Insights
The 2026 UK Pay-Per-Call Rate Card
What buyers are actually paying for a qualified inbound call across 24 sectors — and what drives the £14→£240 spread.
Kieran. F· 2 min read·17 August 2026
Pay-per-call CPCs in the UK have moved decisively upward through 2025 and into 2026. Below is the current market range Connexis routes calls at, across the 24 sectors live on our two-sided marketplace.
The full 2026 UK/US rate card
| Sector | CPC range | Notes |
|---|---|---|
| Auto Insurance | £14–£45 | Live-transfer quotes, geo-verified |
| Home Insurance | £16–£50 | Property-verified, quote-ready |
| Life Insurance | £20–£60 | Age + health pre-qualified |
| Final Expense | £28–£85 | US · 50+ age band, pre-consented |
| Medicare / Health | £24–£70 | US only · TCPA-compliant |
| Mortgages | £40–£120 | DIP-aware, refi + purchase |
| Reverse Mortgage | £45–£150 | US only · 62+ homeowner qualified |
| Tax Debt Relief | £40–£160 | £5k+ balance qualified |
| Solar | £32–£120 | Homeowner-verified |
| Roofing | £40–£145 | Damage type + roof age |
| Legal · Personal Injury | £40–£240 | Fact-pattern pre-vetted |
| Rehab & Treatment | £45–£220 | US · insurance-verified admissions |
What actually drives the spread
Four levers explain 90% of the price variance you'll see within a sector:
- Buyer-duration threshold. A 60-second buyer pays materially less than a 120-second buyer for the same call. Longer thresholds filter out drop-offs and increase downstream conversion — buyers price that in.
- Geo tier. London / South-East pays 15–25% above national average across most sectors. US market: NY / TX / CA / FL pay a similar premium over the mid-tier states.
- Hours. Business-hours-only campaigns pay ~20% more than 24/7 buckets because agents are staffed.
- Source quality. Google-native comparison-page traffic clears at the top of the range. Aged social + push traffic clears at the floor.
What high-performers do differently
The publishers hitting the top of every range share three habits:
- Sector-tuned IVR pre-qualification — capturing intent, geo and consent in under 20 seconds before any buyer touches the call.
- Compliance recorded at source — TCPA + PECR consent artefact, timestamped IP, user-agent, retained for 24 months. This isn't optional in 2026.
- Real-time buyer match — the router evaluates every live buyer's rules on the ping, not a stale round-robin.
Where the market is headed
Two trends we're seeing on Connexis this quarter:
- Rehab / Treatment in the US is up ~22% year-on-year as insurance-verified admissions become the only channel that clears TCPA scrutiny.
- UK Legal · PI is compressing at the low end (£40 minimum floor) as the SRA reforms play through, and expanding at the high end (£240+) for genuine, fact-pattern-verified injury cases.
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