What does an insurance agency virtual assistant cost?
A human virtual assistant for an insurance agency costs about $30,000 a year through a VA agency, or $10,000–15,000 a year hired directly offshore. A Missouri CSR costs about $41,000–54,000 a year before taxes and benefits. The AI assistant Cirlet sets up costs $1,000 a month, or $12,000 a year, with the computer bought once at cost.
The comparison
| Missouri CSR | VA agency | Direct offshore VA | AI assistant (Cirlet) | |
|---|---|---|---|---|
| Cost a year | $41–54k | about $30k | $10–15k | $12k |
| Is a person | Yes | Yes | Yes | No |
| Can be licensed, quote and advise | Yes | Sometimes | Rarely | No |
| Answers the phone | Yes | Often | Often | No |
| Drafts renewals, certificates and changes | Yes | Yes | Yes | Yes, for approval |
| Training and turnover | Yours | Shared | Yours | Set up and adjusted by Tyler |
| Where client data lives | Your office | Their staff's computers | Their computer | A computer your agency owns |
Where the numbers come from
- Missouri CSR: about $19.60–26 an hour (Indeed, Missouri CSR pay; a Kansas City insurance CSR job ad at $20.21–26.16 an hour), roughly $41–54k for a full-time year.
- VA agency about $30k a year, direct offshore $10–15k: an agency owner on r/InsuranceAgent, October 2025 and another, February 2026, comparing agency VAs with hiring directly.
- AI assistant: Cirlet's published price, read 2 October 2026.
Cirlet's price in full
- $1,000 a month. The $4,000 setup is waived with a 6-month commitment, and owed if you cancel early. Month to month after that.
- Founding agencies: the first 5 in Missouri get a free 14-day pilot on one chore, then $500 a month for 6 months, in return for weekly feedback, a testimonial if it's earned, and introductions.
- Renewal Desk only: $500 a month.
- The AI model subscription is included. The computer is a mini PC or Mac mini the agency buys at cost and keeps.
Which to pick
If you need someone on the phones, hire a person. If the backlog is paperwork in EZLynx, carrier sites and email, an AI assistant drafts it for less than a part-time CSR, and your licensed staff keep the decisions.