Underwriting and Rating

ISO Symbols

Harness the industry standard for personal auto insurance vehicle symbols. Leverage year, make, model, and trim details plus extensive loss experience insights.

ISO Symbols are trusted by the industry

Mispriced vehicle risk can drag an auto portfolio down. Insurers aiming to segment and rate risk precisely need data at the year, make, model, and trim levels. A 10-digit VIN is critical but may not be enough for optimal rating—unless it’s backed by deep loss experience and actuarial insights.

Become an icon of success with the industry standard in symbols

ISO Symbols for vehicles are the go-to source for rating insights that help drive more precise pricing across a broad range of coverages.

Pricing precision

Deepen your understanding of risk and set more accurate premiums for automobiles of the same year, make, model, and trim with our vehicle series rating symbols.

Insurance-ready symbols

Remove the guesswork of predicting future losses for all major auto brands by leveraging an easy-to-use numeric symbol for major auto coverages.

Streamlined compliance

Combine ISO symbols with Verisk's rating filings in all states and Washington, D.C.

Enhanced competitiveness

Stay competitive while containing premium leakage and adverse selection by swiftly and accurately rating policies upfront at point of quote.

Features and capabilities

Industry expertise

Leverage the industry standard in vehicle symbols, designed to predict future loss and supported by decades of actuarial knowledge.

Unmatched data

Harness ISO Symbols, available for hundreds of private passenger vehicle series—including make, model, body style, and wheelbase—and built on an unmatched insurance industry statistical database.

Easy-to-use symbols

Use a straightforward numerical scale to assess a vehicle's risk across various coverages: Physical damage—including comprehensive and collision—and liability, including personal injury protection and medical payments.

Dynamic adjustment to emerging loss patterns

Adapt easily: Verisk assigns initial VSR symbols off suggested retail price, refining annually from experience. Liability, personal injury protection, and medical payments (LPMP) symbols are adjusted bi-annually with factors such as weight and frame.

Plug-and-play compliance

Adopt ISO symbol advisory rating relativities as filed with state regulators and built into the ISO Personal Auto Plan—or easily tailor the symbols to suit your unique rating plan.

Streamlined quotes and delivery

Accelerate auto insurance buying with instant symbol integration at the point of quote, using LightSpeed® for a modern, efficient customer journey. Alternatively, opt for delivery via VINMASTER^® or ISONet^®.

Related resources

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

Brochure

Gain a deeper understanding of vehicle risk

Personal auto insurers can’t afford to leave premium dollars on the table or see good risks speed off to the competition. ISO Symbols can help insurers offer more accurate pricing.

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

Symbol delivery and discovery

Identify an automobile's current ISO Vehicle Series Rating Symbol quickly and easily--even without a VIN.

Learn about VINMASTER

Rating intelligence tools

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

Learn about ISO Risk Analyzer

Vehicle history scores

Fine-tune your rating process with analytics about a vehicle’s historical information.

Learn about Auto History Score

Build sheet details

Uncover granular vehicle risk components for underwriting, rating, and claims adjusting.

Learn about TrueVIN

Simplified compliance

Gain efficiency and security by outsourcing compliance for DMVs, lienholders, loss payees, and updates that impact loan and coverage verification.

Learn about CV Services

Contact us to learn more

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Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

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1-800-888-4476

Global toll-free:

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

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