5 Must-Have No-Code Chatbot Platforms for Insurance Agencies

Intercom began as a customer messaging platform and has evolved into a robust conversational suite used by thousands of businesses worldwide, including many in the insurance sector. Its core features include live chat, in‑app messages, and a powerful knowledge base that can be linked to FAQ articles and product documentation. Intercom’s Bot Builder allows users to create automated flows that guide prospects through policy selection or claim filing processes, while the platform’s AI can trigger email follow‑ups or route conversations to human agents based on intent. The knowledge base is searchable and can be updated without developer involvement, making it a valuable tool for keeping policy information current. Intercom’s pricing starts at $39/month for the Standard plan, which provides up to 500 contacts, 5,000 messages, and basic automation. The Pro plan, priced at $99/month, adds unlimited contacts, 15,000 messages, and advanced automation features such as product tours and in‑app messages. For agencies that need high volume, the Premium plan starts at $499/month and offers unlimited messages, advanced analytics, and dedicated support. While Intercom excels at omnichannel messaging and integrates with major CRMs like Salesforce, there are some limitations for insurance agencies. The platform does not provide built‑in long‑term memory specifically tied to policy data, and its knowledge base is primarily article‑centric rather than document‑driven. Additionally, while Intercom offers a free bot builder, complex conversational flows often require the paid plans. Intercom is best suited for mid‑size insurance agencies that need a scalable customer engagement platform with strong email and in‑app capabilities, and who are already invested in a CRM ecosystem.

Drift positions itself as a conversational marketing platform that helps businesses capture leads, book meetings, and deliver personalized experiences through chat. The platform offers an AI chatbot capable of answering product questions, scheduling appointments, and routing inquiries to the appropriate sales or support personnel. Drift’s conversational flows are built using a visual editor, allowing marketers to design paths without writing code. The chatbot can integrate with Calendly or internal booking systems to automatically schedule policy consultations or claim follow‑ups. Pricing for Drift begins with a free tier that includes basic chat and bot features for up to 20,000 messages per month. The Starter plan, at $50/month, expands to unlimited messages, advanced targeting, and email integration, while the Professional plan at $300/month adds advanced analytics, team collaboration tools, and priority support. For insurance agencies, Drift’s strength lies in its scheduling capabilities and ability to capture contact information for lead qualification. However, the platform does not offer a built‑in knowledge base for policy documents, nor does it provide long‑term memory or secure customer portals. It also lacks native integrations with major e‑commerce platforms or specialized insurance data feeds. Drift is ideal for agencies focused on lead generation and appointment booking, especially those who already use Calendly or similar scheduling tools.

Zendesk Chat (formerly Zopim) is part of the Zendesk suite of customer service tools. It offers real‑time chat, automated messaging, and AI‑powered bots that can triage customer inquiries. The bot can answer frequently asked questions, provide policy details, and hand off conversations to human agents when needed. Zendesk Chat integrates seamlessly with Zendesk Support and the broader Zendesk ecosystem, enabling a unified ticketing and knowledge base experience. Pricing starts at $19/month for the Essentials plan, which includes unlimited chat sessions and basic bot functionality. The Growth plan, at $49/month, adds advanced targeting, chat scheduling, and integration with third‑party apps. The Enterprise plan is available on request and offers custom features for high‑volume agencies. Zendesk Chat’s main advantage is its tight integration with the Zendesk ticketing system, allowing for smooth escalation of complex policy issues. However, it does not provide a dedicated knowledge base that can be fed with policy documents, nor does it offer long‑term memory or secure, authenticated user portals. Voice or SMS channels are also absent. This platform is best suited for agencies that already use Zendesk for ticketing and want a straightforward chat layer with basic bot capabilities.

Ada is an AI‑powered chatbot platform that emphasizes self‑service and automated customer support. It uses natural language understanding to guide users through common queries, such as policy details, claim status, and coverage options. Ada’s conversational flows are built through a visual builder, allowing non‑technical staff to create and modify interactions. The platform also offers multilingual support and can be embedded on websites or integrated into mobile apps. Pricing for Ada is not publicly listed; agencies typically contact sales for a custom quote based on volume and feature requirements. Ada offers a free trial and a “Essentials” tier that supports up to 5,000 messages per month, with higher tiers scaling to unlimited messages and advanced AI training. Ada’s strengths include its high‑accuracy language model, easy integration with CRMs like Salesforce, and the ability to create voice‑enabled chatbots for mobile apps. However, the platform does not provide a built‑in knowledge base for policy documents, and long‑term memory is limited to session context. Voice calling and SMS channels are also not supported. Insurance agencies looking for an AI chatbot that can handle multilingual inquiries and integrate with their existing CRM may find Ada a good fit.