Quick Overview
- 1#1: EZLynx - Delivers comparative real-time insurance quotes from multiple carriers for personal, commercial, and benefits lines.
- 2#2: Bold Penguin - Provides instant API-driven comparative quotes for small business and commercial insurance.
- 3#3: Tarmika - Offers a powerful commercial property and casualty quoting and rating engine for insurers and agents.
- 4#4: HawkSoft - Integrates multi-carrier quoting and comparative rating within a full agency management system.
- 5#5: Applied Epic - Supports seamless commercial and personal lines quoting integrated with comprehensive agency management.
- 6#6: PL Rating - Provides accurate personal lines rating and quoting engine for insurance agencies.
- 7#7: Semsee - Uses AI to automate and accelerate insurance quoting and agency workflows.
- 8#8: Insly - Enables fast online quoting, policy issuance, and management for MGAs and insurers.
- 9#9: AgencyBloc - Offers quoting, enrollment, and CRM tools tailored for health and life insurance brokers.
- 10#10: BindHQ - Facilitates digital quoting, binding, and collaboration for wholesale and specialty insurance lines.
These tools were selected based on functionality, user-friendliness, integration strength, and value, ensuring they deliver robust solutions across personal, commercial, and specialized insurance sectors.
Comparison Table
Insurance quotation software simplifies quoting workflows, and selecting the right tool demands evaluating features, usability, and fit. This comparison table details top options like EZLynx, Bold Penguin, Tarmika, HawkSoft, Applied Epic, and more, enabling readers to identify tools that align with their operational needs, integration requirements, and goals.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | EZLynx Delivers comparative real-time insurance quotes from multiple carriers for personal, commercial, and benefits lines. | enterprise | 9.6/10 | 9.8/10 | 9.1/10 | 9.3/10 |
| 2 | Bold Penguin Provides instant API-driven comparative quotes for small business and commercial insurance. | specialized | 9.1/10 | 9.4/10 | 8.7/10 | 8.8/10 |
| 3 | Tarmika Offers a powerful commercial property and casualty quoting and rating engine for insurers and agents. | enterprise | 8.4/10 | 9.2/10 | 7.8/10 | 8.0/10 |
| 4 | HawkSoft Integrates multi-carrier quoting and comparative rating within a full agency management system. | enterprise | 8.4/10 | 9.2/10 | 7.6/10 | 8.0/10 |
| 5 | Applied Epic Supports seamless commercial and personal lines quoting integrated with comprehensive agency management. | enterprise | 8.6/10 | 9.3/10 | 7.4/10 | 8.1/10 |
| 6 | PL Rating Provides accurate personal lines rating and quoting engine for insurance agencies. | enterprise | 7.8/10 | 8.5/10 | 7.2/10 | 7.4/10 |
| 7 | Semsee Uses AI to automate and accelerate insurance quoting and agency workflows. | specialized | 7.4/10 | 7.8/10 | 8.6/10 | 6.9/10 |
| 8 | Insly Enables fast online quoting, policy issuance, and management for MGAs and insurers. | enterprise | 8.4/10 | 9.1/10 | 7.7/10 | 8.0/10 |
| 9 | AgencyBloc Offers quoting, enrollment, and CRM tools tailored for health and life insurance brokers. | specialized | 8.3/10 | 8.7/10 | 8.1/10 | 7.9/10 |
| 10 | BindHQ Facilitates digital quoting, binding, and collaboration for wholesale and specialty insurance lines. | specialized | 7.8/10 | 8.2/10 | 7.9/10 | 7.4/10 |
Delivers comparative real-time insurance quotes from multiple carriers for personal, commercial, and benefits lines.
Provides instant API-driven comparative quotes for small business and commercial insurance.
Offers a powerful commercial property and casualty quoting and rating engine for insurers and agents.
Integrates multi-carrier quoting and comparative rating within a full agency management system.
Supports seamless commercial and personal lines quoting integrated with comprehensive agency management.
