Insurance companies are increasingly turning to automation to streamline their quoting processes, improve accuracy, and reduce the time it takes to deliver quotes to customers.
With manual systems and outdated technology leading to inefficiency, insurance providers must find modern solutions that not only address these challenges but also ensure compliance and improve customer satisfaction.
In this article, we’ll explore the top insurance quote automation software in 2025, highlighting their key features, strengths, and what makes them suitable for different business needs.
Key features of insurance quoting software
When evaluating insurance quote automation software, the following features are crucial for a solution to be effective:
A no-code platform allows business users—without programming skills—to automate processes, design workflows, and make modifications as needed. This feature is essential for companies looking to reduce reliance on IT teams and accelerate the time it takes to automate quoting processes.
By empowering business users to take control, insurers can achieve faster rollouts of automation solutions.
Insurance quoting software needs to ensure that quotes comply with all relevant regulations, like GDPR, DORA, and HIPAA.
Built-in compliance tracking features help insurance companies meet industry standards, track legislative changes, and ensure that no regulatory requirements are overlooked. Compliance features also help mitigate risks associated with non-compliance, reducing legal exposure for insurers.
Integrating with existing CRM systems, policy management tools, and other data sources is crucial for ensuring the accuracy of quotes.
Additionally, real-time data syncing ensures that all information used to generate quotes is up-to-date and consistent across platforms. This reduces the likelihood of discrepancies and errors in quoting, which can harm both the client experience and compliance status.
The ability to customize workflows is key to handling the diverse nature of insurance quoting processes. Whether an insurer is handling personal lines, commercial policies, or complex health insurance plans, the software should be adaptable.
Watch this demo to see how you can create a seamless insurance renewal process using FlowForma.
AI-powered insights use machine learning and predictive analytics to enhance the quoting process. These tools analyze historical data, risk factors, and client preferences to generate more accurate quotes and improve pricing strategies.
Real-time recommendations can help insurers identify the most competitive rates while assessing risks more efficiently, leading to better decision-making and increased profitability.
The right tools for insurance quoting bring numerous benefits to insurers and their clients. Some advantages include:
Automated insurance quoting tools provide precise and consistent quotes, minimizing human errors and ensuring that clients receive accurate pricing based on the most current information.
For businesses dealing with complex commercial lines, quoting automation can simplify the process significantly. Automation software handles multiple coverage options, integrates data from several carriers, and ensures that the correct policies are selected.
This reduces the time agents spend on manual processes, lowers the chance of errors, and ensures that all necessary steps are followed, which is critical in commercial insurance.
By providing quicker quotes, personalized service, and more transparent pricing, automation software greatly enhances the customer experience.
Clients can receive immediate quotes, review policy options faster, and interact with the insurer at their convenience. This leads to greater client satisfaction, stronger relationships, and increased loyalty, as clients are more likely to return to insurers who prioritize efficient and transparent service.
Security features like data encryption, access controls, and built-in compliance tracking ensure that client data is protected and regulatory standards are met.
With tools like FlowForma, IT and other business leaders can host their data in their own SharePoint tenancy, enhancing security.
Automating the quoting process and other administrative tasks can lead to significant cost savings.
By eliminating repetitive manual tasks, insurers can reduce the need for staff to handle these activities, allowing them to reallocate resources to more strategic functions. In addition, the increased speed and accuracy of quoting result in more efficient operations and faster revenue generation, leading to a positive impact on the insurer’s bottom line.
Before we go into the intricacies of each tool, here’s a quick bird's-eye view of the top insurance quoting systems.
|
Tool |
Best For |
Key Strength |
Pricing |
|
FlowForma |
No-code quote workflows for regulated environments |
Simple design, compliance tracking, seamless integration with Microsoft 365 |
Process-based pricing |
|
Salesforce Industries for Insurance |
Large insurers with CRM tie-ins |
Integration with Salesforce CRM, customizable quoting workflows |
Based on the Salesforce pricing model |
|
Zywave CPQ for Insurance |
Commercial P&C insurance quoting |
Agent portals and scalable quote generation |
Subscription-based with tiered pricing |
|
Nintex |
High-scale quote document routing |
Workflow automation with document generation capabilities |
Custom pricing based on scale and features |
|
Power Apps + Power Automate |
Custom-built apps within Microsoft environments |
Integration with Microsoft tools for highly customizable workflows |
Microsoft subscription model |
|
Tarmika (Applied Systems) |
Multi-carrier small business quoting in the US |
Multi-carrier quoting integration, instant quotes |
Per-user subscription model |
|
InsureCert |
MGAs and brokers offering instant quotes |
Instant quote-bind-issue process, API access |
Subscription model based on usage |
|
AgentSync |
Automating license checks and producer data |
Efficient management of producer data in quoting workflows |
Custom pricing based on business needs |
|
CoverGo |
Low-code API-driven quote workflows for health and life insurance |
API integration, flexible quoting workflows for health and life insurers |
Subscription-based pricing |
Let us now examine the 9 best insurance quotation software in detail, weighing their key features, pros, and cons.
