Equifax is seeking approval in Georgia for an auto insurance score built from consumers’ telephone, pay-TV and utility payment histories.

The Insight Score for Insurance uses account data from the National Consumer Telecom and Utilities Exchange, a member-owned database managed by Equifax that contains information on more than 200 million consumers. The database does not include traditional Equifax credit information.

According to the filing, the score considers factors such as the number and age of service accounts, balances, recent connections, late payments and charge-offs. A lower score indicates higher expected claims risk, while a higher score indicates lower risk.

Equifax said the model adds predictive information beyond conventional auto rating variables, including traditional credit scores. It may also provide risk indications for more than 30 million consumers with NCTUE accounts who cannot be scored using standard credit-bureau data.

The model was developed using insurance experience from 2010 through 2012 covering nearly 6.3 million policies, 4.7 million earned car years, $2.8 billion in earned premium and approximately 619,000 claims. The data came from multiple carriers and covered 47 states and Washington, DC.

The filing is a resubmission of an earlier application that Equifax withdrew. The company said the model has already been approved by Georgia for at least one carrier and is now seeking inclusion on the state’s approved list of third-party scoring vendors, allowing other insurers to use it.

Equifax is requesting an October 1, 2026, effective date.

Bottom Line: Bristol West appears to be the unnamed carrier already approved to use Equifax’s Insight Score in Georgia.