Auto insurance leads filtered by state, vehicle, coverage and homeowner status, delivered live, in real time or as aged files.
Auto insurance leads are consumers who have asked for a car insurance quote, delivered with contact details, vehicle information and current coverage so an agent can start a real quote conversation. LeadsDataServices has supplied wholesale leads since 2005 and serves 500+ call centers across 20+ verticals. In auto insurance, the detail on the record decides whether your call is a quote or a wasted dial.
Our buyers include independent agencies that quote several carriers, captive and exclusive agents with one appetite, brokers, and carrier call centers. Each wants a different file. An independent agency can work broad driver profiles, while a carrier desk with a narrow appetite needs vehicle, usage and coverage filters applied before the lead arrives.
We build each file from your spec through 300+ custom data filters: state, vehicle year and model, usage, yearly mileage, current coverage, homeowner status and more. You choose the format, from a live transfer to an aged file, and the state list follows your producer licenses. A driver who reports a long daily commute and high yearly mileage is a different quote than a weekend driver with a garaged car, and filtering on usage and mileage lets you route each to the producer or carrier appetite that fits.
Drivers shopping for insurance may also be shopping for other products. If your shop sells service contracts or financing alongside policies, see our auto warranty leads and auto loan leads. For the full set of policy types, start at our insurance leads page.
Records carry vehicle year, model, usage and yearly mileage, so your agent opens with the car the driver actually owns instead of asking from scratch.
Current coverage level and requested coverage show whether the driver is comparing a renewal or buying new, which shapes your first minute on the phone.
A homeowner field lets a multi-line agency target drivers who may also fit a home or bundled policy, and lets a monoline desk skip that conversation.
You name the states where your producers hold licenses, and we deliver only there, so no agent is handed a driver they cannot quote. If you license producers in new states later, you add them to the spec and the next file reflects it.
Choose a real-time exclusive lead when speed matters, or an aged 30 to 90 day file when you want lower cost and a patient cadence. Each ships as its own spec.
Phone records are DNC-screened with consent documentation, you can send a suppression list before delivery, and verified bad records are replaced under our accuracy guarantee.
Write the spec before you ask for a count. List the states where your producers are licensed, the vehicle ages you will quote, any coverage or homeowner filters, and the format. Send it through our contact page for a free count and quote. Pricing depends on filters, format, exclusivity and volume, so a clear spec gets you a number faster.
Order a test batch first and track it end to end: contact, quote, application and bound policy. Change one filter at a time, and keep live transfer, exclusive and aged files in separate buckets so you can see which one earns its cost. Compare bound policies per dollar spent rather than quotes per lead, since a cheap lead that never binds is the most expensive file you can buy. Our auto insurance leads buying guide walks through how to read a test.
Licensing comes first. The NAIC notes that people who sell, solicit or negotiate insurance must be licensed, and state insurance departments oversee producer licensing, so route each lead to a producer licensed for the consumer's state. On the call, confirm the vehicle and current coverage, explain that a quote depends on the carrier's underwriting, and promise no rate before quoting is complete. If the driver is not in your state or not ready to quote, log the outcome and suppress the record so the next dial is not wasted.
Dialing rules sit with you. The FTC runs the National Do Not Call Registry and sellers must scrub their calling lists against it, while FCC rules require prior express written consent before robocalling consumers. We screen phone records and document consent, but your platform and calling practices are your responsibility. This is operating guidance, not legal advice, so have counsel review your state list.
| Format | Cost | Conversion | Best For |
|---|---|---|---|
| Live Transfer | $$$$ | Highest | Agents who want a shopping driver on the line now and can quote immediately |
| Real-Time Exclusive | $$$ | High | Agencies that call within minutes and want the lead to themselves |
| Targeted Data List | $$ | Moderate | Teams with a defined cadence, mail or email follow-up and a clear state list |
| Aged 30-90 Day | $ | Lower | Patient re-quote programs, renewal-season outreach and testing a new spec cheaply |
NAIC: Producer Licensing | FTC: National Do Not Call Registry FAQs | FCC: Telemarketing and Robocalls
Every record carries the consumer's contact block: first and last name, address, city, state, ZIP, phone and email, plus the date the request was posted. State and ZIP are the fields your licensing and routing rules key on, and they are normalized so a state filter works the same way across files. Phone and email give your team more than one way to reach the driver, and the post date tells you how fresh the request is before you decide how fast to call.
The insurance fields describe the driver and the car: whether the driver is currently insured, current coverage level, requested coverage, homeowner status, and per vehicle the year, model, submodel, cylinders, usage, miles, yearly mileage, garage type, security system and whether the vehicle is leased. Not every field is populated on every lead, and the filters you set decide which ones are required for your file. A homeowner field is the one multi-line agencies ask for most, because it flags a possible home or bundled policy conversation.
The sample on this page shows the layout of one fictional record. Consent documentation for the phone number travels with the record, and the file includes the post date so you can see how old each lead is before you dial. If a record you verify is bad, we replace it under our accuracy guarantee.
The three tabs below show the filters a Auto Insurance Leads order can be built on, a sample qualification script your agents can adapt, and one sample record. Contact details in the sample are placeholders that show the layout, not a real person.
Hi, may I speak with (First Name)?
Mr./Ms. ______, this is _______ with _______ Insurance Agency. The reason for my call is that you asked online for an auto insurance quote, and I am following up on that request.
Do you have a few minutes now to go over your vehicle and your current coverage? (Must be "YES")
I understand. I only have a few questions, and you can stop at any point. If now is a bad time, I can call back when it suits you, or I can note that you prefer not to be contacted.
Thank you. A licensed agent will review your answers and walk you through the options available in your state; no rate or approval is promised until quoting is complete.
Contact us today to get a free count and quote. Quick delivery, competitive pricing, and unmatched quality.
Contact Us →Send a short spec to our team: the states where your producers are licensed, the vehicle and coverage filters you want, and the format (live transfer, real-time exclusive, targeted list or aged file). We return a free count and quote. Start with a small test batch, track quotes and bound policies by source, then scale the spec that works.
Yes. State is the first filter most buyers set, because producers must hold a license for the consumer's state. Beyond that you can filter on vehicle year, model, usage, yearly mileage, current coverage level, homeowner status and whether the vehicle is leased, among 300+ custom data filters.
A real-time exclusive lead is delivered to you as the consumer asks for a quote, and it goes to one buyer. An aged lead is typically 30 to 90 days old, costs less and suits patient follow-up. Exclusive files reward fast first calls; aged files reward steady cadence and a good re-quote offer.
Selling, soliciting or negotiating insurance requires a producer license, and licensing is handled state by state. Your agents should hold a license in the consumer's state before they quote. The NAIC and your state insurance department explain the process. Ask counsel to review your state list.
Phone records are DNC-screened and consent documentation travels with each record. You can also send a suppression list to run before delivery. Your own dialing practices remain yours, and TCPA consent rules for autodialed calls and texts still apply to how you call, so have counsel review your process.
An auto insurance lead is a driver asking for a coverage quote, with vehicle and current-policy details. A warranty lead wants a vehicle service contract, and a loan lead wants financing. The same driver can appear in more than one vertical, but each intent has its own file, script and licensed seller.