State Farm
Agent-referral model with a 45-day cookie - the longest in the auto category
Resumen
State Farm is the largest US auto insurer by premium volume and works through a captive agent network rather than a direct-to-consumer affiliate model. The referral opportunity is therefore agent-based, which means longer cookie windows and higher lead values, but also more friction in getting set up and less predictable volume.
Puntos fuertes
- 45-day cookie window beats the 30-day category norm
- Higher lead values than direct CPL programmes
- Bundled home + auto leads are the most valuable in the category
Contras
- Agent-based setup is slower and less standardised
- Net 45 means longer cash flow cycles
- Volume depends on agent capacity in the user's area
Estructura de comisiones
| Modelo | CPL — por lead |
|---|---|
| Tarifa publicada | $12–$18 por lead cualificado |
| Ventana de cookie | 45 días |
| Condiciones de pago | Net 45 |
| Pago mínimo | $50 |
| Recurrente | No |
| Nivel de comisión | Medio Economía intermedia sólida |
Fuente: dlminds.com · Datos verificados: 2026-10-28
Cómo solicitar la comisión
- Identify the regional agent or marketing contact for the states you target - this is not a self-serve signup.
- Present your audience: state mix, homeowner share, bundled-interest content.
- Agree the lead definition in writing. Ask whether a quote request or a contact request triggers payment.
- Get the tracking arrangement in writing, including the 45-day attribution window.
- Configure the link in /go/ once live.
- Net 45 terms, $50 minimum.
This is the one programme where the 45-day cookie genuinely changes the maths. Auto insurance shoppers commonly research for several weeks, so a 45-day window captures conversions that 30-day programmes lose. Worth the extra setup friction.
Restricciones de tráfico
Agent-level agreements may restrict which states you can target. No brand bidding.
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