AI Chatbot for Insurance Agents
Capture quote requests around the clock. The AI screens by line of business (auto, home, life, commercial), collects the details a quote needs, and routes the lead to your team.
Free plan. Pro $19/month, Business $59/month, 30-day trial on paid plans. Setup takes about 2 minutes from your website URL.
What does an AI chatbot do for an insurance agency?
An AI chatbot for an insurance agency answers "can I get a quote online", "do you bundle" and "what does my policy cover" from your own product pages, collects the details an agent needs to quote, and routes each lead to the right line of business.
Insurance shoppers rarely buy from the first agency they visit. They open several tabs, compare, and go with the agency that answers clearly and responds first. Chatonbo gives your agency website an AI assistant that engages every visitor instantly, asks the qualifying questions an agent would ask (what type of coverage, what state, current carrier, coverage preferences), and captures their contact details before they move on. Whether they are shopping for auto, home, life, business or specialty coverage, the assistant knows your products, the carriers you write with, and the states you are licensed in. It can explain the general difference between term and whole life, describe how bundling works at your agency, walk someone through your claims process, and send them to a quote call on your calendar. It does not quote a premium or interpret a specific policy; it gets the right person the right information so your agents spend their time closing instead of collecting ZIP codes. Because it replies in 50+ languages, visitors who would rather ask in Spanish or Vietnamese get the same service as everyone else.
Questions people ask on an insurance agency website
The real questions, and how the assistant should answer each one once it has your pages.
1.How much is car insurance for a 20 year old?
Ideal answer: Explains that premiums depend on the driver, vehicle and state, avoids giving a number, and collects ZIP, vehicle and current carrier so an agent can quote.
2.Can I get a quote online?
Ideal answer: Says exactly what your agency offers (online quote form, callback, or scheduled call), links to it, and captures name and phone if a callback is the path.
3.Do you offer bundling for home and auto?
Ideal answer: Confirms you bundle and which carriers support it, describes how the discount works in general terms, and asks which policies they hold today.
4.What does my policy cover?
Ideal answer: Points to the general coverage descriptions you have published, states clearly that specific policy questions go to their agent, and offers to route them.
5.How do I file a claim?
Ideal answer: Gives your published claims steps, the carrier claims phone numbers you provided, and your agency hours, and offers a callback if they need help.
6.Do you write in my state?
Ideal answer: Answers from your list of licensed states, and if not licensed there, says so plainly rather than collecting a dead lead.
7.Do you sell life insurance?
Ideal answer: Lists the life products you offer, explains term versus whole life in general terms, and asks for details so a life specialist can follow up.
What a good answer looks like
Three example exchanges from an insurance agency assistant. Prices and names are illustrative; yours come from your own pages.
I just bought a new car and need insurance, can you help?
Congrats on the new car! Yes, we can help. To get you an accurate quote, an agent will need the year, make and model of the car, your ZIP code, your current carrier if you have one, and whether you want liability-only or full coverage. I can't give a premium here, but if you share those details plus your name and number, one of our agents will call you back with real numbers, usually within the hour during business hours.
My home insurance went up a lot this year, can you do better?
That is a common reason people come to us. We work with multiple carriers, so we can run your home through several of them. Can you share your ZIP code, the year your home was built, and your current dwelling coverage amount? I'll pass that to one of our home specialists, who will run the quotes and call you back with options.
Do you sell life insurance?
Yes, we offer term life, whole life and universal life policies through several carriers. In general terms, term is the most affordable way to protect income during working years, whole life builds cash value, and universal adds flexibility. Which one fits you depends on your situation, so want me to capture a few details and have one of our life specialists reach out with a no-obligation quote?
What to feed the assistant
It only answers from what you give it. For an insurance agency, these are the pages and documents that matter.
- 1
Lines of business you write, and the ones you refer out
- 2
Licensed states and the carriers you represent
- 3
Your quote process: online form link, callback, or booking link
- 4
Claims steps and carrier claims contacts you want visitors to see
- 5
Agency hours, locations and the questions your CSRs answer most
Paste your website URL and the pages are crawled automatically. Anything not on the site (a price sheet, a policy document) can be uploaded as a PDF or typed in as a Q&A. If a price or policy is missing, the assistant says it does not know and offers to take the visitor's details instead of guessing.
What 5,470 real website chats show
From our study of website chat conversations across 246 live assistants, June to September 2026.
In 5,470 real website chats, 39% started outside 9 to 18 local time, and on service business websites 18.3% of conversations ended with the visitor leaving contact details, which for an agency means quote requests arriving while the office is closed.
Source: What shoppers ask an AI chat assistant: 5,470 conversations analyzed (2026)
Where an insurance agency loses enquiries
Quote Shoppers Move Fast
Insurance buyers compare several agencies in one sitting. If nobody engages them while they are on your site, they are gone, and so is the policy.
Wrong Line of Business
Your specialty is commercial, but you keep getting personal auto quote requests. The bot screens by LOB and politely refers what you don't write.
Renewal Season Volume
During open enrollment and renewal season, your phones ring nonstop. The AI handles routine questions so your agents can focus on closing.
What it will not do
The assistant will not quote a premium, interpret what a specific policy covers, or advise a visitor on how much coverage they need. It answers from the product descriptions, states and process you give it, and routes policy-specific questions to a licensed agent. It cannot see agent calendars unless you connect a Calendly or Cal.com link through the Booking Agent, and it hands off to a human the moment a visitor asks for one.
AI chatbot questions from insurance agents
Will the chatbot give quotes?+
No. It collects the details an agent needs (ZIP, vehicle, current carrier, coverage type) and routes the lead to your team, which keeps quoting accurate and compliant. You can give it published "starting at" ranges if you want it to share them.
Can it send leads to my agency management system?+
Yes. Captured leads go out by webhook to AMS360, Applied Epic, EZLynx, HawkSoft, or any system that accepts incoming webhooks, along with the full transcript.
Does it handle commercial lines?+
Yes. You describe what you write (industries, payroll, vehicles, locations) and the assistant asks the matching questions and routes commercial prospects to your commercial team.
Can visitors book a quote call directly?+
Yes. Connect a Calendly or Cal.com link through the Booking Agent and the assistant sends visitors to your live availability. Without a link, it captures the preferred time and contact details for a callback.
What does it cost and how long is setup?+
There is a free plan. Pro is $19/month and Business is $59/month, both with a 30-day trial. Setup takes about 2 minutes from your agency website URL, and the assistant answers in 50+ languages.
Related for insurance agents
Lead Generation Agent
Screens by line of business and captures the details an agent needs before the callback.
Lead capture use case
How a "can I get a quote" question becomes a named lead with a transcript in your AMS.
Not an insurance agency? See all industries or the small business overview.
Put an AI assistant on your insurance agency website
Paste your URL, check the answers, add the one-line embed. About 2 minutes. Free plan to start, 30-day trial on Pro and Business.
Build your insurance agency assistant