What Is an NAIC Number? How Do You Find It?
Last Updated on September 30, 2026
The National Association of Insurance Commissioners (NAIC) is a nonprofit run by the chief insurance regulators of every state. It isn’t a government agency and doesn’t license or regulate insurers itself, but it helps state insurance departments coordinate oversight, share data, and write model rules.
One of the most practical tools the NAIC maintains is the NAIC number (also called an NAIC code or company code)—a unique five-digit ID tied to a specific insurance company (often the underwriting company shown on your policy). The NAIC assigns one to every insurance company that files financial statements with it.
Because many big insurers operate through multiple underwriting companies and subsidiaries, a brand name you recognize may have several NAIC numbers. That’s normal—and it’s why using the correct NAIC number matters when you’re checking complaints, licensing, or company details.
Below is everything you need to know about NAIC numbers, what they’re used for, and how to find the right one.
- An NAIC number (NAIC code) is a unique five-digit ID that identifies a specific insurance company—usually the underwriting company on your policy.
- Large insurers often have multiple NAIC numbers because they operate through different subsidiaries or underwriting companies.
- You can usually find your insurer’s NAIC number on your ID card or policy documents, or look it up in the NAIC’s Consumer Insurance Search.
- NAIC numbers help you research licensing and complaint information and avoid confusion when brands share similar names or use multiple underwriting entities.
What Is an NAIC Number?
An NAIC number is a five-digit identifier assigned to an insurance company. Regulators and consumer tools use it to consistently identify insurers—especially when companies have similar names or operate through multiple subsidiaries.
In everyday use, the NAIC number helps you confirm you’re dealing with the correct underwriting company and makes it easier to research licensing status and complaint information.
The NAIC number is also known as an NAIC code. Many insurance companies list their codes on their websites; Liberty Mutual, for example, lists more than 30 underwriting companies, each with its own code. You can also use the NAIC number to look up a company and review relevant complaints about that insurance company.
Companies in the same family also share an NAIC group code. State Farm Mutual Automobile Insurance Company, for example, is company 25178 in group 0176. The five-digit company code is the one that identifies your insurer.
How to Find an NAIC Number
You can find an NAIC number in a few common places:
- Your insurance ID card. California, Pennsylvania and Louisiana require the NAIC number on auto ID cards. In New York, New Jersey and Arizona, the card shows a state-assigned company code, which isn’t the same as the NAIC number.
- Your policy documents (look for “NAIC #”)
- Your online account (policy details section)
If you can’t find it on your paperwork—or you want to verify you have the right underwriting company—use the NAIC’s Consumer Insurance Search.
Here’s How to Find Any Insurance Company’s NAIC Number:
- Step 1) Visit the NAIC Consumer Insurance Search
- Step 2) Type the company name (or NAIC code, if you have it) into the search field
- Step 3) Select the correct listing (match the legal underwriting company name on your policy)
- Step 4) Use the report options to see complaint data for the past three years, a financial overview and licensing status
Important: many insurers have multiple NAIC numbers. The NAIC number you need is the one tied to the specific underwriting company on your ID card or policy documents—not necessarily the parent brand name you see in ads.
Also, don’t confuse the NAIC number with your policy number. Your policy number identifies your contract. The NAIC number identifies the insurer.
Your state insurance department may have its own lookup, too. California’s company profile search shows each company’s NAIC number, and Missouri’s shows NAIC numbers, license status and a complaint index.
NAIC Numbers of Major Insurance Companies
Big brands sell auto insurance through several companies, and the one on your card depends on your state. The table shows an example underwriting company for each brand, with other codes you may see alongside. Where we could check Texas (2025), New York (2024) or California (2026) insurance department data, the example is a company that writes many of the brand’s auto policies; otherwise it’s the brand’s namesake company. Codes that apply in one state are labeled with that state. Your ID card is the final word.
