State Farm
Agent-referral model with a 45-day cookie - the longest in the auto category
Aperçu
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.
Points forts
- 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
Limites
- 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
Structure de commission
| Modèle | CPL — par lead |
|---|---|
| Tarif publié | $12–$18 par lead qualifié |
| Fenêtre cookie | 45 jours |
| Conditions de paiement | Net 45 |
| Paiement minimum | $50 |
| Récurrent | Non |
| Niveau de commission | Moyen Économie intermédiaire solide |
Source: dlminds.com · Données vérifiées: 2026-10-28
Comment demander la commission
- 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.
Restrictions de trafic
Agent-level agreements may restrict which states you can target. No brand bidding.
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