MVA Lead Availability by State
MVA lead volume is not evenly distributed. Supply tracks population, vehicle miles travelled and accident rate, while price tracks how many firms are bidding for that supply. A state can have high accident volume and still be expensive to buy in, because advertiser density rather than raw supply sets the clearing price.
Why supply and price move independently
Buyers often assume the largest states are the cheapest places to buy, on the theory that more accidents means more supply. In practice the largest states also have the heaviest firm advertising, and the clearing price reflects competition for the same records.
The more useful question is not where volume is highest but where volume per competing advertiser is highest. That ratio is what determines whether you can buy consistently at a price that works.
Legal factors that change what a lead is worth
Statute of limitations sets how long after an accident a claim can be brought. A shorter statute compresses the window in which an aged lead is still actionable, which makes speed to contact matter more and makes older data worth materially less.
Comparative negligence rules decide whether a partially at-fault claimant can recover at all. In a contributory negligence jurisdiction a claimant even slightly at fault may recover nothing, which removes a large share of accidents from the addressable pool and changes what screening has to catch before transfer.
No-fault states route a larger share of claims through the claimant's own insurer, so fewer accidents produce a third-party claim. Volume figures in those states need reading against that filter rather than at face value.
How to compare a vendor's state coverage
Ask for monthly volume by state over the last three months, not a projection and not a national aggregate. Ask what happens when volume in your state runs short: whether they substitute an adjacent state, reduce screening, or simply deliver less.
That last question separates vendors who generate their own traffic from those who buy it. A vendor running their own campaigns can tell you exactly what their volume was last month in a given state. A reseller usually cannot.
Our current coverage
We run our own campaigns and screen every caller for state, treatment status, fault and time since accident before transfer.
TODO(usama): insert the list of states we currently deliver in, current monthly volume per state, and any states where we have a waiting list or cannot deliver at all.
TODO(usama): confirm whether we cap the number of firms we serve per state, and if so what that cap is.
See the [MVA leads programme](/lead-generation/mva) for delivery detail and [pricing](/lead-generation/mva/pricing) for how state affects cost.
Common questions
- Can I buy leads in only one state?
- Yes. Single-state buying is normal for firms licensed in one jurisdiction. The constraint is volume: in a smaller state a single firm can absorb the available supply, so ask what monthly volume is realistically available before committing to a target.
- Do you cap how many firms you sell to per state?
- TODO(usama): answer this directly. Buyers ask it first and a vague answer reads as a no.
- Why is my state more expensive than a neighbouring one?
- Almost always advertiser density. If more firms are bidding for the same accident volume, acquisition cost rises for everyone generating that traffic, and that flows through to lead price.
- How does statute of limitations affect lead age?
- It sets the outer bound on how long a claim remains actionable, but the practical constraint is much tighter: contact rates fall sharply within days of the accident, so a short statute mostly matters for aged data you should be cautious about buying anyway.
Check availability in your states
Tell us which states you are licensed in and your monthly intake capacity, and we will tell you what we can actually deliver there this month.
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