Best insurance lead companies for new agents, judged on minimums and terms

How did we choose lead companies for new agents?

A new agent needs a lead source that is cheap to try, easy to understand and honest about what happens when a lead or call turns out bad. So the best insurance lead companies for new agents are not simply the biggest ones; they are the ones that let you start with a small deposit or none, print their prices or billing rules, publish a return or credit policy, and work from a plain web dashboard without a CRM. We picked eight companies whose own sites meet most of those tests, and we say plainly where each one falls short. Nothing on this page predicts income or sales, because your results depend on your line, your licensed states, your script and how fast you follow up. Every fact comes from each company's website as checked on November 2, 2026, and every price is shown with its unit as published.

• A low first purchase: no minimum, or a small deposit or order.
• Published prices or billing rules: what you pay and when your card is charged.
• A written return or credit policy, with its window and cap.
• Simple tools: a web dashboard, email delivery or a browser phone, with no CRM required.
• An easy exit: no long contract and a clear rule for unused balance.

For the fundamentals, start with buying your first inbound calls as a new agent, and use the vendor vetting guide for the questions to ask any company below.

How do the lead companies for new agents compare?

Which lead companies fit new auto, home and multi-line agents?

Most low-entry lead programs here are built for auto and home agents, some with carrier subsidy programs for captive agents. EverQuote, HomeTown Quotes, MediaAlpha and insuranceQuotes sell shared leads by default, so expect other agents to call the same shopper, and speed of follow-up matters. PX Local does not say whether its leads are shared.

EverQuote: for P&C agents who want onboarding and a long return window

EverQuote Pro sells shared and exclusive real-time leads, inbound calls and warm transfers to auto and home agents, and its pricing FAQ also names life. There is no minimum period or spend: data lead accounts recharge when the balance falls to $25 or less, and call accounts at $100 or less. Returns can be submitted up to 30 days after purchase, capped at 20% of the leads you buy each month.

For a new agent, the support is the draw: EverQuote lists a New Customer Onboarding program, a Customer Success team and phone support on weekdays. The catch is price visibility, since prices vary by product and come from its sales team, and shared leads go to up to three agents. See Callmart vs EverQuote for more detail.

HomeTown Quotes: for captive agents in carrier lead programs

HomeTown Quotes sells real-time auto, home, renters, life and health leads, sold four or fewer times, with exclusive options. It takes part in carrier programs such as the Farmers AGP Store, Allstate Lead Marketplace and COUNTRY Financial Co-Op, and offers up to $250 in bonus bucks to Allstate, Nationwide, State Farm and Farmers agents, with restrictions. All new agents qualify for a deposit match, though the match amount is not published.

Pricing is custom by product type and risk class and not printed, but filters are free. Your deposit draws down as leads arrive and re-bills automatically at $50. It credits invalid contact information, non-consumers, recycled leads and 30-day duplicates, and it runs an agent education program called Hometown University. That site also promotes live call transfers for auto, home and life, so ask HomeTown Quotes for call terms if you want them.

MediaAlpha: for agents who want to bid or buy at a fixed price

MediaAlpha for Agents is a lead-buying platform for auto, home and life, with accounts set up by its Client Success Team. You can bid through its right-price model or browse and buy at a fixed price, with filters for geography and consumer type, schedules and daily caps. The minimum deposit is $250 by card, there is no minimum spend and no minimum contract term, and remaining funds are refunded on cancellation, excluding matching or referral bonuses.

Its return rules are the clearest in this group: requests within 72 hours are approved instantly, requests are accepted up to 7 days, and the cap is 20% of monthly leads. Shared leads can go to up to four buyers, it sells leads only (no calls), and it does not promise a set number of leads per day. See Callmart vs MediaAlpha.

PX Local: for independent auto agents on a daily budget

PX Local is PX's self-serve lead platform for independent insurance agents, and its homepage lists a $25 average lead price. Auto is its only live insurance vertical; life and health are listed as coming soon and home as on the way. You choose a territory, a daily budget, a delivery schedule and lead types, and signup does not require a sales call.

You need a $500 minimum balance to start, with a $0 setup fee, no contracts and refundable unused funds. Each lead shows its source, consent timestamp, lead age and price before you buy it, and a bad lead can be returned with one click for immediate credit. These are leads you call, not calls you answer. See Callmart vs PX.

insuranceQuotes: for multi-line agents who want carrier filters

insuranceQuotes, which says it formerly operated as NetQuote and which AWL describes as its lead division, sells shared leads, live calls and clicks across auto, home, health, Medicare, life and small business. Its FAQ says new agents typically start with a $50 credit level and are billed when the balance reaches it; you can instead prepay and recharge when funds fall to 25% of your chosen amount. Invoices are bi-weekly only.

