What is an NAIC number?

If you’ve ever registered a vehicle or filed an insurance claim, you probably asked yourself — what is an NAIC number? What does NAIC stand for? And why is it so important?

The NAIC stands for the National Association of Insurance Commissioners, a non-profit organization that regulates the insurance industry and establishes best practices. The NAIC code is a five-digit number used to identify and verify each insurance company in the country.

You can learn a lot about an insurance company when you look up their NAIC number. For example, you may need to look up a company’s NAIC insurance number if you’re filing a complaint against the company or want to learn more about an insurer before you buy car insurance online.

Our guide will help you find your NAIC number. Keep reading to learn more about NAIC codes and who might ask for one.

What is my NAIC number?

You can quickly find your NAIC number on your insurance card. It’s not always labeled, but it will be the five-digit number on your card. You can also find the number on your policy paperwork. Some companies will call it the “Company Number.” 

The NAIC number is a five-digit number used to identify an insurance company’s primary area of business and regulate the industry. It tracks financial reporting and ensures that insurance companies can pay out during national disasters. 

Insurance companies must apply for a number and meet certain qualifications to be approved. If a company does not have an NAIC number, they are not legitimate, and you should not buy car insurance from them.

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How can I look up NAIC numbers?

Most insurance companies list their NAIC numbers online. You can also find a company’s code by using the search tools on the NAIC website. The table below lists the main NAIC numbers for most major companies.

Car Insurance Company	NAIC Insurance Number
Allstate	19232
Erie Insurance	26271
Farmers Insurance	21695
Geico	35822
Liberty Mutual	23043
Nationwide	23779
Progressive	24260
State Farm	25178
Travelers	25658
USAA	18600

You can use these main numbers to find information on a company or file a complaint. However, many insurance companies have multiple NAIC insurance numbers that apply to every underwriting company under their name. 

For example, companies like Allstate and Geico offer multiple forms of insurance and will have different codes for each. As a result, it’s not unusual for some companies to have 12 or more NAIC numbers. This means you will have to use different NAIC codes when filing a car insurance claim, homeowners claim, health claims, and other types of insurance claims.

NAIC code insurance monitors the financial health of each company, and it’s important to know how much companies are paying for each type of claim. This information is used to determine car insurance rates and can greatly impact how much you pay for coverage in the future. If you’ve recently filed a claim, start comparing car insurance quotes online to find more affordable coverage.

Who might ask for an NAIC number?

Three key people might need to know NAIC company codes:

• Insurance claims adjuster
• The DMV
• You

Drivers like you can look up a company’s financial strength, customer reviews, and more with its NAIC code. For example, you can see an insurance company’s fraud data and determine if it’s a reliable enough insurer for you. You’ll also need the NAIC code to file a formal complaint against a company if you’re not satisfied with its service. 

Keep the NAIC insurance number handy when you go to the DMV, especially when registering a new vehicle or if you recently switched car insurance companies. The DMV will often use the NAIC number to confirm you’re carrying the right types of car insurance in your state, and you don’t want to be caught without the right information.

Finally, when you file a claim, the claims adjuster will often confirm the company’s NAIC number with you. This is a normal part of the investigation and ensures all of the information in your claim and your policy is correct. 

You never know who may ask for your insurance company’s NAIC number. So, to avoid losing your NAIC number, keep your insurance card and other documents in a safe place. Fortunately, most insurance companies use mobile apps that store this information on your phone. However, it can be helpful to store a hard copy of your insurance card somewhere in your vehicle in case you lose service or power.

NAIC Insurance Numbers: What You Need to Know

What is NAIC code? These five-digit company numbers are listed on your insurance card and policies. In addition, it’s used to identify each insurance company’s financial health and complaint history. 

The National Association of Insurance Commissioners gives numbers to each legitimate insurance company in this country. This provides a way to regulate the industry by guaranteeing insurers can pay out on claims during disasters and other paramount events. 

For example, the inability to financially recover from hurricanes would be economically devastating to coastal states. Therefore, the NAIC keeps an eye on insurance companies in the area to ensure they can pay out claims for all of their policyholders.

This information can also be used to raise car insurance quotes if more claims are filed. Therefore, before you buy car insurance, use NAIC numbers to research multiple companies. You can look up their financial information, fraud data, complaint history, and more.

NAIC numbers can reveal that companies with cheap rates have poor customer reviews and can protect you from falling victim to insurance scams from fraudulent companies. Use this information to find an affordable car insurance company that meets all of your needs. 

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Case Studies: Understanding NAIC Numbers

Case Study 1: Company A’s Complaint History

Company A is a well-known insurance provider with multiple NAIC numbers. A customer, John, filed a complaint against Company A regarding a denied claim. By looking up Company A’s NAIC number, John was able to gather information about the company’s complaint history. This helped him assess the company’s reputation and make an informed decision about pursuing legal action.

Case Study 2: Evaluating Company B’s Financial Health

Sarah was in the process of buying car insurance online and came across Company B. Curious about the company’s financial stability, she researched their NAIC number. Through this number, she accessed valuable data on the company’s financial reporting and its ability to pay out claims during national disasters. Armed with this information, Sarah made a well-informed decision and chose a financially secure insurer.

Case Study 3: NAIC Numbers for Claims Processing

After being involved in an accident, Mark needed to file a claim with his insurance company, Company C. During the claims process, the adjuster requested Company C’s NAIC number to ensure accuracy and verify policy details. Mark provided the NAIC number, facilitating a smooth and efficient claims investigation.

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