What an insurance CRM costs in Canada
There is no honest market average, and any page that gives you one is guessing. Most Canadian vendors publish no price at all.
What can be described accurately is how the pricing works, what sits outside it, and what to ask so that two proposals can actually be compared.
Why almost nobody publishes a number
Quote-only pricing is the norm among broker management systems and common among insurance CRMs. It exists because those deals genuinely vary — seats, modules, data migration, carrier connections and contract length all move the total — and because a published price invites comparison on price alone.
The practical effect for a brokerage is that you cannot shortlist without booking calls, and the proposals you get back will not be structured the same way. That is the problem the questions further down are meant to solve.
The four models
Per user, per month
A flat price for each person with a login. The most common model and the easiest to forecast.
Watch: Whether an admin, a producer and a read-only account all count as a user. They often do.
Tiered, with a seat allowance
A plan price that includes a fixed number of users, then a per-seat charge or a jump to the next tier.
Watch: The cost of your sixth user. That is where a tier boundary usually bites.
Quote only
No public price. You book a call and receive a proposal after a discovery conversation.
Watch: This is how most broker management systems and several insurance CRMs sell. It is not a trick, but it does mean you cannot compare without entering a sales process.
Per policy, per record or per seat-plus-usage
Price scales with the size of the book rather than the size of the team.
Watch: What happens when you acquire a book. Growth you are proud of can double a bill overnight.
The costs that are not on the pricing page
- Implementation, onboarding or setup fees, sometimes one-off and sometimes a multiple of the monthly.
- Data migration, which is where quotes diverge most.
- Training, and the internal hours nobody budgets for.
- Contract length and what the renewal price is, not just the first-year price.
- Currency. A US-priced product bills in USD, so your cost moves with the exchange rate and may carry a card FX fee.
The internal time is the one that gets missed. What a CRM actually costs is a worksheet for putting your own quotes against every line item above, deliberately with no prices filled in.
What we charge
Ours are published because we can publish them, not because it makes us cheapest. Prices are in Canadian dollars and billed in CAD, so there is no exchange rate between you and the invoice.
- Solo $49 a month.
- Solo Pro $79 a month.
- Team $149 a month, for up to 5 users.
- Agency $349 a month, unlimited users.
Annual billing gives 2 months free. There is a 14-day free trial and it does not ask for a card. There is no implementation fee and no migration charge, because the import is a CSV you run yourself.
The honest caveat on that comparison: CovioIQ is a CRM, not a management system. It has no accounting and no carrier download, so a quote-only BMS price is not the same purchase and the two numbers should not be put side by side. CRM versus broker management system explains the difference.
Five questions that make two quotes comparable
- What is the total first-year cost including every one-off fee, and what is year two?
- Exactly who counts as a billable user?
- What is included in migration, and what is charged separately?
- Is the price in CAD or USD, and is it fixed for the contract term?
- What happens to the price if we acquire a book and double the records?
Ask all five of every vendor, in writing. The answers, not the monthly figure, are what make a shortlist decidable.