Contents
- These ranges reflect market rates across the US lead buyer ecosystem as of early 2026, confirmed by operational pricing across active verticals:
- Three factors determine where a lead falls within these ranges.
Insurance lead prices in 2026 range from $15 per shared auto insurance lead to $200+ per exclusive annuity lead, depending on vertical, exclusivity, and qualification depth. Shared leads (sold to multiple buyers) cost 40-60% less than exclusive leads (sold to one buyer only), and more complex products like life insurance and annuities command higher prices because conversion requires more qualification data.
Current price ranges by vertical
These ranges reflect market rates across the US lead buyer ecosystem as of early 2026, confirmed by operational pricing across active verticals:
| Vertical | Shared Lead | Exclusive Lead |
|---|---|---|
| Auto Insurance | $15-45 | $25-70 |
| Life Insurance | $30-80 | $50-150 |
| Annuities | $50-120 | $80-200+ |
| Personal Finance | $25-60 | $40-120 |
| Legal (HOA/Property) | $25-50 | $40-100 |
According to QuoteWizard's 2025 industry report, average insurance lead costs have risen 12-18% over the past two years, driven by increasing digital ad costs (Google Ads insurance CPCs averaging $50+ per click) and tighter compliance requirements under TCPA and state-level regulations. MediaAlpha's Q3 2025 earnings reported average auto insurance lead prices at $28-42 depending on geography and carrier appetite.
What drives the price
Three factors determine where a lead falls within these ranges. First, exclusivity: a shared auto lead at $15 goes to 3-5 buyers, while an exclusive lead at $70 goes to one buyer who gets first-and-only contact. Second, qualification depth: a lead with verified vehicle information, current coverage details, and credit tier data commands more than a basic name-and-phone submission. Third, volume commitment: buyers purchasing 500+ leads per month typically access the lower end of these ranges.
From the operator side, the cost structure matters. Stealth Labz infrastructure runs at approximately $825 per month total operating cost — replacing $19,909 per year in SaaS subscriptions and $62,731 in contractor costs that were previously required to operate lead generation across 7 verticals and 2 geographies. That cost structure directly affects lead pricing competitiveness: when your infrastructure cost is near zero, your margin on every lead sold is structurally higher than competitors running on $1,500-2,500/month platforms like LeadsPedia or TUNE.
Volume discounts are standard at 500+ leads per month across all verticals.
Related: What is the difference between shared and exclusive leads?
References
- QuoteWizard (2025). "Insurance Lead Cost Benchmarks." Lead pricing data by vertical.
- MediaAlpha (2025). "Q3 2025 Earnings Report." Auto insurance lead pricing trends.
- Keating, M.G. (2026). "The Compounding Execution Method: Complete Technical Documentation." Stealth Labz. Browse papers