Lead generation for insurance agents
Insurance agent lead generation. Quote the shopper nobody else is calling.
Auto and home shoppers fill out one comparison form and your phone rings, along with the phones of other agents who bought the same lead. Here is what the three big lead sellers publish about sharing, pricing and returns, and what your own quote pipeline changes.
- Ads at 10% of spend ($600 CAD or $450 USD minimum)
- No markup on spend, $0 setup
- Month to month, 30-day guarantee
Who sells you shoppers today
Shared by up to four agents, sold by the lead. Every point below is from the vendor's own FAQ or agent page, as published in September 2026. Ask for the current terms in writing before you load a balance.
EverQuote: up to three agents, one per carrier
EverQuote's FAQ says shared leads go to a maximum of three agents, and only one per carrier, so you do not fight an agent from your own company. Its own guide puts the average at 1.9 agents per lead. Exclusive auto leads cost more, and EverQuote's guide says shared leads usually run $4 to $5 less per lead.
EverQuote returns and billing
You can request a return credit inside the platform up to 30 days after purchase, capped at 20% of a month's leads. There is no minimum term or spend. Billing is pay as you go, with the balance topping up when it drops to $25 for data leads or $100 for calls.
QuoteWizard: a maximum of four agents
QuoteWizard, owned by LendingTree, states it sells each lead to a maximum of four agents, and under two on average because of territory limits and delivery schedules. Price is the lead plus the cost of any filters you add, charged pay as you go, with a lead credit policy for bad data.
SmartFinancial: live calls, no contract
SmartFinancial's agent page promises no contracts or long-term commitments and a credit policy, and sells live calls alongside data leads across auto, home, life, health, Medicare and commercial lines. It does not publish per-lead prices or sharing limits, so ask before you buy.
What an owned quote pipeline changes.
The shopper who asked for you
Searches like “insurance agent near me”, “home and auto bundle [city]” and “SR-22 insurance [city]” come from people choosing an agent, not a comparison site. When they call from your ad, no other agent got the same call.
Google Ads by line and by town
Separate campaigns for auto, home, renters, commercial or whatever lines you write, limited to the states or provinces where you are licensed. We bill 10% of what Google charges you, with $600 CAD or $450 USD as the lowest monthly fee. Carriers you appoint with may need to approve ad copy that names them, so we check first.
Local SEO and reviews that compound
A Google Business Profile with steady reviews plus pages for each line and each town you serve. Town and line pages are $50 CAD or $38 USD each, ten per month minimum. This is the channel that keeps working in the months you pause ads.
Speed and renewal follow-up
Every lead gets an instant text back and lands in your agency system (EZLynx, HawkSoft, AgencyZoom, Applied Epic or similar). We add reminders before renewal dates and a cross-sell nudge for single-line clients.
The first 30 days.
01
Week 1: cost per bound policy
Pull three months of vendor invoices, subtract return credits, then divide by policies bound and premium written. That is the real price of a customer today, and the bar our work has to clear.
02
Weeks 2 and 3: launch one line
We start with your best line (often auto and home bundles), a quote page with a short form, a tracked phone line, and one search campaign covering your core towns.
03
Week 4: the acceptance test
A test quote request lands in EZLynx, AgencyZoom or your system with its keyword before you can refresh the screen, the text-back reaches the test phone, and the report shows cost per quote. Anything missing, and that month is free.
Insurance agent lead generation: FAQ.
Sometimes. EverQuote itself says exclusive auto leads cost more, and shoppers often fill out forms on several sites, so exclusive on one platform is not exclusive everywhere. Compare cost per bound policy, not cost per lead.
In the US, calls and texts to consumers fall under the TCPA, which requires the right consent for autodialed or prerecorded calls. In Canada, CASL and the National Do Not Call List apply. Leads from your own form let you capture consent in your own words.
Usually, with the carrier's approval. Many captive carriers have their own marketing rules and approved vendor lists. We work inside them and send drafts for sign-off.
Maybe not all of them. Many agencies keep one vendor for volume while search and referrals grow. We report both so you can move money to whichever binds cheaper.
Ads: 10% of spend, $600 CAD or $450 USD at minimum. SEO: $50 CAD or $38 USD for every page, 10 pages a month to start. No setup cost, no annual term, and if month one disappoints you, it is free.
Stop racing three agents to the same shopper.
Tell us your lines, your towns and your current lead spend. Our proposal, built on public rates, comes back the next business day.