10 Best Auto Insurance Companies That Use LexisNexis in 2025
State Farm, Progressive, and USAA provide the best auto insurance companies that use LexisNexis, offering plans starting at just $32 per month. We aim to assist you in comparing quotes from these trusted insurers, ensuring you secure ideal coverage and leverage tailored discounts for your vehicle.
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Table of Contents
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated June 2025
11,640 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
11,640 reviews
3,071 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
3,071 reviews
2,235 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
2,235 reviewsState Farm stands out as the best auto insurance company that use LexisNexis, providing competitive rates starting at just $47 per month for comprehensive protection.
Partnering with Progressive and USAA, they offer affordable rates and a wide array of comprehensive coverage options tailored to meet your specific driving needs.
Our Top 10 Picks: Best Auto Insurance Companies That Use LexisNexis
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A+ Innovative Technology Allstate
#2 20% A+ Comprehensive Coverage Nationwide
#3 20% A Customer Satisfaction American Family
#4 17% A++ Customizable Policies State Farm
#5 13% A++ Financial Stability Travelers
#6 10% A++ Exceptional Service USAA
#7 10% A+ Advanced Technology Progressive
#8 10% A Coverage Options Liberty Mutual
#9 10% A Personalized Service Farmers
#10 7% A Roadside Assistance AAA
- State Farm offers competitive pricing starting from $60 per month
- Leading insurance companies offer opportunities for companies
- Multiple discount opportunities are available for LexisNexis users
#1 – State Farm: Top Overall Pick
Pros
- Broad Coverage Options: Offers a wide range of insurance products and comprehensive coverage options. Find out more in our State Farm auto insurance review.
- Wide Range of Discounts: State Farm offers a variety of discounts, such as multi-policy, safe driver, and vehicle safety discounts, helping policyholders save on their premiums.
- User-Friendly Mobile App: Highly rated mobile app for policy management and claims processing.
Cons
- Higher Rates for Some Drivers: May not offer the lowest rates for high-risk drivers.
- Limited Availability of Discounts: Fewer discount options compared to some competitors.
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#2 – Progressive: Best for Advanced Technology
Pros
- Usage-Based Insurance Programs: In our Progressive auto insurance review, snapshot program offers potential savings for safe driving.
- Extensive Online Tools: Robust online tools for quote comparisons and policy management.
- Wide Range of Discounts: Numerous discounts available, including multi-policy and safe driver discounts.
Cons
- Customer Service Variability: Inconsistent customer service experiences reported.
- Higher Rates for Certain Demographics: Younger and high-risk drivers might find rates higher compared to competitors.
#3 – USAA: Best for Exceptional Service
Pros
- Exceptional Customer Service: High customer satisfaction ratings, particularly for military families.
- Competitive Rates: Offers some of the lowest rates in the industry. Read more through our USAA auto insurance review.
- Comprehensive Coverage: Includes unique benefits tailored to military personnel.
Cons
- Eligibility Restrictions: Only available to military members and their families.
- Limited Physical Locations: Fewer branch locations compared to other major insurers.
#4 – Allstate: Best for Innovative Technology
Pros
- Innovative Technology: Advanced tools like the Drivewise program for monitoring driving habits and earning discounts.
- Wide Agent Network: Extensive network of local agents for personalized service.
- Strong Financial Ratings: High financial stability ratings ensuring reliability.
Cons
- Higher Premiums: Generally higher rates compared to some competitors. Use our Allstate auto insurance review as your guide.
- Mixed Customer Reviews: Varying experiences with customer service and claims handling.
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#5 – Nationwide: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: Nationwide, as mentioned in our Nationwide insurance review, has wide variety of policies, including unique options like vanishing deductible.
- Strong Financial Strength: High ratings from financial agencies.
- Customer Satisfaction: Generally positive feedback on customer service and claims processing.
Cons
- Higher Than Average Rates: Premiums can be higher than some competitors, especially for full coverage.
- Discount Availability: Fewer discount options compared to other major insurers.
#6 – Liberty Mutual: Best for Coverage Options
Pros
- Customizable Policies: Flexible policy options to fit individual needs.
- Wide Range of Discounts: Numerous discounts available, such as for safe drivers and bundling policies.
- Financial Stability: Solid financial strength ratings. For further insights, refer to our Liberty Mutual auto insurance review.
Cons
- Mixed Customer Service Reviews: Inconsistent experiences reported by policyholders.
- Potential for Higher Rates: Some drivers report higher premiums compared to other insurers.
#7 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Strong focus on customer service with local agents.
- Variety of Discounts: Farmers, as mentioned in our Farmers auto insurance review, has wide range of discounts available for various driver profiles.
- Comprehensive Coverage: Extensive coverage options, including unique add-ons like new car replacement.
