Quo review for insurance agents: pricing, dialing and compliance
Quo, formerly OpenPhone, is a business phone and texting app built around shared numbers. A whole front office can answer one line and work one text inbox.
Business is the plan most agencies need, for phone menus, automatic recording and CRM logging.
- Best for
- Front offices that share one number for calls and texts and don't need a dialer
- Type
- Shared-inbox business phone and texting
- Price
- From $15 a user per month, billed yearly
- Dialing
- Manual and click-to-call. Auto-dialers are banned
- Texting
- Unlimited US and Canada texts from the app after registration
- Recording
- Manual on every plan, automatic on Business and Scale
- CRM connections
- HubSpot, Salesforce, Pipedrive and Zoho on Business and Scale
- Free trial
- 7 days
Our take
Quo is a good front-office phone. Shared numbers, unlimited app texting and clean CRM logging make it easy for a small team to answer clients.
It is not a dialer. Its fair use rules ban auto-dialers and cold calling, so producers working lead lists need something else.
There are no compliance tools. Opt-outs do carry across all of the account's numbers.
Pros
- Shared numbers and a team text inbox
- Unlimited app texting in the US and Canada
- Free port-in and port-out
- Text opt-outs apply across every number
- Low yearly prices
Cons
- Auto-dialers and cold calling are banned
- No Do Not Call scrub or calling-hour limits
- Recordings download one at a time
- No agency system connection
- No live listen-in coaching
Plans and pricing
| Plan | Billed yearly | Billed monthly | What it adds |
|---|---|---|---|
| StarterSolo agents and small offices | $15 | $19 | A number per user, calling, texting, manual recording and the API |
| BusinessAgencies with a CRMWhere most agents start | $23 | $33 | Phone menus, automatic recording, AI summaries, analytics and CRM links |
| ScaleLarger teams | $35 | $47 | AI call tags and onboarding help |
Prices are per paid user each month, as of October 2026, from Quo's pricing page. A Starter shared number allows up to 10 paid users.
What it would cost you
Cost per month
First-year cost
Cost per live call
Uses the seat prices in the table. Extra numbers, automated texts, the Sona AI answering add-on and texting registration are extra.
Good to know before you buy
- One number is included per user. More cost $5 a month each.
- Texts sent through the API, Zapier or Make cost $0.01 each.
- Fees are generally non-refundable.
- Sona AI answering runs $25 to $199 a month after a free tier.
Texting registration fees
| Item | Price |
|---|---|
| Brand registration | $19.50 once |
| Campaign | $1.50 to $3 a month |
| Resubmission | $15 each |
| Toll-free verification | Free |
Which plan has it
| Feature | Starter | Business | Scale |
|---|---|---|---|
| Calling and texting | |||
| Shared numbers | Up to 10 users | Up to 100 members | Up to 100 members |
| Manual recording | |||
| Automatic recording | |||
| Phone menus | |||
| AI summaries of recorded calls | Sona calls only | ||
| Analytics | |||
| HubSpot and Salesforce | |||
| AI tags | |||
| API |
Dialing modes
| Mode | What it does | Lines per agent | Plan |
|---|---|---|---|
| Manual dialing | Dial from the app on desktop or phone | 1 | All plans |
| Click-to-call | Dial from a link or connected app | 1 | All plans |
- Auto-dialing
- Banned by Quo's fair use rules, along with bots and cold calling
- Calls at once
- One per person, with call waiting for a second inbound call
Inbound calls and transfers
Quo's strength is the shared inbox. Several people answer one number, see the same texts and route calls through menus and ring groups.
- Routing
- Business hours, phone menu, ring groups, forwarding and Sona AI answering
- Queues
- Ring all, random batches or custom groups. No queue wait reports
- Phone menu
- Business and Scale, with several levels
- Transfers
- Warm and cold, to teammates or outside numbers
Phone numbers and spam labels
- Who supplies numbers
- Quo, through Twilio
- Porting in
- Free from Quo. Your old carrier may charge
- Taking numbers with you
- Free on a paid account, in 1 to 14 days. Not during the trial
- Bring your own carrier
- Not offered
- Call signing (STIR/SHAKEN)
- Registered for business customers with a tax ID
- Spam label monitoring
- Trust Center walks you through Free Caller Registry. Quo helps with fixes but can't promise removal
- Caller name
- Up to 15 characters on US local numbers after texting approval
Do Not Call, calling hours and consent
- National Do Not Call list
- Not scrubbed. Fair use bars calling registered numbers
- Your own do-not-call list
- Contact blocking
- Calling hours
- Inbound business hours only. Fair use bars quiet-hour calls
- Consent records
- Kept by you
- Opt-outs
- STOP and similar words block texts from every Quo number on the account
Rules without tools Quo's fair use policy bans the calls that get agents in trouble, but nothing in the product enforces it. Scrub and track consent yourself.
