What are Agency Aid's insurance VA rates?
We keep pricing simple: one hourly rate per tier, available full-time (40 hours per week) or part-time (20 hours per week). There are no hidden fees layered on top of the hourly rate. Every tier is trained on insurance service workflows before placement, including hands-on quoting practice in our QuoteSim™ simulation platform.
| Tier | Hourly rate | Best for |
|---|---|---|
| Trained VA | $9/hr | Agencies getting started with virtual support: quoting, service, renewals, billing follow-up |
| Experienced VA | $12/hr | Agencies that want minimal hand-holding; 3+ years of insurance service experience, client-facing on phones and email |
| Bilingual VA | $15/hr | Agencies with Spanish-speaking clients; fluent in English and Spanish, strong in high bilingual markets like TX, FL and CA |
What does an insurance VA cost per month?
To estimate a monthly cost, multiply the hourly rate by weekly hours and by about 4.33 weeks per month (52 weeks divided by 12). The figures below are rounded estimates; your actual invoice depends on hours worked in a given month.
| Tier | Full-time (40 hrs/week) | Part-time (20 hrs/week) |
|---|---|---|
| Trained VA ($9/hr) | ≈ $1,560/month | ≈ $780/month |
| Experienced VA ($12/hr) | ≈ $2,080/month | ≈ $1,040/month |
| Bilingual VA ($15/hr) | ≈ $2,600/month | ≈ $1,300/month |
How does that compare to hiring an in-house CSR?
When agency owners compare a VA to an in-house customer service representative, the mistake is comparing hourly wage to hourly rate. An in-house CSR's true cost includes base salary plus employer payroll taxes, workers' compensation, any benefits you offer (health insurance, paid time off, retirement contributions), and overhead such as a desk, computer, software seats, and the time you or your office manager spend recruiting and training.
Wages for licensed and unlicensed CSRs vary widely by state and city, so we won't quote a single number. The practical exercise is to add up what your last in-house hire actually cost you for a full year, including the weeks before they were productive, and divide by twelve. Most owners who do that math find the fully loaded monthly cost of a US-based CSR is a multiple of the VA figures above.
That doesn't mean a VA replaces every in-house role. Licensed work, in-person service, and some sales roles belong with your local team. A VA is most cost-effective when it takes the repeatable, unlicensed back-office work off the plate of the licensed people you already pay.
- In-house CSR: salary + payroll taxes + benefits + equipment + office space + recruiting and training time
- Agency Aid VA: one hourly rate, full-time or part-time, no hidden fees, pre-trained on insurance workflows
What do you get for the hourly rate?
The rate covers a VA who already knows insurance terminology and workflows. Our VAs go through an insurance bootcamp, soft-skills training for client communication, and QuoteSim™ training that simulates quoting in real carriers and rating systems. Every VA is tested before placement.
- Quoting in carrier portals and comparative raters
- Policy renewals and re-shops
- Billing follow-up and payment processing
- Endorsements and service requests
- Mortgagee and lienholder updates
- Binder and COI issuance
- CRM and AMS management, document processing and data entry
- First contact for claims, and email, call and text follow-up
Should I start full-time or part-time?
Part-time (20 hours per week) is a good fit if you have a defined set of tasks, such as renewal re-shops or billing follow-up, and want to prove the model first. Full-time (40 hours per week) makes sense when you have enough recurring service work to keep someone busy every day, or when you want one person to own a workflow end to end.
A simple way to decide: list every task you or your licensed staff did last week that did not require a license, and estimate the hours. If it's under 20, start part-time. If it's over 20, start full-time. Our Time Analysis Worksheet on the Guides & Tools page walks you through this.
Guides & Tools (Time Analysis Worksheet) → · See full pricing →
Which tier gives the best return?
The cheapest tier isn't always the best value. If your VA will mostly work behind the scenes on quoting, data entry and renewals, the Trained VA at $9 per hour is usually the right starting point. If you want someone answering client calls and emails with little supervision, the Experienced VA's 3+ years of insurance service experience can save you management time. If a meaningful share of your book speaks Spanish, the Bilingual VA lets you serve those households without routing every call to one bilingual staff member.