Zoho CRM review: pricing, plans and integrations
Zoho CRM is a general CRM that insurance agencies and brokers set up for their sales pipeline, policies and renewals beside their AMS. Policies are added as a custom module linked to each client.
The free edition covers 3 users, and paid editions start at $14 a user per month billed yearly.
- Best for
- Agencies that want a per-user CRM they can shape around policies and renewals, with the AMS kept as the record of policies
- Type
- General CRM set up for insurance
- Lines
- Any line. Agencies add the policy fields themselves
- Price
- Free for 3 users. Paid from $14 a user per month billed yearly
- Free trial
- 15 days, no card needed
- AMS connections
- None built in. EZLynx and Applied Epic through custom work or partners
- Calling and texting
- Built-in calling charged by use. Texting through Zoho Voice
- Apps
- Web, iPhone, iPad and Android, with offline work
Our take
Zoho CRM fits agencies that want published per-user prices and are willing to build their own insurance setup. Policies, carriers and claims become custom records, and the AMS stays the source of truth.
Most agencies start with the 15-day free trial and Zoho's free onboarding sessions, then bring in a partner for the AMS link.
Keeping policies as their own records takes Enterprise or Ultimate.
Pros
- A free edition for three users and published prices for every edition
- A 15-day free trial with no card
- iPhone, iPad and Android apps that work offline
- Audit logs, logins limited to set networks and HIPAA settings from Standard up
Cons
- Policies, carriers and claims have to be set up by you or a partner
- No standard AMS connector, so syncing your AMS is custom work
- A renewal date can't start a timed email series (a cadence), so renewals need a workflow
- No carrier downloads, commission tracking or Medicare tools
Plans and pricing
| Edition | Billed yearly | Billed monthly | What it adds |
|---|---|---|---|
| FreeUp to three users | $0 | $0 | Contacts, leads, deals and the mobile apps |
| StandardA small team getting started | $14 | $20 | Pipelines, forecasting, calling and mass email |
| ProfessionalAgencies that want set renewal stepsAdds process guides and unlimited reports | $23 | $35 | Blueprint process guides and unlimited reports |
| EnterpriseAgencies keeping policies as their own records | $40 | $50 | Custom modules, approvals and field encryption |
| UltimateLarge agencies with heavy data | $52 | $65 | The highest limits and the most storage |
Prices a user per month as of October 2026, from Zoho's pricing page. Local taxes are added.
What it would cost you
Cost per month
First-year cost
Software cost per new policy
User licenses only. Calling usage and paid support plans are extra.
Paid support plans
| Plan | Cost |
|---|---|
| Classic | Included with paid editions |
| Premium | 20% of your subscription |
| Enterprise | 25% a year, 50 licenses or more |
| Platinum | 30% a year, 250 licenses or more |
Good to know before you buy
- Built-in calling bills phone numbers and calls by use.
- Partners quote separately for insurance setup and AMS links.
Which plan has it
| Feature | Free | Standard | Professional | Enterprise | Ultimate |
|---|---|---|---|---|---|
| Custom reports | 100 | Unlimited | Unlimited | Unlimited | |
| Custom dashboards | 10 | Unlimited | Unlimited | Unlimited | |
| Blueprint process guides in use at once | 3 | 50 | 100 | ||
| Custom modules for policies | 100 | 500 | |||
| Records per import | 1,000 | 10,000 | 20,000 | 30,000 | 50,000 |
| Audit logs, logins limited to set networks and HIPAA settings | |||||
| Approvals and field encryption | |||||
| Data storage, up to 200 users | 5,000 records | 100,000 records | 10 GB | 10 GB | 10 GB |
Client and policy records
- Standard records
- Leads, contacts, accounts and deals
- Policies
- A custom module linked to the client
- Carriers
- A custom field, a custom module or a linked account
- Claims
- Their own record with a workflow
- Role next to your AMS
- Front office. The AMS keeps policy terms, carrier transactions, documents and accounting
Leads and pipeline
Web forms can run assignment rules, double opt-in and spam checks. Unique fields and duplicate checks stop a lead from being entered twice, including against existing contacts.
