Insurance Leads Cost: What You Really Pay Per Bound Policy

Insurance shoppers request multiple quotes by design. That makes the shared lead model especially brutal for agents: you're not just competing on price, you're competing to be the one call they pick up.

Typical price ranges

Shared insurance leads are often priced around $10–$20. Exclusive, opt-in insurance intent — auto, home, life and final expense — is priced $25–$80 on our desk depending on line and intent tier.

The close-rate assumption

Our calculator models a 3% bind rate on shared leads and 11% on exclusive verified leads. Your agency's real numbers will vary by line of business and follow-up speed.

Run the numbers

$2,000 on shared leads at $15 buys ~133 leads and about 4 bound policies — roughly $500 each. $2,000 on exclusive leads at $48 buys ~42 leads and about 4.6 policies — roughly $436 each, with a third of the call volume.

Compliance first

Insurance is a TCPA hotspot. Require express written consent naming your agency, a stored consent record for every lead and proof of consent on request. Never buy aged or 'multi-partner' consent leads.

Check exclusive insurance lead availability in your state, or run your own bind rate through the ROI calculator.