Provides accurate personal lines rating and quoting engine for insurance agencies.
Uses AI to automate and accelerate insurance quoting and agency workflows.
Enables fast online quoting, policy issuance, and management for MGAs and insurers.
Offers quoting, enrollment, and CRM tools tailored for health and life insurance brokers.
Facilitates digital quoting, binding, and collaboration for wholesale and specialty insurance lines.
EZLynx
enterpriseDelivers comparative real-time insurance quotes from multiple carriers for personal, commercial, and benefits lines.
Real-time Comparative Rater delivering side-by-side quotes from hundreds of carriers in seconds
EZLynx is a leading all-in-one insurance agency management system designed for efficient quoting, rating, and policy management across personal, commercial, and life/health lines. It provides real-time comparative quoting from over 400 carrier integrations, streamlining the process for agents to deliver competitive options quickly. The platform also includes CRM, workflows, reporting, and mobile access to support comprehensive agency operations.
Pros
- Extensive integrations with 400+ carriers for instant comparative quoting
- Robust automation and workflow tools reducing manual data entry
- Comprehensive reporting and analytics for agency insights
Cons
- Steep initial learning curve for complex features
- Pricing can be high for very small agencies
- Interface feels dated compared to newer SaaS platforms
Best For
Mid-sized to large independent insurance agencies needing scalable quoting and full agency management.
Pricing
Custom enterprise pricing based on users, modules, and agency size; typically $100-$250 per user/month with implementation fees.
Bold Penguin
specializedProvides instant API-driven comparative quotes for small business and commercial insurance.
Proprietary Lightning Engine that delivers side-by-side quotes from 200+ carriers instantly with high accuracy.
Bold Penguin is a leading comparative rating platform designed for insurance agencies to generate quotes from multiple carriers simultaneously. It supports personal lines like auto, home, and renters, as well as commercial lines, providing real-time comparisons and presentation tools for agents. The software integrates with agency management systems (AMS) and CRMs to streamline workflows and improve client conversions.
Pros
- Multi-carrier quoting from over 200 providers in seconds
- Robust support for both personal and commercial lines
- Seamless integrations with major AMS like EZLynx and AMS360
Cons
- Pricing requires custom quotes and can be higher for small agencies
- Primarily US-focused with limited international carrier support
- Steep initial learning curve for advanced commercial quoting
Best For
Mid-to-large insurance agencies needing fast, accurate multi-carrier comparisons to boost quoting efficiency.
Pricing
Custom subscription pricing based on agency size, quote volume, and lines of business; typically starts at $100-300 per user/month with per-quote options available.
Tarmika
enterpriseOffers a powerful commercial property and casualty quoting and rating engine for insurers and agents.
Deep integration with Verisk's casualty analytics for predictive risk pricing beyond standard rating engines
Tarmika by Verisk is a specialized insurance rating and quoting platform tailored for commercial property lines, automating the creation of accurate quotes using Verisk's extensive casualty data and analytics. It streamlines underwriting workflows with tools for risk assessment, premium calculation, and compliance with ISO forms. The software integrates seamlessly with agency management systems, enabling faster quote turnaround and data-driven decision-making for insurers.
Pros
- Leverages Verisk's proprietary data for highly accurate risk modeling and premium calculations
- Comprehensive automation of quoting workflows reduces manual errors and speeds up processes
- Strong compliance tools with up-to-date ISO forms library
Cons
- Primarily focused on commercial property, limiting versatility for other lines
- Steep learning curve for users without insurance domain expertise
- Enterprise-level pricing may be prohibitive for smaller agencies
Best For
Mid-to-large commercial property insurers needing precise, data-driven quoting automation.
Pricing
Custom enterprise licensing, typically subscription-based starting at $50,000+ annually depending on volume and modules.
HawkSoft
enterpriseIntegrates multi-carrier quoting and comparative rating within a full agency management system.
