Insurance Leads in Texas
Get exclusive, pre-qualified insurance leads in Houston, Dallas, Austin and across Texas. All verticals and formats available.
Insurance Market in Texas
Texas has a population of 30.5M, with a median household income of $67,321. The state's homeownership rate of 62.3% creates strong demand for property and casualty coverage, while 16.6% of residents remain without health insurance — a significant opportunity for ACA, Medicare, and supplemental health agents. With 13.1% of the population aged 65 and older, Texas is a prime market for Medicare Supplement, Medicare Advantage, and final expense products. Households in the state average 2.0 vehicles, fueling consistent demand for auto insurance quotes and multi-policy bundling. Texas has the highest uninsured rate in the nation at 16.6%—over 5 million residents lack health coverage—making it the single largest market for health insurance lead generation. For agents serving Texas, InsureLeads generates pre-qualified leads across all nine verticals — final expense, Medicare, ACA/health, life, IUL, annuity, auto, homeowners, and commercial truck — in three delivery formats: real-time exclusive web leads, live transfers, and aged leads.
Texas's 65+ population stands at 13.1%, which is below the national average — but that means less agent competition in the Medicare space. Early movers who establish a presence in Houston and Dallas for Medicare Supplement and Advantage plans can capture market share before the state's aging population catches up with national trends.
Texas has a higher-than-average uninsured rate at 16.6%, representing a significant untapped market for ACA marketplace and individual health insurance agents. Many of these uninsured residents in Houston and surrounding areas qualify for premium subsidies but have not enrolled — often because they lack access to professional enrollment assistance. Agents who invest in ACA leads in Texas are positioning themselves to serve an underserved market with strong subsidy-driven demand.
The median household income of $67,321 in Texas positions the state squarely in the middle market — the sweet spot for final expense, term life, and auto/home insurance leads. Families in Houston and Dallas are cost-conscious but value quality coverage, making them responsive to agents who can present competitive options with clear value propositions.
As of 2024, Texas had approximately 4.77M Medicare beneficiaries (KFF State Health Facts), and nationally about 55% of beneficiaries are enrolled in Medicare Advantage (KFF, 2026) — a core driver of demand for Medicare, Medicare Supplement, and final expense leads across Texas.
What makes Texas different from the state next to it
Demographics tell you how big the TX market is. They do not tell you how it is regulated, how long it takes to get licensed here, or how much of the Medicare book is actually reachable by an independent agent. Every figure below is cited to the source it came from.
The exam is the gate in Texas, and the classroom is the renewal
The Texas Department of Insurance carries a wider remit than most state regulators, describing itself as the body that regulates the state's insurance industry, oversees the Texas workers' compensation system, and includes the State Fire Marshal's Office. For a producer the consequence shows up at renewal rather than at entry. The NAIC's producer-education chart records no statutory prelicensing hour requirement for the life and accident-and-health lines in Texas, so nothing stands between a candidate and the exam except preparation. Texas then attaches an unusual condition to continuing education: 24 hours with 3 in ethics, of which 50% must be completed in a classroom setting. Most states stopped specifying delivery format years ago; Texas still does, and an agent who books a full self-paced CE package will finish the hours and still fail the requirement. Two escape hatches exist in the statute — producers continuously licensed for 20 years are exempt from CE outright, and up to 4 hours of credit are available for active participation in an insurance association.
Sources: Texas Department of Insurance; NAIC, Producer Education and Examination Requirements (PR-20).
In Travis County, two parent organizations hold 78% of Medicare Advantage
Medicare Advantage distribution in Texas concentrates at the county line, not the state line. KFF's 2026 enrollment analysis names Travis County — Austin — among 889 counties nationally, 28% of all U.S. counties, where UnitedHealth Group and Humana together hold at least 75% of Medicare Advantage enrollment; in Travis the two organizations hold 78%. Those same two parent organizations account for 46% of Medicare Advantage enrollees nationwide, split 26% to UnitedHealth Group and 20% to Humana. The buying implication for a Texas agent is about contracts rather than volume: in a county structured like Travis, a Medicare lead worked without a UnitedHealthcare or Humana appointment is a conversation in which the two plans the prospect is most likely already comparing are absent from your shelf. Contract breadth, not lead count, is what converts Texas metro Medicare demand.
Source: KFF, Medicare Advantage in 2026.
Getting licensed to sell in Texas
These are Texas's own figures from the NAIC producer-education chart, for the life and accident & health lines this site's book of business runs on — not a national average. What separates Texas from its neighbors is the rule underneath.
Texas — Requires 50% of CE in a classroom setting. Agents continuously licensed for 20 years are exempt. Up to 4 hours credit for active insurance-association participation.
| Prelicensing | No statutory provision |
|---|---|
| Continuing education | 24 hours for life, accident and health and property/casualty; 5 hours annually for limited life, accident, health and P/C licences; 3 hours of ethics for all licensees. |
| CE compliance period | 24 hours per compliance period stated in statute, of which 3 are ethics |
| Statutes & regulations cited | Tex. Ins. Code §§ 4001.105; 4002.001; 4002.003; 4004.051 to 4004.054; 28 TAC § 19.1004 |
Source: NAIC, Producer Education and Examination Requirements (PR-20), Spring 2024; jurisdiction review date April 2024. This chart does not constitute a formal legal opinion by the NAIC staff on the provisions of state law and should not be relied upon as such. Every effort has been made to provide correct and accurate summaries to assist the reader in targeting useful information. For further details, the statutes and regulations cited should be consulted. Fees are not published in the NAIC chart and are deliberately not stated here. For all 51 jurisdictions side by side, see our state-by-state prelicensing and CE requirements comparison.
Texas guides by vertical
Written for TX specifically — metro-level demand, seasonality, state compliance rules, and which carriers actually matter here.
Available Lead Types in Texas
InsureLeads generates leads across all major insurance verticals in Texas. Where we have published a Texas-specific guide the card opens it; otherwise it opens that vertical's pricing and availability page.
Texas market guide
Texas market guide
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Top Cities in Texas
Insurance Leads in Texas — FAQs
InsureLeads generates leads across all nine major insurance verticals in Texas: final expense, Medicare, ACA/health, life, IUL (Indexed Universal Life), annuity, auto, homeowners, and commercial truck. Each vertical is geo-targeted to TX consumers who are actively requesting quotes or information, giving agents a direct pipeline to motivated prospects.
Leads in Texas are available in three delivery formats: real-time exclusive web leads sent directly to your CRM, live phone transfers connected while the prospect is on the line, and aged leads for agents seeking high-volume outreach at a lower cost per contact. You can choose one format or combine all three for maximum coverage.
Yes. Our real-time web leads and live transfers in Texas are 100% exclusive — each lead is delivered to a single agent or agency. Aged leads may have been previously distributed, but they are priced accordingly and remain highly responsive when worked with a strong follow-up sequence.
We cover all major metro areas and surrounding regions in Texas, including Houston, Dallas, Austin, San Antonio, and more. Our geo-targeting allows you to select specific cities, ZIP codes, or statewide coverage so your leads match the areas you serve.
Pricing for Texas leads varies by vertical and format, and the same per-lead rate card applies in every state — we publish it openly rather than quoting per buyer. See the pricing page for the current per-vertical rates for exclusive web leads, live transfers, and aged leads. Geographic targeting within Texas (county or ZIP) is available subject to inventory, and volume affects what a campaign can deliver at those rates.
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