Ricochet360 review for insurance agencies: pricing, lead routing and integrations
Ricochet360 is a CRM, cloud phone system and dialer for teams that buy leads, insurance agencies among them. Leads post in by API, file or Zapier and drop straight into a live calling queue.
Plans are priced per user, with lower rates on a yearly contract. Farmers agencies get their own plans.
- Best for
- Agencies and call teams that buy leads and want CRM, phone, texting and dialing in one system
- Price
- From $20 a user per month, yearly contract
- Free trial
- Only when your service order includes one
- Lead intake
- Vendor posts to the API, CSV imports, Zapier and tracked inbound calls
- Assignment
- A live calling queue that agents work in turn, with campaigns limited by team, branch, tag or schedule
- Texting and calling
- Calling on every plan, texting from Cruiser and the dialer from Booster
- Agency systems
- No direct AMS link. Farmers plans send quotes into APEX
- Contract
- Monthly, quarterly or yearly terms that renew on their own
Our take
Ricochet360 is for an agency or call team that buys leads in volume and wants to call each one within seconds. New leads land in a live queue, and the next agent dialing takes them.
Booster is the first plan with the dialer. Farmers agencies have their own plans.
Terms renew on their own and can't be ended early, and there's no direct AMS link.
Pros
- CRM, cloud phone, texting and a dialer in one per-user plan
- Posted leads go straight into a live calling queue, and leads that arrive after hours wait in their own queue for the next day
- Vendor reports show contact, quote and sale rates by lead vendor and campaign
- Separate versions for Allstate and Farmers agencies, with Farmers quotes sent into APEX
- Published per-user prices for every plan
Cons
- Terms renew automatically and can't be cancelled before they end
- Monthly terms run at least two months, and the lower rates need an annual contract
- Integrations and email and text automation start at the Explorer plan
- No direct agency management system connection outside the Farmers APEX quote push
- Texts, extra minutes and extra phone numbers cost extra
Plans and pricing
| Plan | Monthly term | Yearly contract | Minutes per user | What it adds |
|---|---|---|---|---|
| ShuttlePhone and CRM only | $35 | $20 | 500 | Calling, CRM, recording, call routing menus and reports |
| CruiserAdds texting | $45 | $35 | 1,000 | Texting |
| BoosterTeams that dial all dayFirst plan with the dialer | $102 | $85 | 1,500 | Email, the dialer, local-number caller ID, number masking, Spam Guru spam monitoring and agent and lead reports |
| ExplorerTeams that automate follow-up | $150 | $125 | 2,000 | Integrations, email and text automation and live Zoom support |
| GalaxyLarge call teams | $198 | $165 | Unlimited | Premium support and no call caps |
Prices are per user per month, as of October 2026, from ricochet360.com/pricing. Shuttle to Explorer cap calls at 300 a day and 6,000 a month.
What it would cost you
Cost per month
First-year cost
Software cost per lead
Uses the per-user prices in the table. Texts, extra minutes, numbers and setup fees are extra.
| Farmers plan | Monthly term | Yearly contract | Minutes per seat |
|---|---|---|---|
| Shuttle (Phone Only)Service seat | $32 | $18 | 1,000 |
| Service Line (Phone + Text)Service seat | $56 | $49 | Unlimited |
| Booster ProSales seat | $92 | $77 | 2,000 |
| Explorer ProSales seat | $136 | $113 | 2,500 |
| Galaxy EnterpriseSales seat | $179 | $149 | Unlimited |
Farmers prices per seat per month, from the Farmers Agency All-in-One page. Service seats cover phone and texting. Sales seats add the CRM and dialer.
Usage and setup fees
| Item | Price |
|---|---|
| Minutes over the plan | $0.05 a minute |
| Text, Explorer and up | $0.02 each |
| Picture text, Farmers plans | $0.03 each |
| Extra local number | $3 a month |
| Extra toll-free number | $5 a month |
| Spam Guru Pro (spam-label monitoring) | $2 to $4 a number per month |
| Texting registration (A2P 10DLC) | $115 once, then $15 a month |
| Caller ID verification setup (STIR/SHAKEN, the anti-spoofing standard) | $150 once |
| Emergency calling setup | $500 once, then $2 a number per month |
| Custom development | $225 an hour |
Which plan has it
| Feature | Shuttle | Cruiser | Booster | Explorer | Galaxy |
|---|---|---|---|---|---|
| Calling, CRM and reports | |||||
| Minutes per user | 500 | 1,000 | 1,500 | 2,000 | Unlimited |
| Texting | |||||
| Dialer and local-number caller ID | |||||
| Spam Guru and caller ID masking (showing another of your numbers) | |||||
| Email and text automation | |||||
| Integrations and Zapier | |||||
| Live Zoom support | |||||
| Premium support |
Getting started
Book a demo
Ricochet360 prices the plan and term in a service order.
Register your numbers
Texting registration (A2P 10DLC) and caller ID verification run before you call and text.
Plan your tags
Decide how to tag vendors, campaigns and branches, since tags decide who can call each lead.
Connect lead sources
Point vendors at the API, or upload lists. Assisted uploads take up to three business days.
Set up workstations
Daily Zoom sessions set up each agent, with a training course and video guide.
Support is by email, phone, ticket and Zoom.