Integrated comparative rater with direct access to quotes from 100+ carriers
HawkSoft is a comprehensive agency management system (AMS) tailored for independent insurance agencies, offering robust insurance quotation capabilities through its integrated comparative rater. It enables real-time quoting from multiple carriers, policy management, client relationship tracking, and automated workflows. The platform supports end-to-end agency operations, from new business quoting to renewals and servicing.
Pros
- Deep carrier integrations for seamless quoting and policy downloads
- Comprehensive AMS features beyond just quoting, including imaging and accounting
- Reliable customer support with high user satisfaction
Cons
- Dated user interface that feels less modern
- Pricing can be high for smaller agencies
- Limited native mobile app functionality
Best For
Mid-sized independent insurance agencies seeking an all-in-one AMS with strong quoting integrations.
Pricing
Custom pricing per user/month, typically $100-$200 depending on agency size and modules; contact for quote.
Applied Epic
enterpriseSupports seamless commercial and personal lines quoting integrated with comprehensive agency management.
Epic Comparative Rater for real-time, multi-carrier quoting across personal and commercial lines in one interface
Applied Epic is a comprehensive cloud-based agency management system designed for insurance brokerages and agencies, with robust quoting capabilities powered by integrated comparative rating engines. It enables users to generate quotes across multiple lines of business from hundreds of carriers in a single platform, streamlining the process from quote to policy issuance. Beyond quoting, it offers end-to-end tools for client management, workflows, accounting, and reporting, making it a full operational hub.
Pros
- Deep integration with over 600 carriers for fast comparative quoting
- Advanced automation and workflow customization
- Scalable for enterprise-level agencies with robust reporting
Cons
- Steep learning curve due to extensive features
- High implementation and ongoing costs
- Can feel overwhelming for smaller agencies or simple quoting needs
Best For
Mid-to-large insurance agencies needing an all-in-one platform for quoting, policy management, and operations.
Pricing
Custom enterprise pricing, typically starting at $5,000+ per month based on agency size, users, and modules; includes implementation fees.
PL Rating
enterpriseProvides accurate personal lines rating and quoting engine for insurance agencies.
Advanced comparative rater that pulls real-time rates from dozens of carriers in one interface
PL Rating by Vertafore is a robust rating engine tailored for personal lines insurance, automating accurate quotes for auto, homeowners, and other policies across multiple carriers. It integrates deeply with Vertafore's agency management systems like AMS360 and PL Policy, streamlining workflows from quoting to binding. Designed for insurance agencies, it handles complex rating rules and comparative shopping to enhance agent productivity.
Pros
- Highly accurate multi-carrier rating engine with extensive carrier support
- Seamless integration with Vertafore ecosystem for end-to-end workflows
- Robust compliance tools and rule-based automation reducing manual errors
Cons
- Steep learning curve for new users due to dense interface
- Higher pricing suitable mainly for mid-to-large agencies
- Limited standalone mobile quoting capabilities
Best For
Mid-sized to large insurance agencies already using Vertafore systems that need reliable personal lines rating at scale.
Pricing
Custom enterprise pricing; typically $100-$300 per user/month based on agency size, volume, and modules, with annual contracts.
Semsee
specializedUses AI to automate and accelerate insurance quoting and agency workflows.
Real-time proposal engagement analytics that reveal exactly when and how prospects interact with quotes
Semsee is a sales enablement platform designed specifically for insurance brokers, focusing on creating professional quotes and proposals with customizable templates and agency branding. It streamlines the presentation of insurance quotations by allowing users to build visually appealing documents quickly and track client engagement in real-time. While it excels in sales closing tools like e-signatures and analytics, it relies on manual input for quote data rather than automated rating engines.
Pros
- Intuitive drag-and-drop builder for stunning, branded proposals
- Real-time engagement tracking to prioritize hot leads
- Mobile-friendly access for on-the-go quote management
Cons
- No built-in insurance rating engine or automated quoting
- Limited native integrations with major carriers or CRMs
- Pricing escalates quickly for teams needing advanced analytics
Best For
Small to mid-sized insurance brokerages focused on enhancing proposal presentation and sales follow-up rather than complex automated quoting.
