AWL vs EverQuote: leads, pricing and terms compared
AWL fits agents who sell many lines and want shared web leads and live transfers with no deposit. EverQuote fits auto and home agents who want real-time leads and calls from a prepaid balance with no minimum spend, plus optional follow-up calling and managed paid search. Both sell live transfers and neither requires a long-term contract.
Side by side
| AWL | EverQuote | |
|---|---|---|
| Lines Differs | Life, health, senior health, Medicare, annuity, disability, long-term care, auto, home, renters, commercial and business benefits | Auto and home |
| Lead types | Real-time leads and live transfers | Real-time leads and live transfers |
| Shared or exclusive Differs | Shared: real-time leads (all lines) Exclusive: live transfers (all lines) | Shared: real-time leads (all lines) Exclusive: real-time leads (auto) and live transfers (all lines) |
| Price Differs | Base price per lead by line and package, with an optional Max Bid. Geographic filters are free, other filters cost extra | Not published. Cost shifts with the product, the shopper's risk and any carrier subsidy |
| To start Differs | No deposit. Delivered leads are billed on the 1st and 16th, or sooner when a new agent reaches the $50 credit limit | Prepaid balance, no minimum |
| Contract | No long-term contract | None. Cancel any time |
| Returns Differs | Up to 10 days, as account credit | Up to 20% of a month's leads, within 30 days |
| Coverage | Nationwide | Nationwide |
| Sample leads published Differs | Life, health, senior health, annuity, disability, long-term care, auto, home, renters and commercial | None |
| Named integrations | None named | None named |
| Founded Differs | 2005 | 2008 |
| Headquarters Differs | Austin, Texas | Cambridge, Massachusetts |
Which one fits you
Choose AWL if
- You sell health, life, Medicare or small business as well as auto and home
- You want to start without a deposit
- You want clicks as well as leads and calls
Choose EverQuote if
- You mainly write auto and home
- You want exclusive auto leads
- You want help working leads through follow-up calling or managed paid search
Products and getting started
AWL
- Create an account on InsuranceLeads.com or InsuranceQuotes. There's no deposit or setup fee.
- Choose your lines and packages, then target by state, county, ZIP code and radius or area code, and add any filters.
- Set daily, weekly or monthly volume, a budget limit or hourly and daily call limits.
- Leads arrive by email, text, your online account or your CRM or rater.
- Your card is charged on the 1st and 16th, or sooner if you reach your credit limit, for leads already delivered.
EverQuote
- Sign up for EverQuote Pro. Captive agents can buy for one carrier and independent agents for one agency.
- Choose your lead types, ZIP codes, days and hours and a daily cap.
- Fund a prepaid balance by card. For data leads your card is charged the amount you chose once the balance falls to $25. For live transfers the threshold is $100.
- Leads arrive in EverQuote Pro and by email, or post into your lead system. Calls ring the number you choose.
- Try to reach each lead within three hours, which the terms ask of every agent.
Price and cost to start
Neither AWL nor EverQuote posts a price list, so real numbers only come once a rep quotes your territory. Where they part ways is cash flow. AWL takes no deposit and charges your card on the 1st and 16th for leads already sent, while EverQuote works from a balance you fund in advance and tops it up by card when data funds dip to $25 or call funds to $100.
Shared or exclusive
EverQuote limits a shared lead to three agents with one per carrier and puts the average at 1.7, while AWL's carrier-exclusive web leads reach 2 to 4 agents on average. EverQuote is the only one with exclusive web leads, for auto alone, and they cost more and have to be bought alongside shared ones. A live transfer from either company is yours alone.
Lead returns
EverQuote allows 30 days to ask for a credit against AWL's 10, but automatic credits stop at 20% of a month's leads and a returned lead is off limits for calling. AWL doesn't publish a cap and spells out the reasons it accepts. Neither pays cash, and on calls EverQuote lets you reject a transfer within 120 seconds while AWL reviews a bad one after the fact.
Contract and cancellation
You can walk away from either, since AWL and EverQuote both skip minimum terms. EverQuote refunds what's left in your balance when you cancel, unless the money is a first deposit it matched with credit, and admins can pause whenever they like. AWL holds none of your money ahead of time, and its optional monthly Service Plan adds pauses of up to 10 days.
Delivery and integrations
EverQuote drops data leads into its EverQuote Pro portal within seconds of the quote request, emails you each one and can post them to your lead system, though it doesn't list which systems. AWL offers more routes, including text and your rater or quoting engine, and sends leads on weekends too. Calls from both ring straight through to your phone.
Lead quality checks
AWL draws most shoppers to its own sites, like NetQuote, and describes its checks, from screening fake names and emails to matching ZIP codes with the phone prefix and IP address. EverQuote blends its own sites with a Verified Partner Network and names no validation steps, but sells only real-time leads and keeps form data for TCPA proof. Both get consent that covers automated contact even for numbers on the Do Not Call list.
Alternatives to AWL and EverQuote
- SmartFinancial sells live transfers and web leads, shared and exclusive. Three agents is the most a shared lead goes to.
- QuoteWizard sells real-time web leads in auto, home, renters, health, Medicare and life, shared or exclusive. Its WizardCalls live transfers cover home and auto.
- Hometown Quotes sells real-time leads for auto, home, life, health and renters, shared or exclusive, and live transfers for auto, home and life.
- MediaAlpha sells auto, home and life leads, shared by default with some sold as exclusive, that agents buy by bid or at a fixed price.
Frequently asked questions
Is AWL or EverQuote better for auto leads?
Both sell shared auto leads and auto live transfers. EverQuote also sells exclusive auto leads, while AWL web leads are shared. Test both in the same ZIP codes and compare cost per sale.
How do you pay AWL and EverQuote?
AWL bills delivered leads to your card twice a month, with no deposit. EverQuote draws from a prepaid balance with no minimum spend.
Do AWL or EverQuote require a contract?
No. Neither requires a long-term contract.
How we researched this. We based this comparison on each company's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.