish a price. This guide lays out the layers, says which tools fit an agency of 1 to 3, 4 to 15 and 15 or more staff, and adds up what the published prices come to each month.

What software does an insurance agency need?

Layer	What it does	Picks in this guide
Agency management system (AMS)	The system of record: clients, policies, documents, accounting, commissions and carrier downloads	NowCerts, HawkSoft, Applied Epic, EZLynx
Comparative rater	Enter a client once and get quotes from many carriers	Momentum Rate, EZLynx
CRM and marketing	Leads, sales pipeline, renewal and cross-sell outreach, synced with the AMS	AgencyZoom, InsuredMine
COI issuing	Certificates of insurance for clients, including self-service requests	Certificial
AI for phones and renewals	Answering calls and taking quote intake; checking and remarketing renewals	Sonant, Quandri
E-signature and payments	Signed applications and collected payments	HawkSoft’s E-Signature add-on; no payments product is profiled here

The AMS comes first because the other layers read from it or write back to it. A small agency can run on the AMS and a rater alone. The CRM earns its place once more than one person is selling or once renewals start going out late. Certificates, phones and renewal automation are the layers agencies tend to add after that, when one of those jobs is taking a person’s whole day.

Tracking certificates you receive from vendors and subcontractors is a different job from issuing them for clients. If that is what you need, see the COI tracking software guide.

The stack by agency size

Each table below prices the stack at one headcount, using only prices the vendors publish. It picks the cheapest published plan that covers that many users and gives each person a seat in each tool. If only your producers and CSRs quote, the rater line drops. Setup, data conversion, IVANS downloads, texting and other add-ons are not included.

1 to 3 staff

A one-to-three person agency needs a management system and a rater before anything else. NowCerts, now sold as Momentum AMS, lists a sales pipeline and a renewal center in its plans, so a small agency can start without a separate CRM and add AgencyZoom later; AgencyZoom’s Essential plan covers up to seven users at one price. Momentum Rate comes from the same company as NowCerts. Its $100 Standard plan covers commercial or personal lines; quoting both takes Standard Plus at $150 for two users.

That comes to $526 a month for three users, or $377 without AgencyZoom. With HawkSoft as the AMS instead, three concurrent users cost $297 rather than $227, and HawkSoft says HawkSoft 6 drops the three-user minimum license that applied to its older local installs (source).

4 to 15 staff

At this size the CRM usually pays for itself, because several people are quoting and renewals need a pipeline someone can see. The table prices seven users, the number AgencyZoom includes on its independent agency plans. HawkSoft remains the main published-price alternative to NowCerts here, and it fits agencies of about 1 to 15 staff. At seven concurrent users HawkSoft is $693 a month against $443 for NowCerts.

Agencies writing mostly personal lines often look at EZLynx at this size, because it sells the rater and the management system together. It doesn’t publish prices. One agent reported a quote of about $350 a month for one user in 2023, and a third-party breakdown estimates about $129 a month for the rater alone; both figures are in the price table further down.

15 or more staff

Agencies with multiple locations, trust accounting and an operations team usually shortlist Applied Epic or Vertafore AMS360. Neither publishes a price, so the AMS line for those systems starts with a quote. The table below shows what twenty users cost on the tools that do publish, with InsuredMine as the CRM because AgencyZoom sells seats beyond seven through sales.

Of the $4,165, InsuredMine’s annual-billing rate accounts for $2,120; billed monthly, it is $118 per user, or $2,360. Momentum’s Enterprise plan for NowCerts covers 50 or more users by quote, so a larger agency should ask for that price before taking the per-seat math above at face value.

What each layer costs: published and reported prices

These are the price points behind the tables above. Rows marked as reported are agents’ forum posts or third-party estimates, not vendor price lists.

Which layers have no published price?

• Enterprise AMS: Applied Epic, Vertafore AMS360 and QQCatalyst are quoted by sales. EZLynx is too, apart from the reported figures above.
• AI for phones, renewals and policy checking: Sonant, Quandri and Patra each start with a demo. Patra prices by the services you buy.
• Payments: no payments product is profiled here, so ask your AMS vendor which processors it connects to.
• COI issuing: Certificial publishes $0 for agents, brokers and insureds; its paid plans are for companies tracking suppliers. HawkSoft lists Self-Service Certificates as an add-on at $49 per agency (source).
• Setup and conversion: HawkSoft charges one-time setup and per-database conversion fees without publishing the amounts, and InsuredMine adds setup and implementation fees where they apply.

