Auto
How Your Credit Score Affects Car Insurance Rates
Your credit score can impact your car insurance premium. Learn how insurers use credit-based scores, which states ban it, and how to lower rates.
Insurance Score Estimator
It's not your credit score — but it affects your premiums just as much.
What is an Insurance Score?
An insurance score predicts the likelihood you'll file a claim. A higher score typically means lower premiums.
Your Profile
Homeowner?
Continuous Coverage?
Married?
91
Excellent
Factor Breakdown
✓
Credit History (35%)80✓
Driving Experience (15%)85✓
Accident Record (15%)100✓
Claims History (10%)100✓
Violations (10%)100✓
Homeowner (5%)100✓
Continuous Coverage (5%)100✓
Married (5%)100Estimates for educational purposes only. Actual rates vary by carrier and individual factors.
What Is an Insurance Score?
Your insurance score is a number that carriers use to predict how likely you are to file a claim. It combines factors like your credit history, driving record, claims history, and coverage gaps into a single rating that directly impacts the premiums you pay.
Unlike your credit score, your insurance score also weighs driving-specific factors like accidents and violations. Improving even one factor — like paying down debt or maintaining continuous coverage — can lower your rates.
Compare quotes from multiple carriers — each one weighs these factors differently
