Home / Shortlists / The best CRM for insurance agents in 2026
The best CRM for insurance agents in 2026
An insurance book lives on renewals, follow-ups and pipeline discipline - and most agents start this search when a spreadsheet stops remembering who to call. The four CRMs below cover the same job from $0/mo, and the real differences are who can sit in the tool for free and how the paid tiers bill each seat. Every number is read from the vendors' own pricing pages.
Prices last re-checked 2026-09-27. Numbers are read from each vendor's own pricing page; any exception is flagged under "What to watch".
Which one should you pick?
- Pick HubSpot if you want a free start. Visit HubSpot
- Pick GoHighLevel if you need the best CRM for insurance agencies that want the whole team on one bill. Visit GoHighLevel
- Pick Pipedrive if you live in the pipeline. Visit Pipedrive
Some buttons are affiliate links — how this works.
The short answer
Short answer: Best CRM for insurance agents who want a free start: HubSpot HubSpot is the free-start pick - HubSpot Free is $0/mo for up to two users and 1,000 contacts, a deal pipeline and contact management, so one person, or two, can run the book without a bill.
| Tool | Entry price | Best for |
|---|---|---|
| Starter | $97/mo | 3 sub-accounts, unlimited contacts, unlimited users, all core features |
| Unlimited | $297/mo | Unlimited sub-accounts, rebill phone & email at no markup, basic API |
| Agency Pro | $497/mo | SaaS mode, automated sub-account creation, rebill with markup, advanced API |
Prices checked 2026-09-27.
Best CRM for insurance agents who want a free start: HubSpot
HubSpot is the free-start pick - HubSpot Free is $0/mo for up to two users and 1,000 contacts, a deal pipeline and contact management, so one person, or two, can run the book without a bill. The first paid step is HubSpot Starter at $20/mo, or $15/mo billed annually, per seat. The trade-off: the paid tiers are per seat, and the marketing-contact limits are separate from your CRM contacts - read both numbers before comparing it to a flat-rate CRM.
See HubSpot pricingBest CRM for insurance agencies that want the whole team on one bill: GoHighLevel
GoHighLevel is the one-bill pick - GoHighLevel Starter is $97/mo for 3 sub-accounts, unlimited contacts and unlimited users, so a growing agency pays one number instead of a seat count. The trade-off: it is built for agencies and client work, it has no free plan, and the add-ons are billed per sub-account, so the sticker price is not always the whole price.
See GoHighLevel pricingBest CRM for insurance agents who live in the pipeline: Pipedrive
Pipedrive is the pipeline pick - Pipedrive Lite is $24/mo, or $14/mo billed annually, per seat, for lead, deal and activity management with 3,000 open deals and 10 pipelines. The trade-off: it is per seat, so a 5-person team pays five times the number shown, and there is no free plan.
See Pipedrive pricingThe prices, plan by plan
GoHighLevel
GoHighLevel is $97/mo Starter, $297/mo Unlimited and $497/mo Agency Pro, or $970 / $2,970 / $4,970 billed yearly. Every plan includes unlimited contacts and unlimited users. The cards say 14 days free. Billing starts on its own unless you cancel, and phone, text, email, and AI fees can apply during the trial.
| Plan | Price | What you get |
|---|---|---|
| Starter | $97/mo | 3 sub-accounts, unlimited contacts, unlimited users, all core features |
| Unlimited | $297/mo | Unlimited sub-accounts, rebill phone & email at no markup, basic API |
| Agency Pro | $497/mo | SaaS mode, automated sub-account creation, rebill with markup, advanced API |
| Enterprise | custom quote | Custom quote |
What to watch: Every plan price, annual total and add-on price on this page was read from gohighlevel.com/pricing itself. GoHighLevel does not publish a free plan. On 2026-10-11 the plan cards said 14 days free, and the page's own disclaimer said billing starts automatically unless you cancel, and phone, text, email, and AI usage fees can apply during the trial. Add-ons are extra. Some are billed per sub-account, some are a flat monthly fee, and WordPress hosting is per site. The same page also lists the certification program at $97 a month, online listings at $30 a month per sub-account, the premium prospecting tool at $29 a month per sub-account, and WordPress hosting from $10 a month per site. On 2026-10-12 the Unlimited card carried GoHighLevel's own Most Popular badge. This page does not treat that badge as a count of customers.
Source: https://www.gohighlevel.com/pricing, read 2026-10-19.
See GoHighLevel pricingHubSpot
HubSpot's free tools cover up to two users and up to 1,000 contacts. Sales Hub is then $20 per seat per month on Starter and $100 per seat per month on Professional, billed monthly. Professional requires a one-time onboarding fee of $1,500.
| Plan | Price | What you get |
|---|---|---|
| Free | $0/mo (no annual discount published) | Up to 2 users and up to 1,000 contacts, deal pipeline, contact management. The catalog's 1 million figure is for other standard objects, not contacts. |
| Starter | $20/mo, or $15/mo billed annually | Per seat. Simple automation, 2 paid seats, email tracking, 1,000 marketing contacts |
| Professional | $100/mo, or $90/mo billed annually | Per seat. Sequences, forecasting, custom reporting, 2,000 marketing contacts. Onboarding is required, a one-time fee of $1,500. |
| Enterprise | $150/mo (no annual discount published) | Per seat. Custom objects, predictive scoring, 10,000 marketing contacts |
Prices checked 2026-09-27.
