Are EverQuote leads worth it for insurance agents?

EverQuote leads can be worth it if your office calls each lead within minutes and you judge the leads by cost per sale. A shared lead is also sold to other agents, so a slow reply or a low close rate turns it into a cost with nothing to show for it. Run a capped one-month test before you commit more money.

Key facts

• EverQuote had about 6,000 enrolled agencies at the end of 2025, and auto insurance made up 91% of its revenue (2025 annual report).
• A shared lead goes to at most three agents, and to only one agent per carrier (EverQuote Pro FAQ).
• You can return a lead within 30 days, up to 20% of the leads you bought that month, according to the FAQ.
• EverQuote publishes no price list. Prices are set by its own pricing models (Pro terms).

What does EverQuote sell to agents?

EverQuote runs quote-comparison sites. Shoppers fill in a form, and EverQuote sells those inquiries to carriers and agents as clicks, data and calls, according to its annual report. Agents buy through a self-service account called EverQuote Pro.

Through Pro you can buy two kinds of lead:

• Auto and home data leads. The shopper's details from a quote form, which you then call.
• Auto and home inbound calls. The shopper calls you. You have 120 seconds to reject a call at no cost.

EverQuote left health insurance in 2023. It has sold life leads in the past, so check the current product list before you plan around them.

What is the difference between shared and exclusive leads?

A shared lead goes to up to three agents. EverQuote's exclusive leads page says a shared lead reaches 1.7 agents on average. An exclusive lead goes to you alone and costs more, and the FAQ says you have to buy shared leads to get exclusive ones.

"Exclusive" describes how EverQuote distributes the lead, not how the shopper behaves. Someone who filled in one quote form may have filled in three more elsewhere.

Read this before you pay for exclusive leads: EverQuote's terms say that "regardless of whether a Lead is shared or exclusive, EverQuote retains the right to remarket or otherwise contact all Leads" (Pro terms).

On a shared lead, the shopper talks to whichever agent reaches them first. Your response time is part of the price, which is why replying in minutes matters more here than anywhere.

How does EverQuote price its leads?

The FAQ says prices depend on the product and the lead's risk profile. The terms say EverQuote may use "variable pricing models, algorithms, machine learning, and/or AI to set prices." Average prices quoted on other websites don't cite a source. Ask EverQuote for prices on your own ZIP codes and risk profiles instead.

The account terms are flexible:

• There is no minimum term or minimum spend, and you can cancel at any time.
• You keep a prepaid balance, which can top up automatically.
• Unused balance is refunded. A deposit that earned a match credit is not.

You choose ZIP codes, risk profiles, days, hours and a daily lead cap. Set the cap to the number of leads your staff can call the same day.

Can you return bad EverQuote leads?

You can return a lead within 30 days, up to 20% of that month's leads, according to the FAQ. The terms add that refunds and returns "are at the sole discretion of EverQuote." Treat 20% as a ceiling, and log the reason for every return: wrong number, no such person or duplicate.

Agent complaints we found online mention the return cap and lead quality. Those sources are few, mostly anonymous and undated, so we can't give a fair count of good and bad experiences. Ask agents in your state or carrier group about their return rates.

Who is responsible for the calling rules?

You are. EverQuote's quote form asks shoppers to agree to calls and texts from EverQuote, its partners and "one or more agents or brokers," including automated calls. The Pro terms still make each agent responsible for the Telephone Consumer Protection Act (TCPA) and Do Not Call rules.

A Federal Communications Commission (FCC) rule that would have required consent for each business separately was struck down in January 2025, before it took effect. State limits on calling hours and texts still apply. Record which lead you called, when, and what consent came with it.

How do you test whether EverQuote pays?

Compare cost per sale, not cost per lead. Run one month with a daily cap, call every lead within minutes, and mark each one as reached, quoted, sold or returned. EverQuote doesn't publish its prices, so use the figures from your own account:

Then compare your cost per sale with what one customer is worth to you. In the newest National Association of Insurance Commissioners (NAIC) data, the average auto premium is $1,438 a year per insured vehicle. Kept for three years at 78% retention, it brings in $3,435 of premium, worth about $412 at a 12% commission.

The break-even worksheet shows the calculation with your own rates. If your cost per sale is above your value per sale, change the filters, the follow-up or the channel.

If you would rather compare EverQuote with ads that send shoppers only to you, our Google Ads management is 10% of total monthly ad spend.

Should you buy EverQuote leads or run your own Google Ads?

Both put you in front of people shopping for insurance. The difference is who the shopper contacted.

EverQuote is quicker to switch on and needs no website. Your own ads take setup, but each inquiry came to your agency first. Some agencies run both while their campaigns build up. Our guide to lead sources compared covers search engine optimization (SEO) and Meta Ads too.

Bring your EverQuote cost per sale to a Google Ads strategy call and we will compare it with what your own campaigns would need to beat.