How Credit-Based Insurance Scores Can Affect Premiums
Some insurers in some states use credit-based insurance scoring as one of many pricing factors. This is not always the same as your lending credit score.
Where It Applies
State laws differ. Some states restrict or prohibit the use of credit information in auto insurance rating. Always check local regulations and insurer disclosures.
What Else Matters
Insurers also consider driving record, prior claims, annual mileage, location, coverage limits, and vehicle details.
How to Improve Options
Maintain continuous insurance, compare multiple quotes, ask about discounts, and review policy limits and deductibles carefully.