Root, Metromile, and Mercury Insurance are the best car insurance companies that don't use LexisNexis.

Root is the cheapest company that doesn't use LexisNexis. Rates start at $16/month. However, Root and Metromile are only available to low-mileage drivers.

Company	Rank	UBI Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	52%	NR	Safe Drivers	Root
	#2	30%	A-	Low Mileage	Metromile
	#3	50%	A	Budget Coverage	Mercury
	#4	30%	A+	Customer Service	Erie
	#5	30%	B	National Coverage	State Farm

This article provides a practical car insurance guide that examines how these insurers offer personalized, privacy-conscious coverage without using LexisNexis to set rates.

Shop around for the best car insurance provider that values your privacy by entering your ZIP code above.

What You Should Know

• Root and Metromile are the cheapest companies that don't use LexisNexis
• Mercury offers the best usage-based insurance without LexisNexis
• LexisNexis is a database for driving records and credit history

#1 – Root: Top Overall Pick

Pros

• Safe Driver Test Drive: Instead of using LexisNexis, Root requires drivers to take a test drive to determine eligibility and set rates.
• Excellent Add-Ons: Unlike other low-mileage insurers that don't use LexisNexis, Root offers roadside assistance and rental reimbursement.
• Normal Complaint Level: Root doesn't have any more complaints than other companies that don't use LexisNexis. Find out what customers think about Root Insurance.

Cons

• Limited Availability: Root car insurance is only available in 41 states.
• No Financial Rating: Root isn't large enough to have an A.M. Best rating, which means claim payouts may be less reliable than other companies that don't use LexisNexis.

#2 – Metromile: Best for Low-Mileage Drivers

Pros

• Low-Mileage Rewards: Drivers get additional perks and lower rates if they drive less than 10,000 miles a year.
• Merger with Lemonade Insurance: Lemonade Insurance acquired Metromile in 2022 to offer more policy options in more states.
• Strong Financial Rating: With an A- rating from A.M. Best, Metromile is a financially sound insurance company that doesn't use LexisNexis.

Cons

• Limited Availability: While the merger with Lemonade could expand its reach in the future, Metromile is only available in eight states.
• Expensive Rates: It's the most expensive provider that doesn't use LexisNexis at $44/month.

#3 – Mercury Insurance: Best for Usage-Based Coverage

Pros

• Usage-Based Discount: Mercury RealDrive usage-based plans offer up to 50% off rates, a bigger discount than other companies that don't use LexisNexis.
• Rideshare Coverage: Mercury Insurance covers rideshare and delivery drivers without using LexisNexis. Explore coverage options in our Mercury review.
• Mobile Friendly: Drivers can make payments, update policies, and call roadside assistance from the Mercury Insurance mobile app.

Cons

• Limited Availability: Mercury car insurance without LexisNexis CLUE reports is only in 11 states.
• Worst Claims Service: J.D. Power ranks Mercury last for customer claims satisfaction compared to other insurance companies that avoid LexisNexis.

#4 – Erie: Best Customer Service

Pros

• Excellent Claims Service: Erie is the top three company that doesn't use LexisNexis for claims satisfaction in annual J.D. Power surveys.
• Cheap Rates: Erie has some of the best rates without using LexisNexis. Minimum coverage starts at $22/month. Get more quotes in our Erie review.
• Strong Financial Rating: Erie has an A+ A.M Best rating, the highest on this list of car insurance companies that avoid LexisNexis.

Cons

• Limited Availability: Erie auto insurance is only in 12 states, including Washington, D.C.
• Limited Mobile Access: As one of the smaller car insurance companies that don't use LexisNexis, Erie's mobile app and website aren't as streamlined.

#5 – State Farm: Best for National Coverage

Pros

• Broad Availability: State Farm is the largest car insurance company with policies in every state.
• Great Claims Service: As the top six companies in J.D. Power surveys, State Farm has higher claims satisfaction than most companies that don't use LexisNexis.
• Usage-Based Savings: Read our Drive Safe and Save review to learn how to lower State Farm rates without using LexisNexis,

Cons

• Restricted Coverage: State Farm car insurance is in all 50 states, but it's not writing new policies in Massachusetts or Rhode Island.
• Uses Its Own Database: State Farm is the biggest insurance company that doesn't use LexisNexis, but it has its own database for tracking driving records and setting rates.

Comparing Rates From the Top Insurance Companies That Don't Use LexisNexis

Opting for companies that avoid LexisNexis can give a more personalized quote and help high-risk drivers save money. The table below compares rates from the top five auto insurance companies that don't use LexisNexis CLUE reports:

Insurance Company	Minimum Coverage	Full Coverage
	$22	$58
	$29	$77
	$44	$115
	$16	$43
	$33	$86

Root and Metromile are the best low-mileage car insurance companies and have the cheapest coverage without using LexisNexis. However, these rates depend on how often you drive.

High-mileage drivers will have better rates with Erie, Mercury, or State Farm. These insurance companies don't use LexisNexis but may use their own database to assess risk.

It can be difficult to find car insurance companies that avoid LexisNexis near you, but these top five providers offer exceptional rates if you're a low-risk, low-mileage driver.

Car Insurance Discounts from Top Providers Avoiding LexisNexis

Explore discounts from top car insurance companies that avoid LexisNexis. Some insurers provide discounts for implementing safety features or completing defensive driving courses.

Insurance Company	Available Discount
	Safe Driver, Multi-Policy, Young Driver, Good Student, Safety Features, Low Mileage, Pay-in-Full, Good Driver
	Multi-Vehicle, Good Student, Homeownership, Pay-in-Full, Vehicle Safety Features, Good Driver
	Safe Driver, Multi-Vehicle, Multi-Policy
	Safe Driver, Good Student, Anti-Theft, Pay-in-Full, Multi-Policy, Paperless Billing
	Safe Driver, Multi-Line, Good Student, Steer Clear, Drive Safe & Save, Anti-Theft, Vehicle Safety Features

Drivers with a clean driving record qualify for the most discounts. These discount options help manage costs and ensure a more personalized insurance experience by avoiding LexisNexis.

Root is one of the best companies for safe drivers because it requires a test drive before writing a policy rather than using Lexis Nexis. This gives you real-time control over your driving habits and monthly premiums.

Leading Car Insurance Companies Provide Better Coverage Without LexisNexis

The best car insurance companies that don't use LexisNexis are Root, Metromile, and Mercury Insurance. These providers use mileage-based pricing or their own databases to set car insurance costs per month.

To find the best car insurance companies that don’t use LexisNexis, compare quotes online and explore local options to secure the most competitive rates. Enter your ZIP code to find the best car insurance providers that don't use LexisNexis.