Guides
What nobody selling you leads will tell you.
Most writing about insurance lead generation is published by companies that sell insurance leads. We don't sell leads, so these say what we actually think.
Comparisons
Insurance lead generation companies
A comparison of the major insurance lead vendors — EverQuote, QuoteWizard, SmartFinancial, Datalot, HBW — written by someone who does not sell leads. Includes what each model actually costs you.
The best insurance leads for agents
Shared leads, exclusive leads, aged leads, live transfers, referrals, and self-generated ads compared on cost, contact rate, competition, and what you own afterward.
Shared vs. exclusive insurance leads
A shared lead is sold to up to eight agents. An exclusive lead costs three to five times more. Which one actually wins on cost per bound policy, and when neither does.
EverQuote alternatives
EverQuote alternatives compared: QuoteWizard, SmartFinancial, Datalot, HBW Leads, aged-lead vendors, and generating leads in your own ad account. Costs and trade-offs for each.
Buying leads vs. running your own ads
Bought leads are fast on day one and never improve. Your own ad account is slow for a month and compounds after. The honest trade-off, with the timeline and the costs.
What leads cost
How much do insurance leads cost?
Published and reported price ranges for auto, home, commercial, and trucking insurance leads across shared, exclusive, aged, and live-transfer sources — plus what a self-generated lead costs.
Cost per lead vs. cost per bound policy
Cost per lead is the number vendors quote. Cost per bound policy is the number that decides whether you are profitable. How to calculate both and why they diverge so sharply.
By line of business
P&C insurance leads
What P&C insurance leads cost, why shared leads convert badly, and how running ads in your own Meta account compares. Written for independent and captive property & casualty agents.
Auto insurance leads
Auto insurance leads run roughly $20-$50 each from the major vendors and get resold to multiple agents. Here is what that does to your close rate, and the alternative.
Home insurance leads
Where homeowners insurance leads come from, what they cost, and why non-renewal markets like Florida and Texas produce the most motivated shoppers in the business.
Home and auto insurance leads
Monoline auto walks at renewal. Bundled households mostly do not. How to generate home-and-auto leads that target the household instead of the vehicle.
Commercial insurance leads
Commercial insurance leads cost more than personal lines and are worth more. How agents source BOP, GL, and commercial auto prospects, and why renewal timing beats volume.
Trucking insurance leads
How commercial trucking insurance leads get generated — FMCSA/DOT data, new-authority filings, and renewal windows — and where paid social fits for motor carrier accounts.
Running the ads
Facebook ads for insurance agents
How insurance agents actually run Meta ads: campaign structure, lead forms vs. landing pages, the learning phase, audience building off your book, and staying inside Meta policy.
How to get insurance leads without buying them
Seven ways insurance agents generate their own leads — paid social, referral systems, book mining, local partnerships, review velocity, content, and X-date campaigns — with the real effort each takes.
Insurance advertising rules
The three rulebooks every insurance ad has to satisfy: Meta advertising policy, state insurance advertising regulations, and your carrier’s own guidelines. What each one restricts.
Advertising rules for captive agents
State Farm, Allstate, Farmers, and American Family agents can usually advertise their own agency — with rules on brand usage, claims, disclaimers, and creative pre-approval. What to check first.
Meta ad account restricted
Why Meta restricts insurance ad accounts, which policy lines get tripped most often, how to file a review that actually gets read, and how to structure assets so one restriction cannot end you.