The common pricing models
- Per user or per agent. The bill grows every time you add a producer or CSR.
- Tiered plans. Starter, pro and enterprise, with the features you actually need usually sitting one tier up.
- Modules and add-ons. A base price plus separate charges for rating, commissions, certificates, portal and more.
- Flat fee. One monthly price for the platform regardless of headcount.
What to ask besides the monthly price
- What does it cost for my headcount and the features I need, all-in?
- What happens to the price when I add a producer?
- Are there setup, onboarding or data-migration fees?
- Is there a contract term or early-termination fee?
- Which integrations are included, and which need separate contracts with a third party?
- What does support cost?
Third-party contracts are separate
Many agencies connect to quoting tools under their own contract with the provider. Make sure you know which costs are the software vendor's and which are between you and the third party. For DarkHorse AMS, for example, your own Quotamation API contract and any Bold Penguin appointment are between you and them.
Our approach
DarkHorse AMS costs $250 per month, flat, with no per-agent pricing. One-time fees apply only for data migration or email setup and are quoted upfront. The platform includes the CRM, rater, commissions, COIs, carrier downloads and client portal.
More guides
- How to choose an insurance agency management system: 9 questions to ask first
- AMS vs. insurance CRM: what's the difference for an independent agency?
- How to switch agency management systems without losing your book
- What is a comparative rater, and how do independent agencies use one?
- Insurance agency software for small agencies: what you actually need
- How to reconcile insurance commission statements, step by step
- Agency management system implementation checklist: from signed to live
- Insurance agency CRM features checklist for buyers
- What is IVANS, and how do carrier downloads work?
See DarkHorse AMS running
$250/month flat. Deployed on your own server, branded as your agency. Talk to an agency owner, not a sales rep.
Got more questions? Schedule a one-on-one with the developer → See pricingKeep reading
Agency management system (AMS)What an AMS should do — and what ours includesInsurance CRMClients, policies, pipeline and retention for agenciesComparative raterQuote auto & home across your carriers side by sideCommission trackingStatements parsed, splits calculated, reports that tie outCOI softwareACORD 25 certificates in seconds, or client self-issueVideo tourSix short walkthrough videos of the system, about eleven minutes in totalAPI & Claude connectorFree send-only API and Claude Desktop (MCP) extension for your own automationsPricing$250/month flat — what's included and what isn'tSwitching systemsHow moving your book to DarkHorse AMS worksCompare systemsA neutral worksheet, plus pages for Epic, AMS360, HawkSoft, EZLynx and AgencyZoom switchersBlogGuides for independent insurance agenciesGlossaryPlain-English insurance agency software termsAboutBuilt by working agency ownersFAQStraight answers about the software