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Insurance agency AI software compared: agency management, quoting, and client tools by fit
These eight tools do different jobs, so this page sorts them by the job first, then by agency size. An agency management system (AMS) runs your clients, policies, renewals, and certificates of insurance (COIs). A comparative rater quotes one risk across several carriers at once. Client tools handle texts, reviews, and phone calls. We take no payment for placement, and we print a dollar figure only when the vendor publishes one.
The short version:
- Agency management systems: HawkSoft and EZLynx suit smaller independent P&C agencies; AMS360 and Applied Epic are built for larger, growing, or multi-location shops.
- Rating built in: EZLynx bundles comparative rating into the management system. HawkSoft, AMS360, and Applied Epic focus on management, so you rate through a separate tool.
- Quoting only: Tarmika is a comparative rater. It quotes across carriers fast, but it is not a place to run your agency.
- Client tools: GloveBox is a customer relationship management (CRM) system with automation from about $150/mo; Podium handles texting and reviews from about $399/mo; Sonant is an AI voice agent that answers P&C calls after hours.
- Pricing: only GloveBox and Podium publish a starting figure. The other six are quote-based, so you get a number after a demo.
How do the eight tools compare?
These are the 8 tools we've checked; we don't list ones we haven't. Grouped by job below the table.
| Tool | Best for | Pricing | AI feature | Key limit |
|---|---|---|---|---|
| HawkSoft | Smaller independent P&C agencies wanting a focused management system | Quote-based | AI features inside agency management and servicing workflows | No published price; comparative rating is not built in |
| EZLynx | Agencies that want management and comparative rating in one system | Quote-based | Management system with built-in comparative rating | Rating depends on your carrier appointments; no published price |
| AMS360 | Mid-size, growing agencies | Quote-based | Vertafore management system with AI features | Heavier setup than a small office needs; no published price |
| Applied Epic | Larger, multi-location agencies | Quote-based | Enterprise management system with AI features | Quoted per seat; more than a one or two person agency needs |
| Tarmika | Agencies that mainly want faster quoting across carriers | Quote-based | Comparative rater that quotes one risk across many carriers | Quoting only; it is not an agency management system |
| GloveBox | Agencies wanting a client CRM with automated follow-up | Paid from ~$150/mo | Insurance CRM with automated client communication (formerly Better Agency) | TCPA consent needed for texts; not a rater or a full management system |
| Podium | Agencies focused on client texting and online reviews | Paid from ~$399/mo | AI-assisted texting and review requests | TCPA consent needed; priced above most single-purpose comms tools |
| Sonant | Agencies that miss calls after hours or during busy stretches | Quote-based | AI voice agent that answers P&C calls and routes or logs them | TCPA and AI-disclosure setup needed; no published price |
Only GloveBox and Podium publish a starting price; the other six are quote-based. Features and prices shift, so confirm current terms with each vendor. Nothing here is legal, compliance, or insurance advice.
Which tools are agency management systems?
Four of them: HawkSoft, EZLynx, AMS360, and Applied Epic. This is the system your team lives in all day. It holds client and policy records, tracks renewals, stores certificates of insurance, logs servicing notes, and connects to carriers. HawkSoft is the one most often favored by smaller independent P&C books. AMS360, from Vertafore, fits mid-size and growing agencies and takes more setup. Applied Epic is the enterprise option, quoted per seat and aimed at larger or multi-location agencies. All four are quote-based. For the two lighter systems side by side, see EZLynx vs HawkSoft; for the two heavier ones, see AMS360 vs Applied Epic.
Which tools handle quoting and rating?
Two: EZLynx and Tarmika. A comparative rater takes one client's details and returns prices from several carriers at once, so you stop rekeying the same risk into portal after portal. EZLynx builds rating into its management system, which is handy if you want quoting and servicing in one place. Tarmika is a standalone rater, so it does quoting well but does not run your agency. With either one, what you can quote depends on the carriers you are appointed with -- the tool cannot return a price from a carrier you do not represent.
Which tools handle client communication?