Pricing
Starts at $49/user/month for basic plans, up to $99/user/month for premium features with custom enterprise pricing available.
Insly
enterpriseEnables fast online quoting, policy issuance, and management for MGAs and insurers.
White-label, fully customizable client and broker portals for branded, self-service experiences
Insly is a cloud-based insurance management platform tailored for insurers, MGAs, and brokers, enabling efficient quote generation across multiple product lines including life, non-life, and specialty risks. It streamlines the full policy lifecycle from quoting and binding to renewals, claims handling, and client servicing through automation and digital workflows. The solution emphasizes customization, compliance, and scalability with features like white-label portals and API integrations for seamless operations.
Pros
- Comprehensive end-to-end insurance lifecycle management including advanced quoting engines
- Highly customizable with white-label client and broker portals
- Robust compliance tools and multi-currency/language support for global operations
Cons
- Steeper learning curve and longer implementation for complex setups
- Custom pricing lacks transparency and can be costly for smaller brokers
- Fewer out-of-the-box integrations compared to some broker-focused competitors
Best For
Mid-sized insurance carriers and MGAs seeking a scalable, all-in-one platform for digitalizing quoting and policy administration.
Pricing
Custom quote-based pricing starting around €1,000/month, scaled by users, policies, and modules selected.
AgencyBloc
specializedOffers quoting, enrollment, and CRM tools tailored for health and life insurance brokers.
Integrated Medicare Advantage quoting and e-enrollment directly with carriers like Humana and UnitedHealthcare
AgencyBloc is a specialized CRM and agency management platform tailored for life, health, and Medicare insurance agencies. It facilitates efficient client management, multi-carrier quoting, enrollment automation, and compliance tracking. The software integrates quoting engines from major carriers, streamlines workflows, and provides analytics to boost agency productivity.
Pros
- Deep insurance industry specialization with Medicare-focused tools
- Seamless multi-carrier quoting and enrollment integrations
- Robust compliance and reporting features for regulatory needs
Cons
- Primarily suited for life/health agencies, less versatile for P&C
- Custom pricing can be opaque and higher for smaller teams
- Initial setup and learning curve for advanced customizations
Best For
Medicare and health insurance agencies seeking an integrated CRM with advanced quoting and compliance capabilities.
Pricing
Custom quotes based on agency size and users; typically starts at $99/user/month with enterprise options.
BindHQ
specializedFacilitates digital quoting, binding, and collaboration for wholesale and specialty insurance lines.
BindHQ Marketplace for real-time quotes from 20+ commercial carriers in seconds
BindHQ is a cloud-based platform tailored for insurance brokers, specializing in commercial lines quotation and binding. It enables rapid multi-carrier quoting, professional proposal generation, and seamless digital policy binding. The software integrates market data and carrier appetites to streamline the broker workflow from submission to placement.
Pros
- Multi-carrier instant quoting for commercial lines
- Digital binding and e-signatures for faster placements
- Integrated proposal builder with customizable templates
Cons
- Limited support for personal lines insurance
- Steep learning curve for advanced customizations
- Pricing can be high for small brokerages
Best For
Mid-sized commercial insurance brokerages looking to accelerate quoting and binding processes across multiple carriers.
Pricing
Subscription-based pricing starting at around $99/user/month, with enterprise plans customized by agency size and volume.
Conclusion
The top insurance quotation tools highlight diverse strengths, with EZLynx leading by offering real-time, multi-carrier quotes across personal, commercial, and benefits lines. Bold Penguin excels in instant API-driven quotes for small business and commercial clients, while Tarmika stands out with a powerful commercial property and casualty engine, each catering to distinct needs.
Take the first step toward efficient quoting by exploring EZLynx, the top-ranked tool, to elevate your agency's performance and client services.
Tools Reviewed
All tools were independently evaluated for this comparison