| Brand | Example underwriting company (NAIC code) | Other codes you may see |
|---|---|---|
| 21st Century | 21st Century Casualty Company (36404) | 21st Century Premier Insurance Company (20796). Code 25232, often listed for 21st Century, now belongs to Bantry Insurance Company. |
| AAA | Depends on your club. Examples: CSAA Insurance Exchange (15539), Interinsurance Exchange of the Automobile Club (15598) | Automobile Club Inter-Insurance Exchange (15512), CSAA Fire & Casualty Insurance Company (10921) |
| Allied (Nationwide) | AMCO Insurance Company (19100) | ALLIED Property and Casualty Insurance Company (42579) |
| Allstate | Allstate Fire and Casualty Insurance Company (29688) | California: Allstate Northbrook Indemnity Company (36455). Allstate’s site also names Allstate North American Insurance Company (11110) for new auto policies. |
| American Family | Varies by state. Texas and California: American Family Connect Property and Casualty Insurance Company (29068). Missouri: American Family Insurance Company (10386). | American Family Mutual Insurance Company, S.I. (19275), the namesake company |
| Chubb | Chubb National Insurance Company (10052) | Chubb Indemnity Insurance Company (12777) |
| Cincinnati | The Cincinnati Insurance Company (10677) | — |
| Countryway | Countryway Insurance Company (10022) | — |
| CSAA | CSAA Insurance Exchange (15539) | CSAA Fire & Casualty Insurance Company (10921) |
| Dairyland | Dairyland Insurance Company (21164) | Texas: Dairyland County Mutual Insurance Company of Texas (26441) |
| Encompass | Encompass Home and Auto Insurance Company (11252); California: Encompass Insurance Company (10358) | Encompass Insurance Company of America (10071), Encompass Property and Casualty Company (10072), Encompass Indemnity Company (15130) |
| Erie | Erie Insurance Exchange (26271) | Erie Insurance Company (26263) |
| Esurance | Esurance Insurance Company (25712) | — |
| Farmers | Farmers Insurance Exchange (21652) | Texas: Mid-Century Insurance Company of Texas (28673). New York: Farmers Group Property and Casualty Insurance Company (34339). |
| Foremost | Foremost Insurance Company Grand Rapids, Michigan (11185) | Foremost Property and Casualty Insurance Company (11800); Texas: Foremost County Mutual Insurance Company (29254) |
| GEICO | GEICO General Insurance Company (35882) | Government Employees Insurance Company (22063); Texas: GEICO Texas County Mutual Insurance Company (27863); GEICO Casualty Company (41491) |
| Hagerty | Essentia Insurance Company (37915) | Nationwide Mutual Insurance Company (23787) and Nationwide Insurance Company of America (25453), which Hagerty also lists as underwriters |
| Hallmark | Hallmark Insurance Company (34037) | Texas: Hallmark County Mutual Insurance Company (29408) |
| Hanover | The Hanover Insurance Company (22292) | — |
| Infinity | Infinity Insurance Company (22268) | Texas: Infinity County Mutual Insurance Company (13820); Infinity Auto Insurance Company (11738) |
| Kemper | Kemper Independence Insurance Company (10914) | — |
| Liberty Mutual | Varies by state. New York: LM General Insurance Company (36447). Texas: Liberty County Mutual Insurance Company (19544). California: Safeco Insurance Company of America (24740). | Liberty Mutual Insurance Company (23043), the group’s lead company, which writes little auto insurance |
| Main Street America | Main Street America Assurance Company (29939) | New York: Main Street America Protection Insurance Company (13026) |
| Mercury | Mercury Insurance Company (27553) | Mercury Casualty Company (11908); Texas: Mercury County Mutual Insurance Company (29394) |
| Metromile | Metromile Insurance Company (16187) | — |
| National General | Integon National Insurance Company (29742) | National General Assurance Company (42447); Texas: Integon Indemnity Corporation (22772) |
| Nationwide | Nationwide Mutual Insurance Company (23787) | New York: Nationwide General Insurance Company (23760). California: Nationwide Insurance Company of America (25453). |
| Plymouth Rock | Plymouth Rock Assurance Corporation (14737) | New York: Plymouth Rock Assurance Preferred Corporation (36587) |
| Progressive | Progressive Casualty Insurance Company (24260) | Texas: Progressive County Mutual Insurance Company (29203). New York: Progressive Advanced Insurance Company (11851). California: United Financial Casualty Company (11770). |
| Root | Root Insurance Company (10974) | — |
| Safeco | Safeco Insurance Company of America (24740) | — |
| Sentry | Sentry Insurance Company (24988) | — |
| State Farm | State Farm Mutual Automobile Insurance Company (25178) | — |
| The Hartford | Hartford Underwriters Insurance Company (30104) | Hartford Fire Insurance Company (19682), Sentinel Insurance Company (11000), Property and Casualty Insurance Company of Hartford (34690), Trumbull Insurance Company (27120) |
| Travelers | Varies by state. New York: Travelers Personal Insurance Company (38130). California: Travelers Commercial Insurance Company (36137). Texas: Consumers County Mutual Insurance Company (29246). | The Travelers Indemnity Company (25658); The Travelers Casualty Company (41769) |
| Trumbull (The Hartford) | Trumbull Insurance Company (27120) | — |
| USAA | USAA Casualty Insurance Company (25968) | United Services Automobile Association (25941) |
| Utica National | Utica National Insurance Company of Texas (43478) | Utica Mutual Insurance Company (25976); Utica National Assurance Company (10687) |
| Westfield | Westfield Insurance Company (24112) | — |
Note: Codes stay with a company when it’s renamed or sold, so older lists go stale. Code 25232, for example, belonged to 21st Century Advantage Insurance Company and now belongs to Bantry Insurance Company. For complaint and licensing research, always match the NAIC number on your ID card to the exact company listed on your policy.