What to watch: HubSpot's free tools are free, and they cap at two users and 1,000 contacts. The paid tiers are per seat. Sales Hub Professional requires a one-time onboarding fee of $1,500. Marketing-contact limits are separate from CRM contacts.
Source: https://www.hubspot.com/pricing/crm, read 2026-09-27.
See HubSpot pricingPipedrive
Pipedrive starts at $14 per seat per month on Lite, $39 on Growth, $59 on Premium and $79 on Ultimate, billed annually (US$168 / $468 / $708 / $948 per seat per year); monthly billing costs more. Each card offers a 14-day trial and says no credit card is required.
| Plan | Price | What you get |
|---|---|---|
| Lite | $24/mo, or $14/mo billed annually | Per seat. Lead, deal and activity management, 3,000 open deals, 10 pipelines. US$168 per seat/year billed annually. |
| Growth | $49/mo, or $39/mo billed annually | Per seat. Email sync, workflow automation, 100,000 open deals, 15 pipelines. US$468 per seat/year billed annually. |
| Premium | $79/mo, or $59/mo billed annually | Per seat. Revenue forecasts, team goals, projects, 30 pipelines. US$708 per seat/year billed annually. |
| Ultimate | $99/mo, or $79/mo billed annually | Per seat. Project templates, 5-minute sync, phone support, 100 pipelines. US$948 per seat/year billed annually. |
What to watch: Pipedrive prints the annual per-seat rate by default. On 2026-10-13 those cards still showed Lite $14, Growth $39, Premium $59 and Ultimate $79. The monthly toggle was not opened, so the monthly column stays the 2026-10-05 reading. Each card says a 14-day trial with no credit card. The Premium card carries Pipedrive's own Most Popular badge. This page does not treat that badge as a count of customers. Add-on starting prices were read on the annual view. Prices are per seat, so a 5-person team pays five times the seat rate.
Source: https://www.pipedrive.com/en/pricing, read 2026-10-05.
See Pipedrive pricingZoho CRM
Zoho CRM is free for up to 3 users, then $14 per user per month on Standard, $23 on Professional and $40 on Enterprise, billed annually. Ultimate is a custom quote; Zoho no longer prints a price for it.
| Plan | Price | What you get |
|---|---|---|
| Free | $0/mo (no annual discount published) | Up to 3 users, 5,000 records, basic lead and deal management |
| Standard | $20/mo, or $14/mo billed annually | Per user. 100,000 records, scoring rules, mass email, workflows |
| Professional | $35/mo, or $23/mo billed annually | Per user. SalesSignals, inventory management, 25,000 records per module |
| Enterprise | $50/mo, or $40/mo billed annually | Per user. CommandCenter, multi-user portals, custom modules, 100,000 records |
| Ultimate | custom quote | Bespoke deployments with the highest feature limits, consultation-based pricing (contact Zoho) |
Prices checked 2026-09-27.
What to watch: Zoho prints the annual per-user rate by default; the monthly-billing rates come from the page's monthly toggle. Zoho's free tier caps at 3 users, which is the lowest free-user cap in this cluster.
Source: https://www.zoho.com/crm/zohocrm-pricing.html, read 2026-10-05.
See Zoho CRM pricingQuestions people ask
What is the cheapest option here?
HubSpot is one of two free starts here - HubSpot Free is $0/mo for up to two users and 1,000 contacts, and Zoho CRM Free is $0/mo for up to 3 users and 5,000 records. GoHighLevel Starter is $97/mo, and Pipedrive Lite is $24/mo, or $14/mo billed annually, per seat.
Do any of these have a free plan?
Two do - HubSpot Free at $0/mo for up to two users and 1,000 contacts, and Zoho CRM Free at $0/mo for up to 3 users. GoHighLevel and Pipedrive are paid only: GoHighLevel Starter is $97/mo, and Pipedrive Lite is $24/mo, or $14/mo billed annually.
What will the first paid month cost?
Pipedrive Lite is $24/mo, or $14/mo billed annually, per seat. On annual billing that $14 ties Zoho CRM Standard. It is not the cheapest month-to-month seat. Zoho CRM Standard is $20/mo, or $14/mo billed annually, per user, and HubSpot Starter is $20/mo, or $15/mo billed annually, per seat. GoHighLevel Starter is $97/mo.
Which one keeps a whole insurance team on one bill?
GoHighLevel Starter is $97/mo for 3 sub-accounts with unlimited contacts and unlimited users - the only flat-rate option here. HubSpot and Zoho CRM bill per seat above their free tiers, and Pipedrive Lite is $24/mo per seat.
Which one is closest to a real sales pipeline on a budget?
Pipedrive is the pipeline pick - Pipedrive Lite is $24/mo, or $14/mo billed annually, per seat, for lead, deal and activity management with 10 pipelines. Zoho CRM Standard is $20/mo, or $14/mo billed annually, per user, and HubSpot Free is $0/mo with a deal pipeline.
When does an insurance agency outgrow the free plan?
When the team passes 3 users - Zoho CRM Free is $0/mo for up to 3 users and 5,000 records, and the paid step is Zoho CRM Standard at $20/mo, or $14/mo billed annually, per user. HubSpot Free at $0/mo holds up to two users, and the paid step is HubSpot Starter at $20/mo.
Some links on this page are affiliate links. If you buy through one we may earn a commission at no extra cost to you. We do not accept payment for placement, and the price tables are generated from the same dataset we re-check weekly. Full disclosure. How we check prices.