AI receptionists for insurance agencies, ranked on the quote call
GreetKeeper is our product, and it ranks first for an insurance agency on one test: a quote caller who reaches it gets the vehicle, driver and current-carrier details captured and a callback booked, at $49 a month with the overage printed at $0.45 a call.
Shoppers ring three or four agencies in one sitting and buy from whoever picks up with a number. An assistant that captures what your producer needs to quote, then books the callback into the producer's calendar, keeps you on that list. GreetKeeper does this on the entry plan, and every plan starts with a 14-day trial with no card.
Goodcall's unique-customer meter fits an agency with a busy service book. A policyholder who rings twice in a month about the same claim counts once, and the $0.50 overage per additional customer is on the page.
Smith.ai puts a trained human team behind its AI at $150 a month for the Pro plan, and Ruby answers with people from $250 for 50 minutes. Both suit an agency whose renewal calls are long and whose owner wants a person on the line for them.
The number to watch is the claims call. A distressed caller after a crash needs a person or a clear next step. GreetKeeper routes a claim by what the caller needs, transfers to the account manager you name, and tries a second number if the first one rings out.
How this was put together
Disclosure: GreetKeeper is our product. Compared in September 2026 on what an insurance agency's phone actually does, and every rival figure was read on that vendor's own pricing page.
What we compared
- Whether the assistant captures the details a producer needs to quote, and confirms them back.
- Whether a callback can be booked into the producer's calendar at the entry price.
- How a claims call is routed, and what happens when the named person does not pick up.
- The billing unit, because a renewal review that runs long should not cost four times a quick question.
- Published entry price, allowance and overage rate.
The shortlist at a glance
Billing unit first, because it decides more of the final bill than the headline price does.
| Charges by | Entry plan | After the allowance | |
|---|---|---|---|
| GreetKeeper | per answered call | $49/mo for 200 answered calls | $0.45 a call on Starter, published |
| Goodcall | per unique caller | Starter $79/mo ($66 annual) for 100 unique customers | $0.50 per additional unique customer, published |
| Smith.ai | per call | Free tier at $0 for 25 calls, then $3.00 a call | Published, and the per-call rate falls as the tier rises |
| Rosie | per minute | Professional $49/mo for 250 minutes | Not published |
| Ruby | per minute | $250/mo for 50 minutes | Not published on their pricing page |
| Dialzara | per minute | Business Lite $29/mo for 60 minutes | Published on every tier, from $0.48 a minute down to $0.35 |
Read from each vendor's own pricing page in September 2026.
GreetKeeper
Quote details captured and read back, the callback booked, at $49 with the overage printed.
Worth it for: An independent agency that wants every quote caller captured with the details a producer needs, and the callback on the producer's calendar before the caller dials the next agency.
Charges per answered call. Entry plan $49/mo for 200 answered calls. After the allowance: $0.45 a call on Starter, published.
Goodcall
One unit per policyholder, however often they ring, with the overage on the page.
Worth it for: An agency with a large service book where the same customers call repeatedly about one policy, since a repeat caller is one unit and minutes are uncapped.
Not for: An agency running separate personal-lines and commercial numbers, because pricing is per agent and each phone number is an agent at $79 for 100 unique customers.
Charges per unique caller. Entry plan Starter $79/mo ($66 annual) for 100 unique customers. After the allowance: $0.50 per additional unique customer, published.
Smith.ai
A trained human team behind the AI, priced per call from $150 for Pro.
Worth it for: An agency whose highest-value calls are long renewal reviews where the owner wants a person available on the line, and can pay near $2.00 a call for it.
Not for: A price-led agency. The Pro plan is $150 a month for 75 to 300 calls, and the free tier stops at 25 calls before the $3.00 rate applies.
Charges per call. Entry plan Free tier at $0 for 25 calls, then $3.00 a call. After the allowance: Published, and the per-call rate falls as the tier rises.
Rosie
The $49 anchor, with booking and transfer on the $149 plan above it.
Worth it for: A one-producer agency that wants quote inquiries captured for $49 a month and will make every callback itself.
Not for: Booking the callback or transferring a claims caller at the entry price, since both features sit on the $149 Scale tier, and the overage rate is not published.
Charges per minute. Entry plan Professional $49/mo for 250 minutes. After the allowance: Not published.
Ruby
People answering by the minute, from $250 for 50 minutes.
Worth it for: A boutique agency with few calls and large premiums, where a receptionist's voice is part of the service the client is paying for.
Not for: Any month with real quote volume. Fifty minutes covers roughly a dozen quote conversations, and the rate past that is not on the pricing page.
Charges per minute. Entry plan $250/mo for 50 minutes. After the allowance: Not published on their pricing page.
Dialzara
The lowest entry price on this page, metered by the minute.
Worth it for: A brand-new agency testing the category at $29 a month, with calls that are few and short.
Not for: Renewal season. The $29 plan covers 60 minutes, and a single thorough coverage review can use ten of them, with the next tier at $99.
Charges per minute. Entry plan Business Lite $29/mo for 60 minutes. After the allowance: Published on every tier, from $0.48 a minute down to $0.35.
How to choose for an insurance agency
Start with the quote call. If most of your inbound is new shoppers, the assistant must capture vehicle, driver, property and current-carrier details and confirm them back. GreetKeeper reads the name, number and time back before it books, and the answers to your intake questions arrive in every call summary.
Then look at the meter. A coverage review runs long, and Ruby's 50 minutes at $250 or Dialzara's 60 minutes at $29 price that length directly. GreetKeeper counts answered calls, so a twelve-minute renewal review and a one-minute address change cost the same.
Last, the claims call. A caller who has just had an accident needs to reach the person you name, and GreetKeeper transfers to that person, tries a second number you nominate if they do not answer, and texts the on-call person with the caller's details. Rosie sells its transfer on the $149 tier.
Our own pricing, in full
Including the rate after the allowance, which is the number most of this list leaves off.
| Plan | Monthly | Calls included | After that |
|---|---|---|---|
| StarterFor a single location taking calls one line at a time. | $49 | 200 | $0.45 per call |
| ProfessionalBooking, routing and transfers included, not an add-on. | $149 | 750 | $0.35 per call |
| ScaleFor busy phones and longer opening hours. | $349 | 2,000 | $0.25 per call |
The short version
- Booking is included on every tier. Rosie keeps booking and live transfer behind its $149 plan.
- The overage rate is on the pricing page. Rosie, Ruby, Slang and AnswerConnect do not publish theirs.
- Calls are counted, not minutes, so a long useful conversation costs the same as a short one.
Questions people ask about this list
Can an AI receptionist collect the details for an insurance quote?
Yes. GreetKeeper asks the intake questions you configure, such as vehicle year and model, drivers, current carrier and renewal date, and reads the answers back before it ends the call. Your producer gets them in the summary and in the webhook, ready to key into the rater.
What happens when a policyholder calls to report a claim?
The assistant routes by what the caller needs. A claim goes to the account manager you name, and if that line is not picked up it tries a second number. The caller's name, policy details and a short summary arrive by text to the on-call person, so nobody waits on a callback.
Does the callback land on the producer's calendar?
It does, on every GreetKeeper plan, including the $49 one. The assistant reads real availability from Google Calendar or Outlook and writes the callback as an event during the call. Rosie keeps booking on its $149 tier.
Why does GreetKeeper rank itself first for insurance agencies?
Because the criteria are published above and the facts are checkable: booking on every tier, intake answers in every summary, and the overage rate printed at $0.45 a call. Rosie and Ruby publish no overage rate on their pricing pages, and every plan starts with a 14-day trial with no card.
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