Best Auto Insurance Companies That Don’t Use the LexisNexis System (2022)
You can still get great coverage at excellent prices from auto insurance companies that don't use the LexisNexis system, although it can be hard to avoid auto insurance quotes from auto insurance companies that do use LexisNexis databases. 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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UPDATED: Jun 29, 2022
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- 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. Think about it: 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.
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