What is my NAIC number?

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Your NAIC number is a unique 5-digit code assigned to your insurance company, which you can find printed on your physical or digital auto insurance card, policy declaration page, or by searching the Consumer Insurance Search Tool.

Where to Find Your NAIC Number

  • Insurance ID Card: Look near your policy number or the insurer's name for a 5-digit code. It may be unlabelled or listed on the back.
  • Policy Documents: Check the declarations page of your policy documentation.
  • Online Lookup: Search for your insurance provider's exact legal name on the NAIC Consumer Search.

(Note: If you are looking for a business industry classification code instead, that is a NAICS code, which you can find via the U.S. Census Bureau NAICS Search).

How do I find my NAIC number?

You can find your 5-digit National Association of Insurance Commissioners (NAIC) number using the Consumer Insurance Search tool.

Where to Look

  • Insurance Card: Look at your physical or digital auto/health insurance card. It is usually labeled as "NAIC" or "Company Number".
  • Policy Documents: Check your policy declarations page or billing statements.
  • Online Search: Search your insurance company's name followed by "NAIC number" in a search engine.

How do I find my NAICS code?

You can find your North American Industry Classification System (NAICS) code by using the U.S. Census Bureau NAICS Search or the NAICS Association Search Tool.

NAICS codes are self-assigned. Businesses choose their own codes based on their main income-producing activity.

Steps to Find Your Code

  • Check existing documents: Look at the upper right-hand corner of your past federal tax returns or business formation paperwork.
  • Use keyword search: Go to the U.S. Census Bureau NAICS Search and type a single keyword describing your main product or service (e.g., "landscaping" or "consulting").
  • Browse and drill down: Use the industry structure or drill-down tables to navigate from broad two-digit sectors down to specific six-digit codes.
  • Read definitions: Open the code detail page to check the official scope notes, including what activities are included and excluded, to pick the best 6-digit match.

Is a NAIC number the same as an insurance number?

No, an NAIC number is not the same as your personal insurance policy number.

Key Differences

  • NAIC Number: A unique 5-digit code assigned by the National Association of Insurance Commissioners to identify the insurance company itself (the corporate carrier, such as State Farm or Geico). Every policy issued by that specific company shares the exact same NAIC code.
  • Insurance Number (Policy Number): A unique alphanumeric code assigned to you as an individual to identify your specific policy and coverage. No other customer has your exact policy number.

Where They Appear

  • NAIC Number: Printed on your insurance ID card or policy documents, often labeled as "Company Code" or "NAIC". State DMVs often ask for this number when you register a vehicle.
  • Insurance Number: Also printed on your insurance ID card and policy declarations page, usually labeled as "Policy Number" or "Policy ID."

What is a NAIC ID number?

An NAIC ID is a unique five-digit code assigned by the National Association of Insurance Commissioners to every authorized U.S. insurance company.

Where to Find It

  • Look at your physical or digital insurance ID card.
  • Check your policy declarations page or billing statements.
  • Search the official Consumer Insurance Search tool provided by the NAIC.

Common Uses

  • Vehicle Registration: State DMVs require this code to prove active auto insurance when registering a car.
  • Filing Claims: Used by medical providers, repair shops, or other drivers to accurately route insurance claims.
  • Verifying Coverage: Helps consumers and financial institutions confirm that an insurance company is licensed in their specific state.

NAICS Codes, Explained

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What is a 5 digit NAIC code?

A 5-digit NAIC code is a unique, five-digit identification number assigned by the National Association of Insurance Commissioners (NAIC) to every licensed insurance company in the United States.

Purpose and Usage

  • Identification: Acts like a Social Security number for insurance carriers to separate them in regulatory databases.
  • Applications: Required for filing insurance claims, registering vehicles at the DMV, and looking up company financial data or consumer complaints.
  • Location: Printed directly on insurance cards and policy declaration pages.

NAIC vs. NAICS

Do not confuse an NAIC code (insurance company ID) with a NAICS code (North American Industry Classification System, which uses 5 or 6 digits to classify business types and industries).

What if I forgot my policy number?

You can retrieve your forgotten policy number quickly by checking your insurer's online portal, reviewing billing statements, or calling customer service.

Where to Look First

  • Digital apps: Log in to your insurance company's mobile app or website to view your digital ID card and policy details.
  • Email and mail: Search your email inbox or paper files for policy confirmation emails, renewal notices, or monthly billing statements.
  • Declarations page: Check the policy declarations page mailed to you when you first started or renewed your coverage.

What to Do If You Still Can't Find It

  • Call customer service: Contact your insurance agent or company directly and be ready to verify your identity with your full name, date of birth, address, or Social Security number.
  • Check with HR: If your coverage is through an employer-sponsored plan (like health or life insurance), reach out to your human resources department.

What if I don't have a NAICS code?

If you don't have a NAICS code, you can easily self-assign one because the North American Industry Classification System is not an officially issued license or registration.

💡 What To Do If You Need One Right Now

  • Self-assign: Pick the 6-digit code matching your primary revenue source.
  • Search keywords: Use the Census Bureau NAICS Search tool.
  • Pick the closest match: Choose a general or catch-all category if an exact match is missing.

🔎 Where To Look It Up

  • Tax forms: Check prior-year tax returns or Schedule C / Form 1120 instructions.
  • Business credit reports: Check your profile on Nav or business credit bureaus (Experian, D&B).
  • EIN application: Look at the original letter you received when getting your Employer Identification Number.

⚠️ What Happens If You Leave It Blank or Guess Wrong

  • Tax filing: The IRS or state tax agency may delay processing or request clarification.
  • Loan applications: Banks may flag your file if your business activity appears high-risk or mismatched.
  • Government contracting: You may miss targeted small-business solicitations or set-asides on SAM.gov.

Is NAICS the same as EIN?

No, a NAICS code is not the same as an EIN.

  • EIN (Employer Identification Number): This is a unique nine-digit tax ID number assigned by the IRS to identify your business entity for tax filing and reporting.
  • NAICS (North American Industry Classification System): This is a five- or six-digit code used by government agencies and businesses to classify what industry your company operates in.

Does every company have a NAIC code?

No, not every company has an NAIC code, because NAIC codes apply exclusively to licensed insurance companies.

People often confuse NAIC with NAICS, which causes a lot of mix-ups. Here is how they differ and how they apply to businesses:

1. NAIC Code (Insurance Only)

  • What it is: A unique five-digit identification number.
  • Who gets one: Only authorized or licensed insurance companies (such as health, property, casualty, or life insurers) regulated by the National Association of Insurance Commissioners.
  • Does every company have one? No. If your business is not an insurance carrier (e.g., a retail store, tech startup, or restaurant), it will not have an NAIC code.

2. NAICS Code (General Industry Classification)

  • What it is: A six-digit number from the North American Industry Classification System. It describes a company's business activity or industry.
  • Who gets one: Nearly all general business establishments.
  • Does every company have one? Yes, or more accurately, every business can and should select a NAICS code that best describes its primary revenue-producing activity. Unlike insurance codes, businesses usually self-assign or choose their NAICS code for tax, banking, or statistical forms.