Cons
- Higher Premiums: Generally higher rates compared to some competitors.
- Limited Online Tools: Less robust online tools and resources for policy management.
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#8 – American Family: Best for Customer Satisfaction
Pros
- Customer Satisfaction: High ratings for customer service and satisfaction.
- Comprehensive Coverage Options: Wide variety of insurance products and coverage options.
- Discount Programs: Numerous discount opportunities, such as loyalty and safe driver discounts. Read more through our American Family auto insurance review.
Cons
- Regional Availability: Not available in all states, limiting access for some potential customers.
- Higher Rates for Young Drivers: Younger drivers might face higher premiums compared to other insurers.
#9 – Travelers: Best for Financial Stability
Pros
- Financial Stability: High financial strength ratings ensuring claim reliability.
- Extensive Coverage Options: Comprehensive policy options and add-ons.
- Technological Integration: Advanced tools and mobile app for managing policies and claims.
Cons
- Higher Premiums: Our Travelers auto insurance review reveals that rates can be higher compared to other major insurers.
- Mixed Customer Reviews: Varying experiences with customer service and claims processing.
#10 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance: Exceptional roadside assistance services included with policies.
- Membership Benefits: Additional benefits through AAA membership, such as travel discounts.
- Strong Customer Service: Generally positive reviews for customer service and support.
Cons
- Membership Requirement: Requires AAA membership, which might be an additional cost.
- Regional Rate Variability: Rates and availability can vary significantly by region. Find out more through our AAA auto insurance review.
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Auto Insurance Companies That Use the LexisNexis System
State Farm sets itself apart by employing its own risk assessment system, rather than relying on LexisNexis. Through analyzing your past claims and personal details, they tailor policies to you, including coverage for a cracked windshield.
Auto Insurance Monthly Rates by Coverage Level & Top Providers That Use LexisNexis
Insurance Company Minimum Coverage Full Coverage
$65 $122
$87 $228
$62 $166
$76 $198
$96 $248
$63 $164
$56 $150
$47 $123
$53 $141
$32 $84
While the national average is $140 per month, State Farm drivers pay around $161 monthly. Affordable rates can still be found with insurers not using LexisNexis. Enter your ZIP code now to begin.
LexisNexis With Insurance Companies
LexisNexis Risk Solutions provides insurance scores, aiding insurers in assessing risk and setting rates.
Full coverage of auto insurance for companies that uses LexisNexis is a great start of your driving journey.
Jeff Root
Licensed Insurance Agent
They compile detailed reports, like C.L.U.E., containing seven years of driving history and insurance claims.
Auto Insurance Discounts From the Top Providers That Use LexisNexis
| Insurance Company | Available Discount |
|---|---|
| Good driver discount, Multi-vehicle discount, AAA membership discount |
| New car discount, Anti-lock brake discount, Early signing discount |
| Multi-vehicle discount, Teen safe driver discount, Loyalty discount |
| Multi-car discount, Homeowner discount, Electronic stability control discount |
| Multi-policy discount, Vehicle safety features discount, Safe driver discount |
| Accident-free discount, Defensive driving discount, Anti-theft device discount |
| Multi-policy discount, Snapshot® discount, Multi-car discount |
| Safe driver discount, Multiple auto discount, Good student discount |
| Multi-policy discount, Hybrid/electric vehicle discount, Continuous insurance discount |
| Safe driver discount, Military installation discount, Good student discount |
Access is limited, available through an annual free report or for a fee. If privacy concerns you, consider insurers not using LexisNexis, like State Farm or smaller local agencies, for comprehensive auto insurance. Shop around for the right fit.
Finding Auto Insurance Companies That Don’t Use the LexisNexis System
Choose auto insurers not using LexisNexis or liability-only to avoid being in their database. State Farm, with its own risk assessment system, offers competitive rates.
Enter your ZIP code for free quotes from non-LexisNexis insurers. This can help you make an informed decision while safeguarding your privacy.
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:
- State Farm: Known for competitive rates and excellent customer service, State Farm does not rely on the LexisNexis system for underwriting policies.
- Progressive: Recognized for its customizable coverage options and user-friendly digital tools, Progressive does not use the LexisNexis system in its insurance processes.
- USAA: With a strong reputation for transparency and flexible policy options, USAA does not rely on the LexisNexis system to determine insurance premiums.
Above information are highly regarded auto insurance companies that don’t use the LexisNexis. Enter your ZIP code now to begin.
How can I determine if an auto insurance company uses the LexisNexis system?
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.
Above information are the disadvantages to be considered.
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. Enter your ZIP code now to begin.
Are there specific states where auto insurance companies that don’t use the LexisNexis system operate?
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. Enter your ZIP code now to begin.
Can auto insurance companies that don’t use the LexisNexis system still provide discounts and benefits?
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.
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