Underwriting and Rating

Auto History Score

Fine-tune personal auto insurance pricing with powerful analytics that accelerate competitiveness. Harness vehicle history data to measure potential for future claims.

Don’t let history repeat itself.

Many insurers have long measured vehicle risk at the 10-digit VIN level, which typically assigns the same rating factor to vehicles with the same as-built characteristics. But a vehicle’s history and condition can significantly affect the chances of future claims—beyond what the vehicle rating symbols indicate.

Each vehicle’s risk is dynamic over time

Auto History Score is purpose-built using industry-leading predictive analytics to identify a vehicle’s historical data points that correlate with future claim propensity.

Pricing precision

Get a clearer picture and microsegment risk for vehicles of the same year, make, model, and trim, as they can age differently.

Insurance-ready analytics

Stop guessing which variables are predictive of future losses when you leverage an easy-to-use score for major auto coverages.

Simpler compliance

Streamline regulatory compliance by leveraging the Auto History Score model and rating rule, already filed in the majority of jurisdictions for effortless adoption.

Enhanced competitiveness

Thrive in today's competitive market while containing premium leakage and adverse selection by swiftly and accurately rating policies upfront at point of quote.

Auto History Score: A vehicle’s risk profile is more than the sum of its parts

Learn about the vehicle rating beyond the 10-digit VIN level—and how history and condition can significantly affect propensity for future claims beyond what the vehicle rating symbols indicate.

View the webinar on-demand

Auto History Score: A vehicle’s risk profile is more than the sum of its parts

Features and capabilities

Industry expertise

Leverage the predictive potential of vehicle history data from a leading expert in insurance industry analytics, helping measure the risk of future claims.

Unmatched data

Use Auto History Score to tap into an industry-leading insurance database.

Easy-to-use score

Skip the development work and use a simple 0-100 scale to gauge a vehicle's critical historical condition data, enabling effortless assessment of the vehicle's relative risk.

Additional segmentation

Price strategically and competitively with Verisk's advisory rating plans, including Risk Analyzer Personal Auto Symbols specifically designed to offer supplementary rating segmentation and lift for better performance.

Plug-and-play compliance

Streamline implementation with predictive analytics and an integrated rating rule that has been filed in the majority of states where it's permitted, as a component of the ISO Personal Auto Plan.

Accelerated quoting

Modernize the auto insurance purchasing process by introducing the score right at quote, using LightSpeed® for Personal Auto to provide a more advanced and efficient customer experience.

Related resources

Stay in the know about important industry trends and innovative solutions.

Webinar

Auto History Score: A Vehicle’s Risk Profile Is More than the Sum of its Parts

In this webinar, learn how Auto History Score can support additional segmentation on an individual vehicle, helping to measure the risk of future claims.

View the webinar on-demand

Article

Know a vehicle’s history to achieve more precise rating segmentation

Auto History Score is purpose-built using modeled data, correlated with future claims, to help auto insurers refine rating segmentation.

Read the article

Brochure

Fine-tune your vehicle rating by leveraging the power of predictive analytics

Dig into the details of Auto History Score to learn how to segment risk dynamically.

Download the brochure

White paper

Innovation Strategies for Auto Insurance Underwriting

This paper explores strategies for moving innovation forward in auto underwriting.

Read the white paper

Do more with the Verisk ecosystem

Future-proof your business with a partner that puts you in the driver’s seat.

Modernized, data-forward quoting

Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.

Learn about LightSpeed Personal Auto

Rating intelligence tools

Refine pricing and segmentation with the predictive power of hundreds of attributes and environmental factors.

Learn about ISO Risk Analyzer

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Police Lights During Evening Traffic Stop

Driving history data

Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.

Learn about Driving History Solutions

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Contact us to learn more

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International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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