A market built on lead economics
The US auto insurance market is one of the largest and most competitive performance verticals in the country. Premiums run into the hundreds of billions of dollars a year, and most shoppers compare several options before they buy. That dynamic makes the lead — a consented, in-market prospect — the unit the whole ecosystem trades on, with carriers, agents, and aggregators all competing to reach the same shoppers first.
How Calma generates auto insurance leads
We run user-acquisition campaigns across paid social and video, then qualify and route the resulting prospects to buyers. AI identifies the audiences most likely to be shopping for coverage; creative is tested continuously and optimized to cost per qualified lead; and every record is checked for authenticity, consent, and contactability before it leaves our system. The result is a lead stream measured by what happens downstream — contact rate and buyer conversion — not by how much traffic we can push.
Compliance comes first
Auto insurance is a regulated, consent-sensitive vertical, and the rules keep moving. We build consent capture and verification into the funnel from the start — designed around TCPA and the FCC one-to-one consent framework, with Special Ad Category requirements applied on Meta where relevant. Compliance is treated as a precondition for a quality lead, not an afterthought.