Three: GloveBox, Podium, and Sonant. GloveBox, once called Better Agency, is an insurance CRM with automation from about $150/mo -- it keeps client records and sends automated follow-up as policies renew. Podium, from about $399/mo, focuses on two-way texting and asking happy clients for online reviews. Sonant is an AI voice agent built for P&C calls; it can pick up after hours, answer common questions, take a message, or route a claims-status call. All three touch consent rules. Texting sits under the Telephone Consumer Protection Act (TCPA), so you need consent on file first, and an AI voice agent should tell callers they are speaking with AI. Sort out consent and disclosure before you switch any of them on.
How to choose by agency size
Pick the core system to match your size, then add client tools as the need shows up.
Solo to 3 staff
Start with HawkSoft for management, or EZLynx if you also want comparative rating in one place. If you only need faster quotes right now, Tarmika is a lighter add.
4 to 10 staff, growing
EZLynx still fits, and AMS360 comes into range as your book and reporting needs grow. Layer in GloveBox for automated renewals or Sonant if calls slip after hours.
Larger or multi-location
Applied Epic is built for scale and quoted per seat; AMS360 is the other option. See AMS360 vs Applied Epic before you commit.
Reviews and texting first
If your gap is client contact rather than management, Podium (from ~$399/mo) handles texting and reviews. Keep TCPA consent in place before the first text goes out.
Didn't find your fit? More options to consider
The big software lists rarely mention these, and one of them may cost you nothing extra:
- Your carrier's or cluster's own system. Some carriers and agency clusters offer their own agency-management platform, sometimes discounted or included for appointed agencies. Ask your carrier reps and your cluster or aggregator before you buy a system outright.
- An association- or network-endorsed system. State independent-agent associations and agency networks sometimes endorse a management or rating system and negotiate a member rate. If you belong to one, check what it has already vetted.
- A general CRM if you are pre-AMS. If you are a brand-new agency and a full management system is more than you need yet, a general-purpose CRM can hold clients and reminders until your book is large enough to justify an AMS. Plan the move to a real management system as you grow, since a general CRM will not track policies or COIs the way an AMS does.
Common questions
What is the difference between an agency management system and a comparative rater?
An agency management system (AMS) is the hub where you store clients, policies, renewals, and certificates of insurance (COIs). A comparative rater is a quoting tool that sends one client's details to several carriers and returns prices side by side. HawkSoft, AMS360, and Applied Epic are agency management systems. Tarmika is a rater. EZLynx is both, with rating built into the management system.
Which of these tools publishes a price?
Only two here list a starting figure. GloveBox is paid from about $150 per month, and Podium is paid from about $399 per month. HawkSoft, EZLynx, AMS360, Applied Epic, Tarmika, and Sonant are quote-based, so you get a number after a demo or a call. We do not print a figure the vendor does not publish.
Do I need client consent before texting clients or letting AI answer calls?
Yes. Automated texts fall under the Telephone Consumer Protection Act (TCPA), so you need prior consent before you text a client with a tool like GloveBox or Podium. An AI voice agent such as Sonant should also disclose that the caller is speaking with AI. Confirm your consent and disclosure setup with your own compliance or legal help before you turn any of it on.
Which system fits a one to three person agency?
A small independent P&C book usually starts with HawkSoft for management, or EZLynx if you also want comparative rating in the same system. AMS360 and Applied Epic are built for larger, growing, or multi-location agencies and are more than a one to three person office needs. Add a client tool like GloveBox or Sonant later, once the core system is running.
Sources: tool details and pricing status confirmed from each vendor's own website -- HawkSoft, EZLynx, AMS360 (Vertafore), Applied Epic (Applied Systems), Tarmika, GloveBox, Podium, and Sonant -- checked 2026-07-29. GloveBox is paid from about $150/mo and Podium from about $399/mo; the other six are quote-based and publish no figure. Confirm current pricing and features with each vendor. Nothing here is legal, compliance, or insurance advice. Last reviewed: 2026-07-29.
Published by AI Help for Insurance Agents, part of The Agentic AI Index -- an independent directory of AI tools and local consultants. It is free to use. We earn nothing on the tools or local pros we point you to. We refer; we do not endorse or certify vendors.
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