Auto insurance leads are sold to agents by auction, as shared, exclusive, live transfer and aged leads, and the return list is long and precise.
The 68 auto insurance companies in our directory sell every format: 42 sell exclusive leads, 43 live transfers, 19 aged leads and 18 shared leads. Agents buy on driver profile and insurance status, often by bidding, and often from a prepaid balance.
Auto insurance leads sell in every format. Of the 68 companies in our directory, 55 sell real-time leads, 42 sell exclusive leads and 43 sell live transfers, while 19 sell aged leads, 18 shared leads and 14 data or lists. 31 run call centers or live transfer operations, 26 are networks, exchanges or marketplaces, and 18 both buy and sell.
Agents buy on the driver profile: current carrier and how long insured, vehicles and drivers, homeownership, driving record and risk tier. Shared leads are capped, sometimes one agent per carrier, and several sellers let agents bid. 17 mention a prepaid or funded account, more than any other funding model here. Return policies are long and exact, and several say sales are final.
Juiced lets each agent or agency fund a wallet, set filters and caps on state, ZIP code and driver fields, and bid above your minimum, so the highest bid wins the lead in seconds. Leads no buyer takes go to your own marketplace, where the price falls until someone buys. Delivery is by webhook into the agency's CRM, email or text, and approved returns are credited back to the wallet.
What auto insurance lead companies sell
What the 68 companies in our auto insurance directory say they offer, read from their own websites.
| Product | Companies offering it |
|---|---|
| Exclusive leads | 42 of 68 |
| Real-time leads | 55 of 68 |
| Shared leads | 18 of 68 |
| Aged leads | 19 of 68 |
| Inbound calls | 36 of 68 |
| Live transfers | 43 of 68 |
| Booked appointments | 13 of 68 |
| Data or lists | 14 of 68 |
| Clicks | 12 of 68 |
Counts cover everything each company says it sells, which can include other verticals.
Every format sells here. Real-time leads lead (55 of 68), live transfers (43) and exclusive leads (42) follow closely, then inbound calls (36), and aged leads (19), shared leads (18), data (14), appointments (13) and clicks (12) are all real products. Live transfers and calls need separate call tracking, because Juiced distributes web leads.
What auto insurance leads are screened for
Auto insurance sellers screen for a real shopper with a profile the agent can quote, and they put the edge cases in their return lists.
- Current insurance. Five sellers capture whether the shopper is insured, with which carrier and for how long, and one adds the policy expiration. Two credit a lead already insured with the agent's own carrier.
- Driver and vehicle profile. Several capture vehicles, drivers, age and license, and a few add DUI, accident and ticket history or SR-22 need. One marketplace sorts shoppers into risk tiers from premium to non-standard, and one prices by product type and risk class.
- Homeowner and household. Several record homeownership, which agents use to bundle home and auto. One seller describes its auto leads as mostly multi-car homeowners with policies renewing soon.
- A real person who asked. Seven confirm the phone or the request by text message or a one-time code, and 15 use call center agents or live screeners. Four credit leads where the consumer did not request a quote, and a few flag fake names, students and agents testing the form.
- Language and contactability. Four credit a language barrier as a return, and a few credit fax or disconnected numbers. One excludes landlines and checks recently reassigned numbers.
- Not incentivized or recycled. A few sellers say their leads are not incentivized or game-driven, and one sorts its sources into tiers and refuses to sell bot, recycled, aged or incentivized leads.
What an auto insurance lead has to carry
Agents target by state and ZIP code, then by driver profile: insured status and carrier, vehicles, homeownership, age and risk tier. One marketplace matches leads to an agent's risk filters and may send nearby ZIP codes unless the agent opts out.
Every lead type in Juiced starts with ten default fields. Add your own on top, and decide for each one whether it is required and whether the buyer receives it.