Texting and registration
- Plans with texting
- Every plan. Unlimited from the app in the US and Canada
- Pictures
- Yes, with group texts of up to 9 people
- Carrier registration
- Quo files the 10DLC registration (US carrier registration for business texting) from your legal name, tax ID and opt-in wording
- Sole proprietors
- One number with daily caps
- Toll-free texting
- Free verification, in 2 to 3 weeks
- Opt-out words
- STOP, STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT
Call recording and Medicare
- Recording
- Manual on every plan. Automatic per number on Business and Scale
- Recording notice
- A voice message, a tone or none
- How long it's kept
- While the account is open
- Export
- One at a time on web, desktop and Android. The CSV export leaves recordings out
- Transcripts
- AI transcripts and summaries on Business and Scale
- After you cancel
- Data is kept only briefly. A full download is billable
CMS's 2027 plan-year rule asks for six years of Medicare sales calls on file. Quo keeps recordings while you stay, but with one-at-a-time downloads an archive takes planning.
CRM and agency system connections
| Connects to | Type | How | What moves |
|---|---|---|---|
| HubSpot | CRM | Built in | Contacts both ways. Calls, texts, recordings and summaries logged |
| Salesforce | CRM | Built in | Tasks with a recording link and summary |
| Pipedrive | CRM | Built in | Calls and texts |
| Zoho | CRM | Built in | Calls and texts |
| Gong | Coaching | Built in | Recorded calls |
| Zapier and Make | Automation | Zapier | Links to agency systems. Automated texts are billed per message |
| API and webhooks | Automation | API | Calls, texts and contacts |
CRM links need Business or Scale. No agency management system connects directly. Zapier is billed separately.
Reporting and coaching
Reports
- Analytics on Business and Scale
- Call views
- CSV export of contacts, calls and texts
Coaching
- After-call review with AI summaries
- AI tags on Scale
- No live listen or whisper
Getting started
Start the trial
Seven days on a published plan. Port-outs wait until you pay.
Port your numbers
Send the transfer details. Moves take 1 to 14 days.
Register for texting
Add your legal name, tax ID and opt-in wording in Trust Center.
Set up the shared inbox
Add teammates, menus and business hours.
Connect the CRM
Turn on HubSpot or Salesforce on Business.
Support by email and a help center. Scale adds onboarding help.
Contract and canceling
- Term
- Monthly or yearly, self-serve
- Renewal
- Order forms renew unless you give 30 days' notice
- Refunds
- Generally none
- Canceling
- In the app. Service runs to the end of the paid period
- Your numbers
- Port out first. Texting registration ends after 30 days canceled
- Your data
- Export before canceling, since the CSV skips recordings
Terms as of October 2026, from Quo's terms and help center.
What users say
What reviewers say most often, as of October 2026.
What users like
- Ease of use
- Shared inbox
- Call quality
What users dislike
- Support friction when accounts are flagged
- VoIP drops
- Limited contact-center depth
- Cost creep from numbers, Sona and 10DLC
- No power dialer
Quo alternatives
- AircallFrom $30 a user per month, billed yearly, 3-user minimumPhone system with a power dialer
- JustCallFrom $29 a user per month, billed yearly, 2-user minimumPhone and texting with predictive dialing on SalesPro
- NextivaFrom $15 a user per month, billed yearlyPhones plus a contact center with consent records
- DialpadFrom $15 a user per month, billed yearlyPhones with a separate sales dialer
- Phone.comPer user, prices on its sitePhones with unlimited texting on Plus and Pro
See every option in insurance dialers.
Frequently asked questions
How much does Quo cost?
Starter is $15, Business $23 and Scale $35 a user per month billed yearly. Monthly billing runs $19 to $47.
Does Quo have a power dialer?
No. Its rules ban auto-dialers, so calls are manual or click-to-call.
Is Quo the same as OpenPhone?
Yes. OpenPhone renamed itself Quo in 2025.
Does Quo work with HubSpot?
Yes, on Business and Scale. Calls, texts and recordings log to the contact.
What does Quo texting registration cost?
$19.50 once for the brand, then $1.50 to $3 a month for the campaign.
How we researched this review. We based this review on the pricing, terms and product pages published by Quo, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Quo quit selling or a contract term that reads different now, let us know and send the link to the page where Quo has it. Somebody here pulls up that page and checks it before we change anything on ours.