For AMS prices at 1, 3 and 5 users, see the agency management system pricing guide.

Agency management systems: the system of record

1. NowCerts: Best AMS for a small or mid-size agency that wants a price list

From $119Full profile →Visit site of NowCerts (opens in a new tab) ↗

Best for: Independent agencies of roughly 1 to 15 staff that want to price the whole system before a sales call.

NowCerts merged with Insurance Gig in 2023 and rebranded as Momentum in 2024; the AMS is now sold as Momentum AMS. Its pricing page lists plan contents line by line, including storage, the insured portal and email sync on higher plans (source).

Key functionalities

• Client and policy management, document storage and ACORD forms
• Sales pipeline, custom workflows and a renewal center
• Billing and accounting with commission reconciliation
• IVANS carrier downloads and an insured portal

Pros:

• Published plans: $119 (1 user), $199 (2 users), $419 (5 users), plus $54 per extra seat
• Plan list includes ACORD forms, a sales pipeline, a renewal center, billing and accounting, and commission reconciliation
• Momentum sells a rater with published prices from the same company

Cons:

• IVANS carrier downloads cost $35 on the Essentials and Professional plans
• Two-way texting runs through Twilio or RingCentral at extra cost
• No SOC 2 report stated on the pages reviewed

Pricing: Momentum AMS: Essentials $119 per month (1 user), Professional $199 (2 users), Business $419 (5 users), Enterprise by contact (50+ users); $54 per additional seat. (source)

Verdict: The easiest system to budget for at small-agency scale. Check carrier-download coverage for your top carriers before moving your book.

2. HawkSoft: Best AMS for agencies that want one per-user price and no contract

From $99Full profile →vs Applied Epicvs EZLynxVisit site of HawkSoft (opens in a new tab) ↗

Best for: Small and mid-size P&C agencies, about 1 to 15 staff, that value vendor support and are comfortable with a Windows desktop application.

HawkSoft 6 runs on Microsoft Azure with a native Windows client. HawkSoft lists carrier downloads, prefills on ACORD forms, submission tracking and HawkLink for filling carrier sites with policy data (source).

Key functionalities

• Personal and commercial lines policy management with carrier downloads
• ACORD form prefill and HawkLink autofill on carrier sites
• Website lead capture, batch email and texting
• E-signature, texting and self-service certificates as priced add-ons (source)

Pros:

• $99 per concurrent user per month, no long-term contract, 30 days' notice to leave
• Concurrent licensing means part-time staff may share seats
• Add-ons have published prices: E-Signature $39 per license, Self-Service Certificates $49 per agency, Text Messaging $20 per agency per month

Cons:

• One-time setup and conversion fees are not published
• The full feature set runs in a Windows app; the browser Agent Portal covers a subset
• No rater included; HawkSoft sends data to a separate rater

Pricing: $99 per concurrent user per month at retail, no long-term contract; setup and conversion fees extra. (source)

Verdict: The simplest per-user math of the published-price systems, and the add-on price list covers e-signature and certificates. Get setup and conversion quoted in writing.

3. Applied Epic: Best AMS for agencies of 15 or more staff and brokerages

Quote only · SOC 2 Type IIFull profile →vs EZLynxvs HawkSoftvs InsuredMineVisit site of Applied Epic (opens in a new tab) ↗

Best for: Mid-size and large agencies and brokerages with multiple locations, complex accounting and staff to run an enterprise system.

Applied Epic covers policy and client management, accounting, carrier download and reporting across P&C and benefits (source). Vertafore’s AMS360 is the usual alternative at this size, sold alongside the PL Rating rater and AgencyZoom.

Key functionalities

• Policy, client, document and accounting management for P&C and benefits
• Carrier download and book-of-business reporting
• CSR24 policyholder self-service
• SOC 2 Type 2 audits (source)

Pros:

• Applied says seven of the ten largest brokers ranked by Business Insurance use Epic
• SOC 2 Type 2 audits run semi-annually, per Applied's security page
• Same vendor owns EZLynx, Applied Analytics and the CSR24 client portal

Cons:

• No published pricing
• More system than an agency under about 10 staff needs
• Switching later is a large data and training project

Pricing: Not published; quoted by sales.