Lead intake
Lead vendors, websites and partners post leads to the REST API, and new leads can be dialed right away. Imports can set the vendor, campaign, tag, status and branch.
- Ways leads come in
- API posts, CSV import, Zapier and inbound calls tied to a marketing source
- Tagging
- Distribution rules tag each new lead by its fields, vendor or campaign
- Duplicates
- Imports can update a match on the field you pick. Admins merge up to six records at once
Assignment rules
First to claim
New leads join a live calling queue, and the next agent dialing gets them.
By state or license
Eligibility filters on each campaign keep leads with the agents who can work them, such as by state or license.
By schedule
Campaigns run on set hours, and after-hours leads wait for the morning.
Owner only
Limit a campaign to leads an agent already owns.
- If nobody is dialing
- The lead waits at the top of the live queue for the next agent
- After hours
- Leads wait in an after-hours queue, and the live queue is worked first the next day
- Who owns a lead
- The agent who calls it, takes its inbound call, gets it by transfer or is assigned it
Follow-up and calling
Agents work leads with calls, texts, email, tasks, sequences and booking. Sequences run until the lead answers, gets a quote or opts out.
- Do Not Call
- DNC Pro checks federal and state lists with your own registry account. DNC Lite uses status, vendor and lead age
- Opt-outs
- A Do Not Call status blocks every lead with that number. Do Not Text holds until the person replies START
- Caller ID
- Local-number caller ID, number masking and Spam Guru (spam-label monitoring) help keep calls from being flagged as spam, from Booster up
- Calendars
- Tasks sync to Google or Outlook
Client and policy records
Ricochet360 holds contacts and their leads, with up to 50 leads linked to one contact. In the Farmers setup, APEX keeps quotes and policies.
Renewals, retention and cross-sell
Farmers renewals
The Farmers version adds renewal and cross-sell workflows, plus claims, billing and policy change follow-up.
Cross-sell lists
Uploaded lists can split auto-only, home-only and bundled clients.
Connections
| Connects to | Type | How | What it does |
|---|---|---|---|
| Farmers APEX | Rater | Built in | Sends lead data and quotes into APEX on Farmers plans. Nothing comes back |
| Farmers Voice Advantage | Phone | Built in | Inbound call setup on Farmers plans |
| Google and Outlook calendars | Calendar | Built in | Tasks sync out |
| REST API | Automation | API | Vendors, websites and partners post leads |
| Zapier | Automation | Zapier | New leads and status changes go out, and leads and tasks come in. Explorer and Galaxy |
Zapier needs its own account, which Zapier bills separately.
Client portal and mobile app
- Agent app
- iPhone and iPad, last updated in 2019
- What the app does
- Calls, lead details, notes, tasks, texts and email, with calls logged
Reporting
Reports you get
- Lead source kept on every lead, with vendor and campaign
- Contact, quote and sale rates by vendor
- Lead volume, the lead price you enter and returns
- Agent performance and dialer activity
- Text, email and contest reports on higher plans
- CSV export of vendor reports
What users say
Themes from user reviews, as of October 2026.
What users like
- Dialer speed and automation
- Centralized lead management
- Combined dialer, CRM and automation
- Helpful customer support
What users dislike
- Initial setup and training burden
- Limited customization or dashboard flexibility
- Occasional lag or SMS-delivery issues
- Cost
- Inconsistent support experiences
Contract and cancellation
- Term
- Monthly, quarterly or yearly. A monthly term runs at least two months
- Renewal
- Renews for the same length on its own
- Notice
- Cancel at least 30 days before renewal
- Canceling
- Not allowed mid-term, and your user count can't drop below the order minimum
- Refunds
- Fees aren't refunded
- Your data
- Export as CSV during the term and 30 days after. Call and text logs are kept five years
From Ricochet360's terms of service.
Ricochet360 alternatives
- TLDCRMFrom $100 a user per monthCalling and routing built for life and health agencies
- VanillasoftQuote onlyQueue-based calling that hands each agent the next lead
- ConvosoQuote onlyHigh-volume call center calling with state calling rules
- AgencyZoomFrom $119.20 a month for up to 7 users, billed yearlyAllstate and Farmers plans with a two-way AMS sync
See every option in insurance lead management software.
Frequently asked questions
How much does Ricochet360 cost?
Standard plans run from $20 per user per month on an annual contract to $198 per user per month on a monthly term, and Farmers plans start at $18 per user per month. Texts, extra minutes and extra phone numbers cost extra.
Does Ricochet360 have a free trial?
Ricochet360 offers demos. A trial is available when your service order includes one.
Does Ricochet360 work for Farmers or Allstate agencies?
Farmers agencies have their own plans with Farmers Voice Advantage call setup and quotes sent into APEX. Ricochet360 Blue is an Allstate-approved version that works alongside Allstate Lead Manager. No Blue price is published.
Can I cancel Ricochet360 at any time?
No. Terms renew automatically, and you cancel by giving notice 30 or more days ahead of the renewal date.
Does Ricochet360 connect to my agency management system?
Apart from the Farmers APEX quote push, connections run through the REST API or Zapier rather than a direct agency management system link.
How we researched this review. We based this review on the pricing, terms and product pages published by Ricochet360, 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 Ricochet360 quit selling or a contract term that reads different now, let us know and send the link to the page where Ricochet360 has it. Somebody here pulls up that page and checks it before we change anything on ours.