Best Auto Insurance Companies That Don’t Use the LexisNexis System (2024)
You can still get great coverage at excellent prices from the best auto insurance companies that don't use the LexisNexis system. State Farm is one of the few companies that uses its own system to assign risk to drivers who apply for coverage. On average, drivers with State Farm pay about $161/mo.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- LexisNexis is a private company that holds detailed data on countless drivers
- Nearly every auto insurance company sends client data into the LexisNexis database
- State Farm is one of the few to use their own system to ascertain a driver’s risk level
You may know nothing about it, but the LexisNexis total research system certainly knows about you. Ever wonder how do auto insurance companies check your driving record or credit score?
When you apply for auto insurance quotes from auto insurance companies that do use the LexisNexis system, these insurance companies get a lot of their information about your driving through the LexisNexis database.
Most drivers have no idea that a private business like LexisNexis Risk Solutions even has access to their personal data. Keep reading to find affordable auto insurance from auto insurance companies that don’t use the LexisNexis system.
Enter your ZIP code below to get free quotes from auto insurance companies that don’t use the LexisNexis system near you.
What are the auto insurance companies that don’t use the LexisNexis System?
While droves of insurance companies delve into the LexisNexis case management system, State Farm is one of the few companies that uses its own system to assign risk to its drivers.
By analyzing your prior auto insurance claims and other personal characteristics, State Farm creates a policy that is tailored to you and your driving experience.
On average, drivers with State Farm pay about $161 per month. While the average auto insurance rate in the U.S. is around $140 per month, drivers can still secure affordable insurance rates from auto insurance companies that don’t use the LexisNexis system.
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How does LexisNexis work with insurance companies?
LexisNexis Risk Solutions is one of the top providers of insurance scores. These scores help insurance companies determine if you are worth the risk of insuring and what rates you should be paying.
LexisNexis even has a product for auto insurance companies that can help them predict your future — your claims future that is. You may be shocked to learn just how much of your personal information can be contained in a LexisNexis report.
For example, in LexisNexis’ C.L.U.E. (Comprehensive Loss Underwriting Exchange) database, there are countless entries of drivers which include their seven-year driving history.
These histories are incredibly detailed and filled with personal details, including:
- Your insurance claims for during those seven years
- The dates you incurred any loss
- The type of loss
- How much was paid
- Your past and present policy numbers
- Your claim numbers
- The companies where you bought coverage
According to LexisNexis, nearly every auto insurance company shares information with the C.L.U.E. database. And yet, while this information is all about you, you can do not have unlimited access to it.
You can either receive a free “C.L.U.E. Auto Report” just once a year through LexisNexis or pay a small fee to gain access to some of the other reports that contain your personal data.
LexisNexis doesn’t stop with insurance companies when it comes to data gathering. It’s now attempting to influence private citizens to send information in willingly through the use of the LexisNexis Desk Officer Reporting System (DORS).
The DORS is designed to have drivers involved in a minor crash submit their information not directly to a police officer or their insurance agent, but to LexisNexis. After LexisNexis captures all the information that drivers submit, they will send the message along to the proper insurance companies.
If such a breach of privacy disturbs you and you want to work with a new auto insurance company, auto insurance companies that don’t use the LexisNexis system may be near you.
State Farm is the one major insurance company that utilizes its own system to calculate the risk level for each of its drivers, but there may be smaller, independent insurance agencies in your neighborhood that don’t use LexisNexis. Shop around to find the right auto insurance company for you.
How to Find Auto Insurance Companies That Don’t Use the LexisNexis System
When it’s time for you to buy auto insurance, choose auto insurance companies that don’t use the LexisNexis system if you would like to reduce your chances of ending up in the database.
State Farm might be a great insurance company for you because not only does it have its own risk assessment system, but it also offers excellent rates to its clients.
If you would like to get free quotes from auto insurance companies that don’t use the LexisNexis system, then enter your ZIP code into our free tool below.
Frequently Asked Questions
What is the LexisNexis system, and why would someone want auto insurance companies that don’t use it?
The LexisNexis system is a comprehensive data provider used by many insurance companies to assess risk and set insurance premiums. Some individuals may prefer auto insurance companies that don’t use the LexisNexis system to protect their privacy and ensure their rates are not influenced by extensive data collection.
Which are the best auto insurance companies that don’t rely on the LexisNexis system?
While individual preferences may vary, here are some highly regarded auto insurance companies that don’t use the LexisNexis system:
- Company A: Known for competitive rates and excellent customer service, Company A does not rely on the LexisNexis system for underwriting policies.
- Company B: Recognized for its customizable coverage options and user-friendly digital tools, Company B does not use the LexisNexis system in its insurance processes.
- Company C: With a strong reputation for transparency and flexible policy options, Company C does not rely on the LexisNexis system to determine insurance premiums.
How can I determine if an auto insurance company uses the LexisNexis system?
To find out if an auto insurance company uses the LexisNexis system, you can visit their website or contact their customer service directly. Companies usually disclose their data sources and underwriting methods, allowing you to make an informed decision.
Are there any disadvantages to choosing auto insurance companies that don’t use the LexisNexis system?
While opting for auto insurance companies that don’t use the LexisNexis system may protect your privacy, there are a few potential disadvantages to consider:
- Limited data: These companies may have less extensive data to assess risk, which could result in slightly higher premiums or less accurate risk evaluations.
- Smaller network: Some insurers relying less on the LexisNexis system may have a smaller network of repair shops and preferred providers, limiting your options for repairs and services.
Can I still get competitive rates and good coverage from auto insurance companies that don’t use the LexisNexis system?
Yes, many auto insurance companies that don’t rely on the LexisNexis system still offer competitive rates and comprehensive coverage options. It’s important to research and compare different companies to find one that aligns with your needs and budget.
Are there specific states where auto insurance companies that don’t use the LexisNexis system operate?
Auto insurance companies that don’t rely on the LexisNexis system can operate in various states across the United States. However, their availability may vary from state to state. It’s recommended to check with each specific company or contact a licensed insurance agent to determine if they provide coverage in your state.
Does not using the LexisNexis system mean an auto insurance company has lower financial stability?
Not necessarily. The decision to use or not use the LexisNexis system is independent of a company’s financial stability. It’s crucial to evaluate an insurer’s financial ratings, such as those provided by rating agencies like A.M. Best, to assess their financial strength and ability to meet claims.
Can I switch to an auto insurance company that doesn’t use the LexisNexis system if I’m already insured with another company?
Yes, you can switch to an auto insurance company that doesn’t use the LexisNexis system even if you’re currently insured with another company. However, before making the switch, consider factors such as coverage, rates, and any penalties or fees associated with canceling your existing policy.
Can auto insurance companies that don’t use the LexisNexis system still provide discounts and benefits?
Yes, auto insurance companies that don’t rely on the LexisNexis system can still offer discounts and benefits to their policyholders. These may include safe driving discounts, multi-policy discounts, loyalty rewards, and other incentives. It’s advisable to inquire about available discounts when obtaining quotes or contacting the insurance company.
How can I find reviews or customer experiences with auto insurance companies that don’t use the LexisNexis system?
To find reviews and customer experiences with auto insurance companies that don’t use the LexisNexis system, you can search online review websites, forums, and social media platforms. Reading about others’ experiences can provide insights into the company’s customer service, claims handling, and overall satisfaction.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.