Verdict: The default shortlist entry once an agency has the scale to use it. Smaller agencies should price a published-price system first.

4. EZLynx: Best for rating and management from one vendor

Quote only · Free trial: Free trial offered; length not stated (per EZLynx pricing page) · SOC 2 Type IIFull profile →vs Applied Epicvs HawkSoftVisit site of EZLynx (opens in a new tab) ↗

Best for: Personal lines agencies that want the rater, the management system and a CRM in one platform.

EZLynx says its price depends on your number of users and the products you choose, and that agency network members may get a discount (source). Our EZLynx pricing guide covers the reported figures.

Key functionalities

• Comparative personal lines rating with prefill
• Agency management, CRM and a client self-service portal
• EVA, a family of AI features built into the platform, per EZLynx

Pros:

• Rating Engine quotes 330+ carriers across 48 states, per EZLynx
• AMS, rater and client portal from one vendor, owned by Applied Systems
• Free trial linked from its pricing page

Cons:

• No published pricing; reported figures only
• Price rises with users and modules, per EZLynx
• Commercial-heavy agencies should check its commercial quoting against their carriers

Pricing: Not published. Reported: about $350 a month for one user on the management system (2023 forum post) and about $129 a month for the rater alone (third-party estimate). (source)

Verdict: Strong for home and auto agencies that want one login for quoting and servicing. Ask for the rater and AMS priced separately.

Comparative raters

5. Momentum Rate: Best rater with a published price

From $100Full profile →Visit site of Momentum Rate (opens in a new tab) ↗

Best for: Small agencies, especially on Momentum AMS, that want a rater they can budget for before a demo.

Momentum Rate is sold by the company behind NowCerts (source). For larger carrier lists, see EZLynx above or Vertafore PL Rating in the comparative raters guide.

Key functionalities

• Commercial and personal lines rating, by plan
• Flood rater and AI tools listed as plan features
• Same vendor as Momentum AMS

Pros:

• Published plans from $100 to $300 a month, with 2 to 8 users and $50 per extra user
• Commercial or personal lines from $100; both from $150
• Momentum says it quotes 65+ auto and 35+ home carriers for personal lines

Cons:

• Plan features cap submissions at up to 250 per user
• Carrier coverage by state isn't listed on the pricing page
• Fewer carriers advertised than EZLynx or Vertafore PL Rating

Pricing: Standard $100 per month (2 users, commercial or personal); Standard Plus $150 (2 users, both); Growth $200 (5 users); Enterprise $300 (8 users); extra users $50 each. (source)

Verdict: The rater used in the worked totals because it is the only one with a full price list. Check carriers in your states first.

CRM and marketing on top of the AMS

6. AgencyZoom: Best CRM for agencies up to seven users

From $149 · Free trial: 14 daysFull profile →Visit site of AgencyZoom (opens in a new tab) ↗

Best for: P&C agencies that want pipeline, renewal and goal tracking at a flat monthly price.

AgencyZoom is owned by Vertafore and says on its pricing page that it “acts as an extension to your AMS”. See the AgencyZoom pricing breakdown for the Allstate and Farmers plans.

Key functionalities

• Lead management and sales pipeline
• Renewal and onboarding automation on Growth and Pro
• Two-way email and texting on Growth and Pro

Pros:

• Essential $149, Growth $199 and Pro $349 a month, each with up to 7 users
• Annual billing is 20% off
• 14-day free trial

Cons:

• Seats beyond seven are sold through sales
• Some AMS integrations may cost extra
• Does not replace an AMS

Pricing: Essential $149 per month, Growth $199, Pro $349, up to 7 users; annual billing 20% off. (source)

Verdict: The cheapest CRM line in the worked totals for agencies of up to seven people. Confirm whether your AMS integration costs extra.

7. InsuredMine: Best CRM priced per user for larger teams

From $106 · Free trial: 14 days for $1 (AMS integration not included) · SOC 2 Type IIFull profile →vs Applied EpicVisit site of InsuredMine (opens in a new tab) ↗

Best for: Agencies with more than seven people selling or servicing that want a CRM synced two ways with their AMS.

