What Is an NAIC Number? How Do You Find It?

Last Updated on January 29, 2026

The National Association of Insurance Commissioners (NAIC) is the standard-setting organization that supports state insurance regulators across the U.S. It’s not a government agency, but it helps state departments of insurance coordinate oversight, share data, and create model rules and best practices.

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).

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.

Key Takeaways

• 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 find your NAIC number on your declarations page, ID card, policy documents, or by using the NAIC Consumer Insurance Search database.
• 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. Most insurance companies list this NAIC code on your insurance policy, on their website, and elsewhere. You can also use the NAIC number to look up a company and review relevant complaints about that insurance company.

How to Find an NAIC Number

You can find an NAIC number in a few common places:

• Your declarations page (often near the insurer’s legal name or mailing address)
• Your proof of insurance / ID card (many states include it)
• 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 company’s report options to view details like lines of business, states licensed, and complaint information

Important: many insurers have multiple NAIC numbers. The NAIC number you need is the one tied to the specific underwriting company listed on your declarations page—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.

NAIC Numbers of Major Insurance Companies

Every insurance company has a unique NAIC number. Below is a list of NAIC numbers for major auto insurers in the United States (note that large insurers may appear multiple times due to separate underwriting companies).

Note: Many major brands use multiple underwriting companies (and NAIC numbers). For complaint and licensing research, always match the NAIC number on your declarations page to the exact company listed on your policy.

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 complaint-related reporting tied to that insurer. 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: the NAIC itself isn’t the agency that enforces 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.