The auto insurance fields
Field names and answer options checked against 10 public lead forms, form templates and posting specs in this market, October 2026.
| Field | Type | Why |
|---|---|---|
| birth_date | Dates | Asked by most of the lead forms and posting specs we reviewed. |
| currently_insured | Boolean | Asked by most of the lead forms and posting specs we reviewed. |
| homeowner | Boolean | Asked by most of the forms and specs we reviewed. |
| vehicle_year | Numeric | Asked by most of the forms and specs we reviewed, apart from make and model. |
| vehicle_make | Text | Asked by most of the forms and specs we reviewed. |
| vehicle_model | Text | Asked by most of the forms and specs we reviewed. |
| coverage_level | List of Values | Asked by several of the forms and specs we reviewed. Liability only, Full coverage, Not sure |
| current_carrier | List of Values | Asked by several of the forms and specs we reviewed, each with an option for no current insurer. Carrier from your list, Not currently insured, Company not listed |
| vehicle_count | Numeric | Seen in several of the forms and specs we reviewed. |
| consent_certificate_url | URLs | Seen in a few of the posting specs and forms we reviewed. |
Every lead starts with these
| Field | Type |
|---|---|
| first_name | Text |
| last_name | Text |
| phone | Numeric |
| address_1 | Text |
| address_2 | Text |
| city | Text |
| state | Text |
| zip | Postal Codes |
| county | Counties |
Provenance
| Field | Type | Why |
|---|---|---|
| source_url | URLs | The page the lead was captured on |
| sub_id | Text | Ties every lead to the traffic source that produced it |
| consent_timestamp | Date & Time | When the consumer submitted the form |
| ip_address | IP Address | The address the form was submitted from |
This page does not state what the rules on consent require. They are published by the FCC and the FTC, and TCPAWorld tracks how they change. The full list of field types is on the lead fields page.
What you need to decide on a lead is not what you need to sell it
Every field carries four switches rather than one required flag.
Ping with zip, state, birth_date, currently_insured, current_carrier, homeowner, vehicle_year, vehicle_make, vehicle_model, vehicle_count and coverage_level. That gives an agent the driver profile without exposing contact details before the bid.
Shared, exclusive and priced by auction
Unlike most home services markets, shared leads are a standard product here, with a cap on how many agents receive each one. Several sellers state a cap, and two cap by carrier: one sells each lead to no more than a few agents, one per carrier, and the other calls its leads carrier-exclusive. One marketplace charges extra for an exclusive lead, and two sellers make exclusivity last only a set period before the lead may enter a shared pool.
Price is often set by bidding. Bid or auction models appear at 10 companies: one auction charges only enough to beat the next price, one lets buyers set prices above a minimum floor, and one offers automatic bid recommendations. Custom quotes (28) and per lead pricing (42) are the most common models overall.
Read the terms. One seller's marketing says one lead, one agent while its terms say non-exclusive unless agreed in writing, one's category pages say exclusive while its FAQ says leads go to a small number of buyers, and one's product pages say exclusive while its buyer agreement says some leads were previously sold. In Juiced the highest bid wins each lead, so an agent who wants exclusivity bids for it lead by lead.
How agents fund and start
Funding leans prepaid. 17 of the 68 mention a prepaid or funded account, a few auto-recharge a card or send low-balance alerts, and one adds a match on new agents' deposits. Two refund an unused balance on cancellation, while two others say unused funds are non-refundable or expire after a set period.
Eleven set a minimum: a pre-fund before activation and a monthly spend to stay active, an initial deposit, a minimum order per purchase, fixed-size packs, a set monthly lead count, a weekly minimum spend, or call credits bought upfront. Others advertise no minimums, and one says no minimums on its marketing pages while its signup form requires a minimum first payment. 19 offer self-serve signup.
Ask every agent for a funded balance before leads flow, with no free sample leads and no promised count by a date. In Juiced the agent funds a wallet and is charged as each lead is delivered.
Returns: a precise list, a window and a cap
38 of the 68 say something about returns, and the larger sellers publish exact lists. Credited reasons include duplicates within a set window, leads outside the buyer's filters or geography, bad, fax or disconnected numbers, fake names, students, agents testing, a language barrier, a consumer who did not request a quote and, at two sellers, a shopper already insured with the agent's own carrier. One credits leads missing consent records. Returns are filed in a portal within a set window and credited to the balance, not refunded.
A few limit returns further. One accepts returns only up to a set share of monthly purchases, one audits buyers with high return rates, and one replaces whole batches above a set invalid rate. A few rule out no answer, lost interest, choosing another agent and no sale. At the other end, several companies say all sales are final or payments are non-refundable, and several sell aged leads as is.