InsuredMine adds renewal-risk signals, cross-sell recommendations and email and text campaigns on top of the AMS. Compare it with other options in the insurance CRM software guide.

Key functionalities

• Two-way AMS sync, per the vendor
• Sales pipelines, email and text campaigns
• Renewal-risk and cross-sell recommendations

Pros:

• $118 per user per month, or $106 billed annually
• Advertises two-way AMS sync with no migration
• States a SOC 2 Type II certification

Cons:

• Setup and implementation fees apply where applicable
• The $1, 14-day trial leaves out the AMS integration
• Per-user pricing grows quickly with headcount

Pricing: $118 per user per month billed monthly, or $106 billed annually; setup and implementation fees where applicable. (source)

Verdict: A fit when headcount passes AgencyZoom's seven-user plans. Test the sync against your own AMS data before you sign.

COI issuing

8. Certificial: Best for issuing certificates for clients

Free to startFull profile →Visit site of Certificial (opens in a new tab) ↗

Best for: Agencies and brokers that issue certificates of insurance and want clients to request them without a phone call.

Certificial lets agents issue certificates and respond to requests, while companies on the other side track them (source).

Key functionalities

• COI issuance and request responses for agents and brokers
• Self-service certificates for clients
• An insurance tracking API

Pros:

• Free for insureds, agents and brokers
• Self-service certificates for agency clients
• Clients' vendors and lenders can track certificates in the same network

Cons:

• Value depends on how many of your clients' counterparties use the network
• Enterprise pricing for requestors is not published
• Tracking certificates you receive from your own vendors is free only up to 5 suppliers

Pricing: Free for insureds, agents and brokers; requestor plans from $0 to $99 per month and Enterprise by contact. (source)

Verdict: A no-cost way to take certificate requests off the service desk. HawkSoft agencies can compare it with HawkSoft's $49 Self-Service Certificates add-on.

AI for phones and renewals

9. Sonant: Best for answering agency phones with AI

Quote only · SOC 2 Type IIFull profile →Visit site of Sonant (opens in a new tab) ↗

Best for: P&C agencies that miss or queue calls and want an AI to answer, take quote details and log the call in the AMS.

Sonant writes post-call notes into the agency’s systems and connects to calendars and Zapier (source).

Key functionalities

• 24/7 call answering and transfers
• Quote intake and service requests on the call
• Post-call notes written to the AMS

Pros:

• Answers 24/7, transfers calls, takes quote intake and books appointments
• Lists integrations with Applied Epic, AMS360, EZLynx, HawkSoft, Momentum and QQCatalyst
• States SOC 2 Type 2 compliance

Cons:

• No published pricing
• Covers phones only; renewals and policy checking need another tool
• AMS write-back depends on your system being on its integrations list

Pricing: Not published; demo first. (source)

Verdict: Worth pricing once missed calls cost the agency quotes. Confirm the write-back to your AMS.

10. Quandri: Best for automating personal lines renewals

Quote onlyFull profile →Visit site of Quandri (opens in a new tab) ↗

Best for: Personal lines agencies on Applied Epic, AMS360 or HawkSoft that can only review their largest renewals by hand.

Quandri calls itself a renewal intelligence platform and also lists account rounding, book rolls and book audits. For more options, including AI inside the AMS and general assistants, see AI tools for insurance agencies.

Key functionalities

• Renewal policy checking and requoting
• Renewal and client outreach emails
• Account rounding, book rolls and book audits

Pros:

• Covers policy checking, remarketing and client outreach at renewal
• Names its supported systems: Applied Epic, AMS360 and HawkSoft
• Says client data is encrypted in transit and at rest

Cons:

• No published pricing
• Only three management systems named
• Its security page doesn't state the SOC 2 report type

Pricing: Not published; demo first. (source)

Verdict: A fit for agencies whose retention depends on reviewing the whole renewal book. Ask for results from an agency your size.

Which setup fits your agency?

