In 2024, the global insurance industry’s premium income increased by approximately 9%, totaling ~$8 trillion, highlighting strong demand and escalating digital investments.1 At the same time, the global insurance chatbot market is projected to reach a value of $5238 million by 2033, indicating the rapid growth of chatbots in the insurance industry industry.2
We have compiled the 5 most popular insurance chatbots, case studies, and best practices to demonstrate the benefits of these tools for insurers’ operations.
Top 5 insurance chatbots in insurance
Vendor | Average Score | Integration Capabilities | Key Features |
---|---|---|---|
Boost.ai | 4.8 based on 39 reviews | Zendesk, Salesforce, Microsoft Teams | 24/7 policyholder support, automated ID&V |
Cognigy.AI | 4.8 based on 34 reviews | Salesforce, Guidewire, Duck Creek | Pre-built insurance workflows |
Tars | 4.6 based on 212 reviews | Web embeddable, WhatsApp, SMS | Lead qualification templates, media uploads for damage claims |
IBM watsonx Assistant | 4.3 based on 376 reviews | Policy admin systems, SAP, Oracle | AI Agents with generative-AI, secure data handling |
Solvemate by Dixa | 4.1 based on 407 reviews | Creatio CRM, any REST API | CRM handover, Contextual Conversation Engine |
*Sorting is based on the average score.
Top 5 case studies of insurance chatbots
1. GEICO Mobile’s Virtual Assistant
GEICO’s virtual assistant (available on iOS and Android) addresses policy questions, billing issues, digital ID cards, and claims submissions around the clock.3
2. Zurich’s Zuri
In October 2020, Zurich launched “Zuri” (developed through Spixii), which resulted in 25 percent of website visitors engaging with it and resolving 50 percent of inquiries without needing a phone call, achieving a Net Promoter Score (NPS) of 70 within just six weeks.4

Figure 1. Zurich’s Zuri’s conversations with a customer.
3. Allstate’s ABIE
Allstate’s “ABIE” (Allstate Business Insurance Expert) was introduced in May 2018 to assist small-business clients. Available through the business-insurance section on Allstate.com, ABIE manages 25,000 inquiries each month, learns from these interactions, and has greatly decreased the number of support calls to agents.5

Figure 2. Allstate’s ABIE.6
4. Progressive’s Flo
Progressive’s mascot-themed “Flo Chatbot” (available on Facebook Messenger and web) allows users to initiate auto-insurance quotes, verify deductibles, and inquire about claim statuses. Introduced in 2017 on Microsoft Azure, Flo became the first top-10 U.S. insurer to offer quoting through Messenger, amassing 4.8 million followers and simplifying the purchasing process funnel.7
5. Lemonade’s AI Jim
Lemonade’s in-app chatbot, “AI Jim,” automatically processes nearly 40 percent of claims instantly. In December 2016, AI Jim set a record by completing a claim payout in just 3 seconds and currently manages around one-third of all claims from start to finish before forwarding them to human adjusters.8

Figure 3. Lemonade’s AI Jim is handling pet insurance claims.
Insurance chatbot best practices
Deep system integration
Integrate chatbots directly with policy administration systems (Guidewire, Duck Creek) and claims platforms to facilitate seamless FNOL and status updates.
Security and compliance
Implement end-to-end encryption, role-based access, and ensure adherence to GDPR, PCI DSS, HIPAA (where applicable), and local insurance regulations.
Domain-tailored NLP models
Train models to recognize insurance-specific intents such as “file claim,” “premium adjustment,” and “coverage exception” to improve accuracy in intent recognition.
Context-preserving handoffs
Incorporate clear escalation paths from bot to human agents, transferring complete conversation context to prevent customer frustration.
Conversational jargon simplification
Substitute or clarify technical terms (“endorsement,” “co-insurance”) with user-friendly language and quick-link buttons.
Analytics-driven iteration
Regularly review deflection rates, transcript logs, and CSAT scores; revise chatbot flows monthly based on drop-off points and new product launches.
Omnichannel deployment
Deploy across web, mobile app, WhatsApp, SMS, and voice to connect with policyholders through their preferred channels.
Accessibility and inclusivity
Ensure compatibility with screen readers, provide IVR support for visually impaired users, and simplify flows for cognitive accessibility.
Stakeholder training and change management
Conduct internal pilots, educate service teams on bot hand-offs and fallbacks, and clearly communicate capabilities and limitations.
Governance and version control
Sustain a centralized content repository with versioning for quick updates in response to regulatory or product changes.
FAQ
Further reading
- Generative AI in insurance
- Chatbot Applications with Examples
- SAP Conversational AI (Joule) Use Cases
Reference Links

Cem's work has been cited by leading global publications including Business Insider, Forbes, Washington Post, global firms like Deloitte, HPE and NGOs like World Economic Forum and supranational organizations like European Commission. You can see more reputable companies and resources that referenced AIMultiple.
Throughout his career, Cem served as a tech consultant, tech buyer and tech entrepreneur. He advised enterprises on their technology decisions at McKinsey & Company and Altman Solon for more than a decade. He also published a McKinsey report on digitalization.
He led technology strategy and procurement of a telco while reporting to the CEO. He has also led commercial growth of deep tech company Hypatos that reached a 7 digit annual recurring revenue and a 9 digit valuation from 0 within 2 years. Cem's work in Hypatos was covered by leading technology publications like TechCrunch and Business Insider.
Cem regularly speaks at international technology conferences. He graduated from Bogazici University as a computer engineer and holds an MBA from Columbia Business School.
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