- Publish the exact list of returnable reasons, the window and whether there is a cap.
- Decide whether a shopper already insured with the agent's carrier is returnable, since captive agents will ask.
- In Juiced, approved returns are credited back to the agent's wallet.
Aged leads, consent records and the supply side
Aged leads are a market of their own. 19 companies sell them, and three price them by age, so the price falls as the lead gets older. One aged store adds every purchase to the buyer's suppression list so the same lead is not bought twice.
Consent records are widespread: 37 of the 68 mention consent and 15 name a third-party consent certificate. Several also say what a certificate does not do. One states that certificates do not by themselves prove compliance, one that buying a lead does not transfer consent, and 10 put do-not-call or consent compliance on the buyer. Four companies' consumer terms say contact may occur even if the number is on a do-not-call list, and two scrub against known litigators. The rules are published by the FCC and FTC.
31 of the 68 buy from others, through ping post, direct post, affiliate networks, tracking links with sub IDs and marketplace listings. Payouts are per lead, per call, per action or revenue share, weekly or monthly, sometimes above a payment threshold, and can be withheld for suspected fraud. 8 ban incentivized traffic, one requires a consent certificate on every lead and bans anyone but the consumer filling the form, and one ranks sources into tiers by transfer rate with new sources starting at the bottom. Keep a source sub ID on every lead.
How Juiced runs an auto insurance lead business
Buyers fund a wallet
Each buyer adds funds before leads arrive and is charged as each lead is delivered. Approved returns are credited back to the wallet. No invoices to send and no payments to chase.
Buyers set filters and caps, then bid
Each buyer filters on your fields and caps how many leads they take. They bid above your minimum, and the highest bid wins the lead in seconds.
Delivery goes where the buyer works
By webhook into the buyer’s CRM, by email or by text.
Unsold leads go to your marketplace
A lead no buyer takes is not dropped. It goes to your own marketplace, where its price falls until someone buys it outright or a standing buy order picks it up.
Related
- Auto insurance lead buyers and sellers: every company in this market, checked against its own website
- How to sell auto insurance leads: who buys, what to screen for and the order to build in
- Insurance lead distribution: the wider vertical
Frequently asked
Should I sell auto insurance leads shared or exclusive?
Both sell here. 42 of the 68 companies in our directory sell exclusive leads and 18 sell shared leads, usually with a stated cap on how many agents receive each one, and two cap shared leads by carrier. Put exclusive and shared on separate lead types so agents bid on what they expect.
What do auto insurance agents filter on?
State and ZIP code, then insured status and current carrier, vehicles and drivers, homeownership, driving record and risk tier. In Juiced, agents set filters and caps on those fields.
What should an auto insurance return policy cover?
The published lists here credit duplicates, out-of-filter leads, bad or fax numbers, fake names, students, agents testing, language barriers and consumers who never asked for a quote, within a set window, as account credit. Decide whether a shopper already insured with the agent's carrier counts, and whether there is a cap.
Why do so many auto insurance sellers require a prepaid balance?
17 of the 68 mention a prepaid or funded account, and several set a minimum deposit or auto-recharge a card. It keeps buyers paying as leads arrive. In Juiced the agent funds a wallet before leads arrive and is charged as each lead is delivered.
Is there a market for aged auto insurance leads?
Yes. 19 companies sell aged leads, and three lower the price as the lead ages. In Juiced, leads no buyer takes go to your own marketplace, where the price falls until someone buys with Buy Now or a standing Buy Order.
Who is responsible for consent and do-not-call checks?
What do auto insurance leads sell for?
No prices are published here. Sellers rarely publish them, and what an auto insurance lead sells for depends on whether it is exclusive or shared, a web lead or a call, the geography, how fresh it is and how many buyers want it. The pay-per-lead pricing guide shows how to work out your own floor from cost and let buyers bid above it.
Does Juiced handle auto insurance calls or live transfers?
No. Juiced distributes web leads and delivers them by webhook, email or text. It does not track or route phone calls, so if calls are part of your product you need call tracking software for that side.
Sell more of the auto insurance leads you already generate.
Funded buyers, bids above your minimum, and a marketplace for the leads nobody took the first time.
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