• Starting out or under four people: NowCerts and Momentum Rate, adding AgencyZoom when a second person sells. HawkSoft if you prefer per-user pricing with no contract.
• Mostly home and auto, choosing an AMS and rater together: get EZLynx quoted, and compare it with NowCerts plus Momentum Rate at published prices.
• Four to fifteen staff with renewals slipping: add a CRM. AgencyZoom covers up to seven users at one price; InsuredMine is priced per user beyond that.
• Fifteen or more staff, several locations or a brokerage: shortlist Applied Epic and AMS360, and budget for implementation.
• Calls going to voicemail: Sonant. Renewals only reviewed for the biggest accounts: Quandri.
• Clients phoning for certificates: Certificial, or HawkSoft’s Self-Service Certificates add-on.

Conclusion: price the AMS first, then add layers as jobs pile up

The management system decides most of what follows: which raters connect, which CRMs sync and which AI tools can write back to it. Price it first, using the published lists where they exist and written quotes elsewhere, then add the rater and CRM. For the layers without a price list, ask each vendor for the monthly cost at your headcount, plus setup, before the demo ends.

How did we choose these tools?

The order is our editorial judgment of fit for the job this guide covers, not a test score. Prices appear only where the vendor publishes them or a cited source reports them; otherwise we name the pricing model and mark it "Quote only." SOC 2 status comes from each vendor's trust or security pages. These profiles are desk research: we have not run the products on real files. Full methodology.

FAQs

What software does an insurance agency need?

Most independent agencies start with an agency management system (AMS), which holds clients, policies, documents, accounting and carrier downloads. A comparative rater handles quoting across carriers, and a CRM such as AgencyZoom or InsuredMine runs the sales pipeline and renewal outreach on top of the AMS. Agencies then add tools for issuing certificates of insurance, answering phones, working renewals and collecting e-signatures as volume grows.

How much does insurance agency software cost per month?

At published prices, a three-user agency running NowCerts (Momentum AMS), Momentum Rate and AgencyZoom Essential pays $526 a month. A seven-user agency pays $892 a month for the same three tools. Twenty users on NowCerts, Momentum Rate and InsuredMine come to $4,165 a month. Setup, data conversion and add-ons are extra, and Applied Epic, AMS360 and EZLynx are priced by quote.

What is the difference between an AMS and a CRM for an insurance agency?

An AMS is the system of record: policies, clients, documents, accounting, commissions and carrier downloads. A CRM is the sales layer on top: leads, pipeline, renewal and cross-sell outreach. AgencyZoom says it acts as an extension to your AMS, and InsuredMine advertises two-way sync with the AMS, so neither replaces one.

Does an agency management system include a comparative rater?

EZLynx sells its rater and management system together, and its Rating Engine quotes 330+ carriers across 48 states by the company's count. NowCerts' parent Momentum sells Momentum Rate separately, from $100 a month for two users. HawkSoft sends client data to the rater you choose. Vertafore sells PL Rating as its own product.

What is the cheapest agency management system with published pricing?

For one user, HawkSoft is $99 a month per concurrent user and NowCerts' Essentials plan (now sold as Momentum AMS) is $119. From two users NowCerts is cheaper, because each extra NowCerts seat is $54 while HawkSoft charges $99 for each concurrent user. Both charge extra for some items: HawkSoft for setup and conversion, NowCerts for IVANS downloads on its lower plans and for two-way texting.

When should an agency move to Applied Epic or AMS360?

Applied Epic fits mid-size and large agencies and brokerages with multiple locations, complex accounting and operations staff to run it. Applied says seven of the ten largest brokers ranked by Business Insurance use Epic. Neither Epic nor AMS360 publishes a price, so expect a sales process, an implementation project and a quote that includes setup and training.

What software do insurance brokers use?

Brokerages run the same layers as agencies, at larger scale. Applied Epic and Vertafore AMS360 are the common systems of record, and large brokerages with Salesforce skills sometimes add Salesforce Financial Services Cloud, which lists $325 per user per month for Sales Core and includes brokerage features such as producer splits and commission processing in its Advanced and Max editions.

Which parts of the agency software stack don't publish prices?

Among the tools tracked here, the enterprise AMS platforms (Applied Epic, AMS360, QQCatalyst), EZLynx, the AI tools for phones and renewals (Sonant, Quandri, Patra) and payments have no published price. Certificial is free for agents and brokers who issue certificates. Reported EZLynx figures exist, from about $129 a month for the rater alone to about $350 a month for one user on the management system.