Best Auto Insurance Companies That Don’t Use the LexisNexis System (2022)

You could face an uphill battle when trying to find affordable insurance companies that don't use the LexisNexis system. This system records highly detailed reports on drivers that stretch back seven years. However, insurance companies that don't use the LexisNexis system, like State Farm, can get you coverage for $161/month on average and offer discounts to further reduce your rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Oct 28, 2021

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A Concise Overview

  • LexisNexis, a private company, receives most of its driver data from insurance companies
  • Seven-year histories are stored for every driver in the LexisNexis database
  • There are a few companies like State Farm that use an independent system to rate drivers

There are countless drivers out on the road this very instant that are blissfully unaware of the LexisNexis total research system, and yet all the while the LexisNexis database is storing their personal data.

Have you ever stopped to consider how auto insurance companies manage to review your driving record or check up on your credit score when you apply to buy full coverage auto insurance?

Whenever you reach out for quotes from auto insurance companies that do use the LexisNexis system, these insurance companies turn to this data collection agency to get most of the information they need to learn about your risk level as a driver.

Most people don’t even know what the company LexisNexis Risk Solutions is, let alone how it has access to so much of their personal data.

If you’re troubled by this breach of your privacy, keep reading to learn how you can buy 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.

Are there affordable insurance companies that don’t use the LexisNexis system?

As frustrating as it may be, you’ll be hard press to find an insurance company that doesn’t dive into the LexisNexis case management system whenever it wants to assess a potential new client, but there is one company that you can turn to.

Out of all the companies in the insurance industry, State Farm is one of the very few that employs its own system to ascertain a driver’s risk level.

By analyzing your driving history and factors like your insurance points, State Farm is able to design a unique policy just for you.

Driver pay about $161 per month on average with State Farm, but drivers can still secure low rates from auto insurance companies that don’t use the LexisNexis system, like State Farm, through the use of discounts:

Available State Farm Discounts
Type of Discount SummaryDiscount Amount / %
Anti-lock Brakes5%
Claim Free15%
Defensive Driver5%
Distant StudentSpeak with your agent to learn more
Driver's Ed15%
Driving Device/App50%
Good CreditSpeak with your agent to learn more
Good Student25%
Low Mileage30%
MarriedSpeak with your agent to learn more
MilitarySpeak with your agent to learn more
Multiple Policies17%
Multiple Vehicles20%
Newer Vehicle40%
Paperless/Auto Billing$2
Passive Restraint40%
Safe Driver15%
Vehicle Recovery5%
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As you can see, your vehicle can do more than just transport you to work and back. If it has any of the safety features listed above it could actually save you money on your insurance.

You can also use free resources like a State Farm auto insurance review to learn more about how State Farm can help you as a driver.

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How do insurance companies work with LexisNexis?

LexisNexis Risk Solutions provides scores to insurance companies that help them determine if you are a risky driver to insure and what your insurance rates should be.

In fact, the LexisNexis’ C.L.U.E. (Comprehensive Loss Underwriting Exchange) database holds highly detailed seven-year driving histories for all the drivers in said database. These details include:

  • All the dates you’ve incurred a loss
  • How many claims you’ve filed in a seven-year period
  • The types of losses you’ve suffered
  • How much you were reimbursed for these losses
  • Your policy numbers, both past and present
  • Any companies you purchased insurance from

While almost every auto insurance company pours information into the C.L.U.E. database, you can’t access your own information whenever you would like.

You must either cough up a a fee to see these reports or wait to obtain a free “C.L.U.E. Auto Report” that is only sent out once annually.

When an insurance company acquires a LexisNexis report on you, they can even predict how often you may file claims.

But LexisNexis doesn’t appear to be content with receiving its information from insurance companies; it’s now turned to private citizens to do its data collecting.

Through the use of the LexisNexis Desk Officer Reporting System (DORS), LexisNexis is hoping that private citizens will willingly send in their own information.

The DORS works like this: If a driver were to be in a car accident, they could send their information directly to LexisNexis, which would, after storing all the data submitted, forward the information to the driver’s insurance company.

If the thought of unwittingly ending up in the LexisNexis system disturbs you, but you need an auto insurance company, auto insurance companies that don’t use the LexisNexis system may be the best fit for you.

What You Need to Know About Auto Insurance Companies That Don’t Use the LexisNexis System

If you want as much control of your personal data as possible but need to buy auto insurance, choose auto insurance companies that don’t use the LexisNexis system.

State Farm is a great company to help you achieve this goal as it is one of the few companies that uses its own system to rate drivers and is a highly reputable insurance company.

Of course, you should always do your own research to confirm which insurance companies are the best fit for you.

You can get free quotes from auto insurance companies that don’t use the LexisNexis system when you enter your ZIP code into our free tool below.

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