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The Insurance RecordAn independent record of insurance agents and brokers — licensing, appointment, and conduct, checked against real regulation

Last reviewed: 14 October 2026

Home › Agent guides › How to check an insurer is authorized in your state

How to check an insurer is authorized in your state

Short answer: Check with your state insurance regulator, not with the company or a third-party site. Use your state's company lookup, or the licensing report in NAIC Consumer Insurance Search.[1] Search for the exact legal company name on your policy. We link to these official records and never state ourselves whether a company is licensed.

Official company lookups

WhereOfficial tool
Any stateNAIC Consumer Insurance Search (licensing report)[1]
TexasTDI: Look up an insurance company. TDI also offers a report "to view or download a list of Texas insurance companies", under "Company licensing" > "Authorized insurance companies".[2]
CaliforniaCDI company profile search
FloridaFlorida OIR company search
Other statesYour state insurance department (NAIC: state complaint and contact pages)

Steps

1. Find the legal company name on your policy or quote. A brand often uses several companies. 2. If you can, note its NAIC company code (see What is an NAIC company code?). 3. Search that name or code in your state's lookup or NAIC CIS. 4. Check that the record covers your state and your type of insurance. 5. If anything is unclear, call your state insurance department. In Texas that's 800-252-3439,[3] and in California 800-927-4357.[4]

FAQ

The brand name isn't found. What now?

Search for the legal company name on your policy documents instead.

Is an agent's license the same as a company's authorization?

No. They're separate records. For agents, see How to check if an insurance agent is licensed.

Can theinsurancerecord.org confirm it for me?

No. Only the regulator's record counts, so check the official link above.

References

  1. [1] TDI, "Complaint data resources", https://www.tdi.texas.gov/consumer/complaint-data.html (accessed 2026-10-14), describes NAIC's tool as including a "licensing report".
  2. [2] TDI, "Look up an insurance company…", https://www.tdi.texas.gov/consumer/company-profiles-and-agents-for-service-of-process.html (accessed 2026-10-14).
  3. [3] TDI, "Get help with an insurance complaint", https://www.tdi.texas.gov/consumer/get-help-with-an-insurance-complaint.html (accessed 2026-10-14).
  4. [4] CDI, "Contact Us", https://www.insurance.ca.gov/0500-about-us/05-Contact/ (accessed 2026-10-14).

What you can do next