List of Nevada Private Passenger Automobile Insurance Companies by Usage
Status of Credit-Based Insurance Scoring
Updated in July 2021
Pursuant to NRS 686A.700, the Division of Insurance is posting the following list of insurance
companies and their use of credit-based insurance scores in their insurance underwriting or
insurance rating for Private Passenger Automobile insurance.
Definitions:
Underwriting is the process used by the insurance companies to evaluate a risk and to decide
whether to accept or reject an insurance risk.
Rating is the process used by the insurance companies to determine how much insurance
premium to charge for a risk accepted by the underwriting.
Tiering is a rating practice used to assign insureds to one of a number of categories (tiers) based
on one or more attributes. The tier is then considered as a variable within the insurer’s larger
rating system.
Disclaimer: All content is provided for informational purposes to the public pursuant to NRS
686A.700, as amended by Assembly Bill 120 (2013). The Division of Insurance does not
promote, endorse, or recommend any insurance company regardless of underwriting or rating
systems.
Companies are organized by alphabetical order within each of four possible combinations of
usage statuses. The order of presentation should not be construed to suggest any preference for
any insurer on the list.
Companies That Do Not Use Credit-Based Insurance Scores in Either
Rating or Underwriting
Usage Status of Credit-Based
Insurance Scores in Private
Passenger Automobile
Insurance
COMPANY (with NAIC ID)
UNDERWRITING
RATING,
including
TIERING
Access Insurance Company (11711)
No
No
Allstate Insurance Company (19232)
No
No
American Access Casualty Company (10730)
No
No
American Bankers Insurance Company of Florida (10111)
No
No
American Modern Home Insurance Company (23469)
No
No
American Modern Property and Casualty Insurance Company (42722)
No
No
Dairyland Insurance Company (21164)
No
No
Electric Insurance Company (21261)
No
No
Department of Business and Industry
Nevada Division of Insurance
1818 E. College Pkwy, Suite 103, Carson City, Nevada 89706 Phone: (775) 687-0700 Fax: (775) 687-0787 Web: doi.nv.gov
GoAuto Insurance Company (62396)
No
No
Hallmark Insurance Company (34037)
No
No
Hartford Underwriters Insurance Company (30104)
No
No
Integon National Insurance Company (29742)
No
No
Ironshore Indemnity, Inc. (23647)
No
No
Key Insurance Company (12966)
No
No
Mendakota Insurance Company (22454)
No
No
MGA Insurance Company, Inc. (40150)
No
No
National Unity Insurance Company (19119)
No
No
National Direct Insurance Company (12230)
No
No
Nevada General Insurance Company (10007)
No
No
The Cincinnati Insurance Company (10677)
No
No
United Automobile Insurance Company (35319)
No
No
Western General Insurance Company (27502)
No
No
Workmen's Auto Insurance Company (13250)
No
No
Young America Insurance Company (27090)
No
No
Companies That Use Credit-Based Insurance Scores in Rating, But Not
in Underwriting
Usage Status of Credit-Based
Insurance Scores in Private
Passenger Automobile
Insurance
COMPANY (with NAIC ID)
UNDERWRITING
RATING,
including
TIERING
ACUITY, A Mutual Insurance Company (14184)
No
Yes
AMCO Insurance Company (19100)
No
Yes
American Family Connect Property and Casualty Insurance Company
(29068)
No
Yes
American Family Insurance Company (10386)
No
Yes
American Family Mutual Insurance Company, S.I. (19275)
No
Yes
American Hallmark Insurance Company of Texas (43494)
No
Yes
Amica Mutual Insurance Company (19976)
No
Yes
Amica Property and Casualty Insurance Company (12287)
No
Yes
Badger Mutual Insurance Company (13420)
No
Yes
California Casualty Indemnity Exchange (20117)
No
Yes
Civil Service Employees Insurance Company (10693)
No
Yes
Coast National Insurance Company (25089)
No
Yes
COUNTRY Casualty Insurance Company (20982)
No
Yes
COUNTRY Mutual Insurance Company (20990)
No
Yes
COUNTRY Preferred Insurance Company (21008)
No
Yes
CSAA General Insurance Company (37770)
No
Yes
Depositors Insurance Company (42587)
No
Yes
Essentia Insurance Company (37915)
No
Yes
Esurance Insurance Company (25712)
No
Yes
Esurance Property and Casualty Insurance Company (30210)
No
Yes
Farmers Insurance Exchange (21652)
No
Yes
Federal Insurance Company (20281)
No
Yes
Fidelity National Insurance Company (25180)
No
Yes
Financial Indemnity Company (19852)
No
Yes
Garrison Property and Casualty Insurance Company (21253)
No
Yes
GEICO Advantage Insurance Company (14138)
No
Yes
GEICO Casualty Company (41491)
No
Yes
GEICO Choice Insurance Company (14139)