I would check the legal company name on the declarations page before looking up an NAIC code. A familiar brand can use more than one underwriting company, so the brand name alone isn’t enough.
What Can You Learn with an NAIC Number?
Looking up an insurer by NAIC number can help you verify you’re buying coverage from a legitimate, properly licensed company—and compare companies using consistent, regulator-focused data. Many people check an NAIC number before buying a policy to confirm the insurer is licensed in their state and to get a clearer picture of complaint history and company details.
It can also be useful if you’re dealing with a claim and need to identify the exact underwriting company behind a brand name.
Some of the Things You Can Learn From NAIC Consumer Insurance Search Include the Following:
Legal Company Name & Contact Info: Confirm the insurer’s legal name (the one that actually issues the policy) and find basic contact details.
Website (When Available): In many cases, you can confirm the company’s official website for that specific underwriting entity.
Lines of Insurance Offered: See which products the insurer writes (auto, homeowners, commercial, and more). Some companies only sell car insurance, while others sell aircraft, auto, commercial auto, earthquake, flood, and homeowners insurance, among other products.
States Licensed: Check whether the company is licensed to sell insurance in your state (and where else it’s authorized to operate).
Complaint Information: Review closed, confirmed complaints that state insurance departments reported over the past three years. This is especially useful when multiple underwriting companies share a similar brand name.
Tip on complaint data: complaint metrics can vary by state, line of insurance, and year. A company can look “better” in one line (say, auto) and “worse” in another (say, homeowners), so make sure you’re looking at the right product category.
Financial Context (Use with care): NAIC-based reporting can help you research insurers, but it isn’t the same thing as an independent credit rating. If you’re comparing company stability, it’s smart to pair NAIC research with third-party financial strength ratings and your state regulator’s guidance. (Here’s more on how to evaluate an insurer’s financial stability.)
Why Are NAIC Numbers Important?
NAIC numbers matter because they help you identify the exact insurance company you’re doing business with—especially when a single brand uses multiple underwriting companies. That makes it easier to research licensing, compare complaint history, and avoid confusion when filing a complaint or handling a claim.
Insurance can look simple on the surface, but the legal details are tied to the underwriting company listed on your policy. If you’re ever unsure who actually insures you, the NAIC number is one of the fastest ways to verify it.
Crucial Advantages of NAIC Numbers Include the Following:
- A consistent way to identify insurers (even when brands and subsidiaries have similar names)
- A starting point for researching complaints and other regulator-focused information
- Helpful context for confirming state-by-state licensing and authorized business lines
- Less confusion when shopping for coverage or resolving claim and billing issues
If you’re comparing companies, remember: many “review” sites are based on marketing, surveys, or limited samples. NAIC-based tools are built for regulator and consumer use—and they’re organized around the actual underwriting company behind the policy.
About the NAIC
The NAIC is a U.S. standard-setting organization that provides data, tools, and support for state insurance regulators. It’s governed by the chief insurance regulators from all 50 states, the District of Columbia, and U.S. territories.
Founded in 1871, the NAIC helps states coordinate oversight of multistate insurers and develop model laws and regulatory best practices. The NAIC has major offices in Kansas City, Washington, D.C., and New York.
It’s worth repeating: in the NAIC’s own words, it “does not regulate insurance companies, issue insurance licenses, or enforce state insurance laws.” Your state department of insurance (and your state insurance commissioner) regulates insurers and enforces state insurance rules.
FAQs on NAIC Numbers
Final Word on NAIC Numbers
An NAIC number is a simple five-digit code, but it can tell you a lot. If you want to confirm who actually underwrites your policy, verify licensing, or research complaints and company details, the NAIC number is one of the quickest ways to get started.
To look up a company’s NAIC number today, visit the NAIC Consumer Insurance Search.
Sources
Checked September 29, 2026. NAIC: glossary (company and group codes), governance, Consumer Insurance Search, complaint data. ID card rules: California 13 CCR § 82.00, Pennsylvania 31 Pa. Code § 67.24, New York DFS insurer codes, Arizona A.R.S. § 28-4133. Company codes and auto market data: Texas Department of Insurance (2025), New York DFS (2024), California Department of Insurance (2026), California company profiles, and the insurers’ own underwriting-company pages, such as Liberty Mutual’s, American Family’s and Hagerty’s.