FlowForma is an AI-powered, no-code platform that can streamline and automate complex insurance workflows. It is especially suited for highly regulated insurance sectors, including life and health insurance, where compliance, auditability, and process transparency are critical to operations.
FlowForma allows users to create automated processes without requiring IT support, empowering business users to design, implement, and manage their workflows.
FlowForma leverages AI Copilot, Discovery Agent, and Agentic AI to automate insurance quoting workflows.
AI Copilot helps insurance teams build and configure complex workflows without IT support, mapping approvals, validations, and pricing rules. For instance, watch this demo to see how AI Copilot helps in the creation of an insurance underwriting workflow.
Discovery Agent captures processes from meetings, calls, and daily operations, turning discussions on policy requirements and underwriting into ready-to-review workflows, ensuring no steps are missed.
FlowForma’s discovery agent
In addition, Agentic AI provides context-aware decisions, automatically validating data and flagging unusual submissions, helping insurers generate faster, accurate, and compliant quotes.
These AI features streamline insurance quoting, reduce errors, improve compliance, and accelerate turnaround times.
Compliance is critical in insurance, particularly when dealing with regulated products and multiple jurisdictions. FlowForma provides built-in compliance tracking, ensuring that every step in the insurance quoting workflow adheres to company policies and regulatory requirements.
Aon, a leading insurance company, used FlowForma to automate workflows and manage compliance across insurance operations.
Key processes automated include HR onboarding, GDPR requests, insurance vetting, internal transfers, and complaints management.
Aon Case Study Overview
FlowForma’s no-code platform enabled rapid deployment, replacing clunky SharePoint workflows and manual paperwork, while providing audit-ready, centralized data.
FlowForma integrates natively with Microsoft 365 and SharePoint Online, enabling insurance teams to manage approvals, share documents, and collaborate directly within familiar Microsoft tools. This ensures workflows remain connected and data flows seamlessly across systems, reducing duplication and manual effort.
FlowForma automatically generates documents based on the data captured during the quoting workflow. Quotes, contracts, terms and conditions, and other client-facing documents are instantly produced, eliminating the need for manual drafting.
Agents can deliver fully documented quotes to clients in real time, improving customer satisfaction and operational efficiency while reducing administrative overhead.
Security is critical for insurers handling sensitive client information. FlowForma ensures enterprise-grade protection by storing all data within the user’s SharePoint tenancy, giving organizations full control, data sovereignty, and compliance.
Client information is encrypted, and role-based access controls ensure only authorized personnel can view or edit sensitive data. Built-in security features also support regulatory compliance with GDPR, FCA, and other industry standards, minimizing legal and operational risks.
FlowForma offers a tiered, process-based pricing structure. This empowers businesses to scale their quoting automation process and other business processes with predictable pricing. See the complete pricing breakdown here.
Salesforce for financial services provides an advanced automation platform that integrates with Salesforce CRM. It enables large insurance organizations to dynamically generate personalized quotes based on real-time customer and policy data.
This solution is best suited for large insurers who already use Salesforce for customer management and require extensive customization.
Zywave is designed to automate quoting processes for commercial property and casualty (P&C) insurers. It offers agent portals and scalable quote generation, allowing insurers to customize quotes based on client needs and data.
Nintex offers a comprehensive process automation tool that includes features for automating document routing and generation. This tool is particularly useful for insurance agencies that need to handle a high volume of quotes and associated documentation.
Power Apps and Power Automate offer a customizable automation solution for organizations already within the Microsoft ecosystem. These tools allow users to build and automate insurance quoting apps while integrating seamlessly with Microsoft systems like SharePoint and Dynamics.
Tarmika is a versatile quoting tool designed for small businesses in the U.S. It integrates with multiple carriers and provides instant quotes, making it ideal for small insurers who work with several carriers and need a fast, efficient quoting solution.
InsureCert is a specialized quoting tool for managing general agents (MGAs) and brokers. It offers an instant quote-bind-issue process, enabling brokers to provide customers with immediate, personalized quotes.
AgentSync automates the management of producer data and license checks within the quoting workflow. It is perfect for insurers looking to streamline their compliance and regulatory processes while managing agent data effectively.
CoverGo offers a flexible, low-code platform for automating insurance quoting, with an emphasis on life and healthcare insurance. Its API-driven workflows allow insurers to integrate and automate quoting across multiple insurance products quickly.
Insurance quote automation software helps businesses streamline their operations, enhance customer satisfaction, and maintain compliance with industry regulations.
FlowForma stands out for its no-code approach, AI-powered features, data encryption, and seamless integration with Microsoft 365, making it an ideal choice for regulated industries.
To see how FlowForma can optimize your quoting process, book a demo today.
Insurance quote automation software automates the generation of quotes by integrating with data sources and applying pricing rules, improving accuracy and speed while reducing human error.
AI enhances insurance quoting by automatically verifying data, detecting inconsistencies or potential fraud, and generating personalized quotes based on individual client profiles.
This results in more accurate pricing, faster processing, and a tailored customer experience.