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
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
Article
Know a vehicle’s history to achieve more precise rating segmentation
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.
White paper
Innovation Strategies for Auto Insurance Underwriting
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.
Rating intelligence tools
Refine pricing and segmentation with the predictive power of hundreds of attributes and environmental factors.
Loss history innovations
Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.
Driving history data
Rethink MVR expenses—one of the costliest aspects of auto insurance underwriting—with a transformative solution.
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.
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