Assignment rules
- Routes by
- Territory, product or lead source
- Methods
- A named user or group, rotation or availability and shift
- Applies to
- Imported, web form and API records, not leads typed in by hand
- When the chosen users are away
- The lead goes to a default user
Renewals, retention and cross-sell
- Renewal reminders
- A workflow or custom function finds deals expiring within 30 days and starts follow-up
- Limit
- A date field can't start a cadence on its own
- Cross-sell
- Segments and campaigns by record details, purchase patterns or engagement
Email, calling and texting
Gmail, Microsoft, Zoho Mail and other mail services connect. Cadences send timed emails and tasks.
Calling
Built in and powered by Twilio, with call logging, recording, queues and call reports.
Texting
Through the Zoho Voice extension, two-way in the US and Canada.
- Stopping a cadence
- It stops when the record reaches an outcome. An email unsubscribe doesn't stop its call and task steps
- Policy records
- Cadences on custom modules can only send email and create tasks
- Texting registration
- US business texting needs 10DLC registration first
AMS and carrier connections
Zoho has no built-in AMS connector and no carrier downloads. EZLynx links through a custom build or Zapier, and partners build Applied Epic links.
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| EZLynx custom integration | Agency management systems | From Zoho CRM | Sends contacts and accounts to EZLynx and returns the EZLynx ID | |
| EZLynx via Zapier | Agency management systems | Zapier | Both ways | Moves applicants between the two |
| Applied Epic partner integrations | Agency management systems | Brings Epic customers, contacts and quotes into Zoho | ||
| Built-in telephony | Dialers and phone | Built in | Calls, numbers, queues and recording, charged by use | |
| Zoho Voice SMS for Zoho CRM | Dialers and phone | Marketplace app | Two-way texting from lead records | |
| Gmail, Microsoft and IMAP/POP mail | Email and texting | Send and receive email from the CRM |
Client portal and mobile app
Mobile apps
iPhone, iPad and Android apps show records, calls, notes, activities and dashboards and scan business cards. You can work offline and sync later.
Portals
Higher editions add portals that let clients or partners see the records you choose.
Reporting
Reports
- Lead source on every record
- Pipeline and forecasts
- Campaign results
- Cadence and workflow activity
- Calls
- Scheduled reports on paid editions
Migration and getting started
Start the free trial
15 days with no card. You can ask for more time on the last day.
Use free onboarding
Paid editions get four one-hour sessions in the first 15 days.
Import
The migration wizard takes CSV or ZIP files and maps fields.
Set up policies and the AMS link
Do it yourself or hire a Zoho partner, who quotes the work.
Support through the help center, plus paid support plans.
What users say
What reviewers mention most, as of October 2026.
What users like
- Clear per-user pricing
- Deep customization
- Many integrations
- Client history in one place
What users dislike
- An interface some find dated
- Advanced setup takes time to learn
- Integrations can be fiddly
- Support quality varies
- Key features held for higher plans
Contract, export and cancellation
- Term
- Monthly or yearly, with no long-term contract
- Renewal
- Automatic unless you cancel 7 days before
- Refunds
- First monthly term within 30 days, first yearly term within 45 days
- Your data
- Exports to CSV. Backups include separate attachment files
Zoho CRM alternatives
- HubSpotFree for 2 users. Paid from $20 a user per monthMarketing, sales and service on one set of records
- Salesforce Financial Services CloudInsurance Brokerages from $500 a user per monthPolicy records built in, for larger agencies
- HighLevelFrom $97 a monthMarketing automation with calling and texting built in
- Agent CRM$97 a monthReady-made setup for life and Medicare agents
See every option in insurance CRM.
Frequently asked questions
How much does Zoho CRM cost?
Free for 3 users. Paid editions run $14 to $52 a user per month billed yearly.
Does Zoho CRM connect to my AMS?
Not out of the box. EZLynx and Applied Epic need custom work, Zapier or a partner.
Can Zoho CRM track insurance policies?
Yes, as a custom module, which takes Enterprise or Ultimate.
How we researched this review. We based this review on the pricing, terms and product pages published by Zoho CRM, 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 Zoho CRM quit selling or a contract term that reads different now, let us know and send the link to the page where Zoho CRM has it. Somebody here pulls up that page and checks it before we change anything on ours.