Prices are not published and filters cost extra, though a Max Bid setting charges only what you need to beat a competing buyer. Shared leads go to three to four agents on average, ZIP code exclusivity is no longer offered, and calls are enabled separately from lead packages. An optional monthly Service Plan lets you pause for up to 10 days at a time (without it, pausing is limited to once a week for up to 3 days) and adds weekend lead discounts, but its fee is not published. See Callmart vs insuranceQuotes.

Which options fit new health, life, Final Expense and Medicare agents?

Health and senior-market agents face a different first choice: an exclusive lead auction, cheap aged records to dial, or live inbound calls. Each of the three below makes one of those paths easy to start.

NextGen Leads: for health, life and Medicare agents who want exclusive leads

NextGen Leads sells exclusive real-time leads, calls and warm transfers for under-65 health, life, Medicare Supplement and Medicare Advantage on a self-serve auction. There is no charge to create or use an account, no minimums, and optional auto-funding. Prices vary by vertical and lead type; its lead pages list starting prices of $4 per data lead and $35 per call lead for health and life, and $8 and $45 for Medicare. The auction is second-price: its FAQ example shows a $12.00 bid against a $10.00 bid paying $10.01.

You set delivery days and hours, and you can pause or start campaigns from its Buyer Dashboard without calling support. Data lead returns are capped at a percentage that varies by vertical and is not published, while live transfers are reviewed daily with no cap. It does not sell auto, home or commercial leads. See Callmart vs NextGen Leads.

Aged Lead Store: for agents who will dial, email or mail older leads

Aged Lead Store is a self-service store for aged internet leads, from days to months old, with prices printed by age and quantity. Final Expense and life leads run $0.25 to $4.50 per lead, IUL leads $2.00 to $6.00, and health leads $0.20 to $2.50. The minimum order is $100 across all products, with no deposits, setup fees or recurring billing, and leads download as a CSV right after checkout.

Its own pages disagree on returns: the FAQ offers to replace up to 20% of leads for wrong numbers, disconnects or consumers already insured by your firm, while the terms say all sales are final and non-refundable. The terms also put TCPA consent and Do Not Call scrubbing on you, license each order for three months, and the store has stopped selling leads in several states. Aged leads mean outbound calling, which carries rules a live inbound call does not.

Callmart: for new agents who would rather answer than dial

Callmart sells inbound phone calls, not lead records, so the consumer is already on the line when the call reaches you. Retail prices start at $25 per call, and each price is tied to a buffer: a 90-second Medicare Advantage call is $55 and a 30-second Final Expense digital call is $40, as of November 2, 2026. Bulk buyers can apply for lower wholesale rates quoted per account.

Creating an account is free, there is no subscription or minimum spend, and a solo account's phone line is free. The browser softphone works with a headset, so you need no desk phone, and the iPhone app takes calls too. A first deposit earns call credit ($50 on a first deposit of $250, $150 on a first deposit of $500, $300 on a first deposit of $1,000); it applies to the first deposit only and is not cash. A call that never connects or ends before your buffer is not billed, and you can request a credit on a billed call, which Callmart reviews before deciding. Calls are not exclusive, and someone has to be ready to answer.

Who should choose leads, and who should choose inbound calls, as a new agent?

Choose leads if you have time to dial and follow up for days, a dialer or a simple CRM, and a budget that has to stretch. EverQuote charges extra for exclusive leads, but shared leads reach several agents, so the first call usually matters most. Aged leads are the cheapest records and demand the most outbound work.

Choose inbound calls if you would rather spend your hours talking than dialing, can keep a phone ready during set hours, and want to know your cost per conversation before you start. The inbound calls vs shared leads and inbound calls vs aged leads comparisons lay out both paths in more detail.

What should a new agent check before buying the first leads?

1. 01Match the company to your lineA personal lines lead program does nothing for a Final Expense agent. Check the lines on the company's own agent page, not on an ad.
2. 02Limit delivery to licensed statesSet geography to the states where you hold the right license. Callmart, for example, lets each line accept calls only from the states you choose and leaves licensing to the buyer. Licensing basics covers non-resident licenses.
3. 03Read the return policy before the priceFind the window, the cap and the reasons that count. A 72-hour instant return and an all-sales-final clause are very different safety nets.
4. 04Start with the smallest buyUse the minimum deposit or order, not a package. Write down what you spent and what you placed.
5. 05Measure cost per saleDivide spend by policies placed for each source. The lead ROI guide and the close rate guide show the math.
6. 06Know how to leaveCheck what happens to unused balance, bonuses and subscriptions when you stop buying.

Common questions