Auto insurance expiration lists surface policyholders nearing renewal so you can present competitive quotes, improve retention, and grow premium efficiently. Each record combines verified contact details with renewal timing, with optional vehicle and household indicators for better targeting.

What Are Auto Insurance Expiration Lists

These renewal datasets identify consumers whose auto policies are due within specific windows such as 90, 60, 30, or 14 days. By prioritizing these windows, agencies and carriers can schedule outreach cadence, align payment scenarios, and avoid lapses.

Benefits and Use Cases

Higher Quote Volume

Fill pipelines with renewal-ready prospects who are actively evaluating options.

Improved Retention

Protect book value with proactive renewal contact and loyalty incentives.

Efficient Conquest

Reach competitors’ policyholders as renewal approaches for savings comparisons.

Cross-Sell Growth

Bundle home, renters, roadside, and umbrella products to raise LTV.

Omnichannel Ready

Deploy email, compliant calling, direct mail, and digital retargeting.

Better Forecasting

Use renewal windows to predict quote and bind volume by period.

Key Data Points Included

  • Contact: Full name, mailing address, phone, and email
  • Renewal Window: Estimated days to expiration and window bands
  • Vehicle Indicators: Make, model, year when available
  • Household Signals: Multi-vehicle, teen driver, homeowners when provided
  • Geography: State, city, ZIP, and radius targeting
  • Engagement Flags: Email and phone readiness when available

How to Use Auto Insurance Expiration Lists Effectively

Align Cadence to Renewal Window

Start 60 to 90 days before expiration, then follow at 45, 30, and 14 days to increase quotes and binds.

Personalize Quotes

Reference vehicle and household context with clear coverage comparisons and savings scenarios.

Orchestrate Omnichannel

Coordinate email, mailers, compliant calls, and remarketing audiences for consistent frequency.

Promote Bundles and Loyalty

Use multi-policy discounts and safe driver benefits to lift retention and premium per policy.

Measure and Improve

Track quotes, binds, premium, and save rates. Test offers, subject lines, and cadence.

Maintain Compliance

Follow TCPA, CAN-SPAM, state privacy requirements, carrier guidelines, and internal do-not-contact processes.

Segmentation Ideas

By Renewal Window

90 to 61 days, 60 to 31 days, 30 days or less, or grace period segments.

By Household Profile

Multi-vehicle, teen driver households, homeowners, renters, or commuters.

By Vehicle Class

Luxury, mainstream, SUV and truck, EV and hybrid segments.

By Geography

Radius around offices, ZIP clusters, DMAs, or regions.

Pricing and Delivery Options

List Rental

Campaign-based access with defined usage terms; useful for conquest and seasonal efforts.

List Purchase

Best for ongoing programs that benefit from iterative optimization and reuse.

Custom Filters

Select renewal bands, geography, household signals, vehicle indicators, and suppression rules.

Subscriptions

Monthly or quarterly refreshes to maintain a steady pipeline of expiring policies.

Frequently Asked Questions

How far ahead of expiration targeting runs

Common windows are 90, 60, 30, and 14 days before the estimated renewal date, with cadence increasing as the date approaches.

Whether lists can be filtered by household or vehicle

Yes. Apply filters for multi-vehicle households, teen drivers, homeowners, and available vehicle indicators.

Which delivery formats are available

CSV and spreadsheet formats are standard, with CRM and marketing automation exports available.

Whether the data is compliant

Data originates from lawful sources. Outreach must comply with TCPA, CAN-SPAM, and state privacy rules, plus carrier and internal policies.

What delivery timelines apply

Typical delivery occurs within one to two business days. Complex custom filters may add time.

Whether samples are provided

Sample records are available for structure and quality review aligned to your targeting criteria.

Getting Started

  1. Define your renewal window: Choose 90, 60, 30, or 14 day bands.
  2. Select filters: Geography, household signals, and vehicle indicators.
  3. Pick fields: Contact and renewal timing details for personalization.
  4. Choose format: CSV or platform-ready export for your CRM or MAP.
  5. Request a sample: Validate structure, deliverability, and match quality.
  6. Launch and measure: Track quotes, binds, premium, and save rates.

Get Auto Insurance Expiration Lists

Reach policyholders nearing renewal with verified data and compliant delivery. Increase quotes, binds, and retention.

Request Pricing and Samples