No
Yes
GEICO Secure Insurance Company (14137)
No
Yes
Loya Insurance Company (11198)
No
Yes
Mendakota Insurance Company (22454)
No
Yes
Merastar Insurance Company (31968)
No
Yes
Mercury Casualty Company (11908)
No
Yes
MIC General Insurance Corporation (88943)
No
Yes
Mid-Century Insurance Company (21687)
No
Yes
Midvale Indemnity Company (97159)
No
Yes
Nationwide Affinity Insurance Company of America (26093)
No
Yes
Nationwide General Insurance Company (23760)
No
Yes
Nationwide Insurance Company of America (25453)
No
Yes
Nationwide Mutual Insurance Company (23787)
No
Yes
Nevada Capital Insurance Company (11165)
No
Yes
Pacific Indemnity Company (20346)
No
Yes
Pharmacists Mutual Insurance Company (13714)
No
Yes
Primero Insurance Company (11855)
No
Yes
Progressive Direct Insurance Company (16322)
No
Yes
Progressive Northern Insurance Company (38628)
No
Yes
Response Insurance Company (43044)
No
Yes
Root Insurance Company (10974)
No
Yes
Shelter Mutual Insurance Company (23388)
No
Yes
Stillwater Insurance Company (25180)
No
Yes
Teachers Insurance Company (22683)
No
Yes
The Cincinnati Casualty Company (28665)
No
Yes
The Standard Fire Insurance Company (19070)
No
Yes
The Travelers Home and Marine Insurance Company (27998)
No
Yes
Titan Indemnity Company (13242)
No
Yes
TravCo Insurance Company (28188)
No
Yes
United Services Automobile Association (25941)
No
Yes
Unitrin Direct Property & Casualty Company (10915)
No
Yes
USAA Casualty Insurance Company (25968)
No
Yes
USAA General Indemnity Company (18600)
No
Yes
Victoria Fire & Casualty Company (42889)
No
Yes
Vigilant Insurance Company (20397)
No
Yes
Companies That Use Credit-Based Insurance Scores in Underwriting,
But Not in Rating
Usage Status of Credit-Based
Insurance Scores in Private
Passenger Automobile
Insurance
COMPANY (with NAIC ID)
UNDERWRITING
RATING,
including
TIERING
Hartford Fire Insurance Company (19682)
Yes
No
Companies That Use Credit-Based Insurance Scores in Both
Underwriting and Rating
Usage Status of Credit-Based
Insurance Scores in Private
Passenger Automobile
Insurance
COMPANY (with NAIC ID)
UNDERWRITING
RATING,
including
TIERING
AIG Property Casualty Company (19402)
Yes
Yes
Allstate Fire and Casualty Insurance Company (29688)
Yes
Yes
Allstate Indemnity Company (19240)
Yes
Yes
Allstate Property and Casualty Insurance Company (17230)
Yes
Yes
American National General Insurance Company (39942)
Yes
Yes
American National Property and Casualty Company (28401)
Yes
Yes
Bankers Standard Insurance Company (18279)
Yes
Yes
Central Mutual Insurance Company (20230)
Yes
Yes
Crestbrook Insurance Company (18961)
Yes
Yes
Encompass Home and Auto Insurance Company (11252)
Yes
Yes
Encompass Indemnity Company (15130)
Yes
Yes
Encompass Insurance Company of America (10071)
Yes
Yes
GEICO General Insurance Company (35882)
Yes
Yes
GEICO Indemnity Company (22055)
Yes
Yes
Government Employees Insurance Company (22063)
Yes
Yes
Great Northwest Insurance Company (26654)
Yes
Yes
Hartford Accident and Indemnity Company (22357)
Yes
Yes
Hartford Casualty Insurance Company (29424)
Yes
Yes
Hartford Insurance Company of the Midwest (37478)
Yes
Yes
Horace Mann Insurance Company (22578)
Yes
Yes
Horace Mann Property & Casualty Insurance Company (22756)
Yes
Yes
IDS Property Casualty Insurance Company (29068)
Yes
Yes
Liberty Insurance Corporation (42404)
Yes
Yes
Liberty Mutual Fire Insurance Company (23035)
Yes
Yes
LM General Insurance Company (36447)
Yes
Yes
LM Insurance Corporation (33600)
Yes
Yes
Metropolitan Group Property & Casualty Insurance Company (34339)
Yes
Yes
Metropolitan Property and Casualty Insurance Company (26298)
Yes
Yes
National General Assurance Company (42447)
Yes
Yes
National General Insurance Company (23728)
Yes
Yes
Permanent General Assurance Corporation (37648)
Yes
Yes
Privilege Underwriters Reciprocal Exchange (12873)
Yes
Yes
Progressive Casualty Insurance Company (24260)
Yes
Yes
Progressive Northwestern Insurance Company (42919)
Yes
Yes
Progressive Preferred Insurance Company (37834)
Yes
Yes
Progressive Specialty Insurance Company (32786)
Yes
Yes
Property and Casualty Insurance Company of Hartford (34690)
Yes
Yes
Safeco Insurance Company of Illinois (39012)
Yes
Yes
Sentinel Insurance Company (11000)
Yes
Yes
State Farm Fire and Casualty Company (25143)
Yes
Yes
State Farm Mutual Automobile Insurance Company (25178)
Yes
Yes
The First Liberty Insurance Corporation (33588)
Yes
Yes
Trumbull Insurance Company (27120)
Yes
Yes
Twin City Fire Insurance Company (29459)
Yes
Yes
Viking Insurance Company of Wisconsin (13137)
Yes
Yes
