An NAIC number is a five-digit code the National Association of Insurance Commissioners (NAIC) assigns to an insurance company, and the quickest place to find yours is often your insurance ID card. If it isn’t printed there, you can look it up for free in the NAIC’s Consumer Insurance Search (CIS) using the company name on your policy.
Brands like GEICO and Allstate run several companies, each with its own code, so you need the code for the company that issued your policy.
Key Takeaways
- An NAIC company code points to one insurance company. A brand that runs several companies has several codes, and affiliates also share a separate group code.
- You’re most likely to need it on state paperwork, such as California’s SR-1 accident report. Insurers usually file SR-22s themselves.
- Check your ID card first. Delaware requires the NAIC code on ID cards, but Florida cards show a Florida company code instead, so confirm the number in CIS.
- CIS also shows a complaint index, with 1.00 as the national baseline. Not every state reports complaints to the NAIC, so treat it as one data point.
What an NAIC Number Identifies
The NAIC’s glossary calls the company code “a five-digit identifying number” assigned to insurers that file financial data with the NAIC. Companies in a larger group also share a group code of three to five digits, but the forms below ask for the company code.
A CIS search for “GEICO” in November 2026 returned at least nine companies, including GEICO General Insurance Company (35882) and GEICO Indemnity Company (22055). RateFrog’s GEICO NAIC number guide covers the main ones.
Allstate works the same way, with Allstate Insurance Company (19232), Allstate Indemnity Company (19240) and others listed separately, as the Allstate NAIC number page explains.
When You Might Need It
| Situation | Where the NAIC number comes up |
|---|---|
| Reporting a crash to the DMV | California’s SR-1 form has a “Company NAIC Number” box. Drivers must file it within 10 days if anyone is hurt or killed, or property damage is over $1,000. |
| Proving insurance to the DMV | California’s proof of insurance page for a suspended registration asks for your NAIC and policy numbers. |
| SR-22 or FR-44 filings | Florida’s electronic filing manual for insurers identifies the filing company by NAIC code or its Florida company code. |
| Filing a complaint | Forms such as Mississippi’s ask for the company’s “complete name,” and the code helps you pin that down. |
Wisconsin’s DMV says most insurers file SR-22s electronically or by mail, so you usually won’t handle the code. RateFrog’s SR-22 guide covers the rest.
How to Find Your Insurer’s NAIC Number
- Check your ID card. California’s DMV says the “5-digit NAIC number (sometimes called Company number)” is on your card, and Delaware’s proof of insurance rule requires it. If your card shows more than five digits, California tells drivers to enter only the last five. Florida’s manual says its cards show a Florida company code instead.
- Get the company’s full name. Your declarations page names the company that issued the policy.
- Search CIS. Enter part of the name and choose your state. Each result shows the company code and where it’s licensed. The North Dakota Insurance Department suggests typing only distinctive words, since the NAIC abbreviates names (“INS,” “CO”).
- Match it to your policy. Pick the result whose full name matches your documents. CIS suggests confirming licensing with your state, using a lookup like California’s company profiles or Washington’s company search.
- Ask if you’re stuck. California’s SR-1 instructions say to ask your agent or insurance company.
Using CIS to Check Complaints and Licensing
As of November 2026, each CIS result’s “Click for Report Options” link leads to complaint reports, a financial overview and a licensing report.
The complaint index uses only closed, confirmed complaints that state insurance departments send to the NAIC. It divides the company’s share of U.S. complaints by its share of U.S. premiums. The national index is always 1.00, so a company at 2.00 drew twice the complaints expected for its size. You can choose a year (2023 to 2025 were available) and a policy type, such as Private Passenger for personal auto.
The licensing report lists states based on the company’s latest annual filing. The financial overview opens after you accept the NAIC’s terms of use, and the NAIC says CIS covers a company’s financial condition and how long it has been in business.
Those terms note that not all states send complaint data, so reports may be incomplete and shouldn’t be your only basis for choosing an insurer. The NAIC suggests comparing several companies.
Example: Finding the Code for an Accident Report
Hypothetical example: Dana, a California driver, rear-ends a car on a city street, and its repairs come to about $1,800, so she must file an SR-1. Her ID card shows no code, but her declarations page names “Example Mutual Casualty Company.”
In CIS she types “Example Mutual Cas,” selects California and sees two similar names. She picks the exact match, copies its code onto the form and checks its complaint index.
RateFrog’s car insurance guides cover other policy paperwork.
Frequently Asked Questions
Is an NAIC Number the Same as a Policy Number?
No. Your policy number identifies your contract. The NAIC code identifies the company, so every customer of that company shares it.
Does an NAIC Number Mean a Company Can Sell Insurance in My State?
No. The NAIC’s consumer auto guide says unlicensed companies can’t legally sell insurance and tells you to check with your state insurance department. Because the CIS licensing report comes from the company’s own filing, the state’s record is the better check.
Do I File a Complaint With the NAIC or My State?
Your state. The NAIC’s complaint page says to start with your state insurance department, and that most take complaints online, by mail or by phone. Participating states then report closed complaints to the NAIC. For one insurer’s process, see how to file a complaint about GEICO.
Sources
- NAIC: Consumer Insurance Search (CIS)
- NAIC: Help Glossary (Company Code, Group Code, Complaint Index Report)
- NAIC: How to File a Complaint and Research Complaints Against Insurance Carriers
- NAIC: How to File a Complaint
- NAIC: A Consumer’s Guide to Auto Insurance (PDF)
- California DMV: Report of Traffic Accident Occurring in California, SR 1 (PDF)
- California DMV: Vehicle Registration Suspension and Submitting Proof of Insurance
- Delaware Administrative Code: Regulation 606, Proof of Automobile Insurance
- Florida HSMV: Procedures Manual for Implementation of the Florida Motor Vehicle No-Fault Law, FTP Version (PDF)
- Wisconsin DMV: SR22 Certificate
- Mississippi Insurance Department: Consumer Complaint Form (PDF)
- North Dakota Insurance Department: Complaint and Financial Information
- California Department of Insurance: Company Profiles
- Washington Office of the Insurance Commissioner: Search for a Company