No Credit Check Auto Insurance

If you are in the market for a new auto insurance policy, or your current plan is up for renewal, you should be aware that your credit score has a significant impact on your auto insurance premiums. With a poor credit score, your insurance company could choose to raise your premium or even cancel your policy or refuse to insure you. Most auto insurance companies use credit score as one of the main factors in determining your insurance costs. If your credit score is not exactly where you would like it to be, this does not mean you won’t be able to insure your vehicle; it just means that you will have to do your research in finding an insurance company that provides no credit check auto insurance.

how to get auto insurance quotes without a credit check

Why Is Your Credit Score Important To Insurance Companies

The reason insurance companies check your credit is because your credit score is a good indication of your financial stability and credibility (though not all the time). All insurance – be it homeowner’s, life, health, or automobile, is based on statistics and risk management. Based on these statistics, insurance companies have found that the lower a policy holder’s credit score is, the more likely they are to file claims, exaggerate claims, commit insurance fraud, or be late on payments. Like it or not, your credit score is an essential piece of information to insurance companies.

By all means, having a low credit score does not make you a criminal. Just because you have poor credit does not mean you will commit insurance fraud or be a liability to your auto insurance company, it just means that you will be grouped with other individuals who have poor credit. Do not take it personally. Remember, insurance scores are not there to predict your behavior; they are there to predict the behavior of a group of people with similar credit histories.

Generally speaking, a good credit score is defined as one above 700. Let’s take a look at what says about good credit:

A “good” credit score depends on the scoring system used by your particular lender. Different scoring systems use different scales. However, if you have a good credit score from one of the credit reporting agencies, you are likely to have a good credit score with your lender.

  • Most credit scores fall between 600 and 750
  • A score above 700 usually suggests good credit management

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A bad credit score is typically below 600. If credit was the only factor insurance companies looked at, people with credit scores of 700 and above would always pay less than people with scores of 600 and below, and this is not the case. There are good and bad apples in every group. Just because someone has a good credit score does not mean they won’t commit insurance fraud or submit bogus insurance claims.

How To Find Out Your Credit Score

To make sure your credit score will not negatively affect your auto insurance costs, you should obtain a copy of your credit report. If you are in the United States, the Fair Credit Reporting Act says that you are entitled by law to receive one copy of your credit report each year. A quick Google search for “free credit reports” will put you in touch with many of these companies that will run a credit check for you. Alternatively, you can find information about your credit score directly from one of the three major credit-rating agencies – Transunion, Equifax, and Experian.

Where To Find An Insurance Company That Does Not Do Credit Checks

Most insurance companies will want to know your risk level before they offer to insure you. There are some companies, however, that will never do a credit check on you. If you are concerned that your credit score will negatively affect your insurance premiums, you should get a quote from one of these companies.

If you are in the United States, you can use our quote form at the top of this page to get no credit check auto insurance quotes. To find additional companies that won’t check your credit, you can contact your state’s insurance department for more suggestions. As of 2019, insurance companies such as Allstate and Progressive have been known to not use credit checks in determining premiums. Their algorithms are always changing, however, so it’s best to check with them first to make sure.

In general, if a company asks for your social security number (SSN), they are most likely going to run a credit check on you. Because we value your privacy, will never ask for your social security number when calculating your auto insurance quote. To begin your search for the best auto insurance prices without having to subject yourself to a credit check, scroll back up to the top of this page and enter your zip code to begin.


  Comments: 9

  1. You can get automobile insurance with any kind of credit score. With a credit score of 500 you can get cheap insurance rates, with a credit score of 800 you can get cheap insurance rates. The difference is – some companies will charge you more for a bad credit score and other companies won’t even look at it. When it comes to auto insurance, you really shouldn’t be concerned with your credit score.

    Simply put, if one company does a credit check on you and gives you high insurance rates because of that… just go and find another company. Not all companies base your insurance premiums based on your credit score. Just find a company that doesn’t do credit checks.

    • Yeah sure Johnny, why am I paying $40+ dollars more for NOT having a credit score? If you have no score then you get screwed. I had a bankruptcy drop off my credit history and now I have a null credit report meaning I don’t have a number rating. Insurance companies are scum, I have a more than a perfect driving record for over 15 years.

      • You are hitting the issue right where it hurts. Why in the heck does a credit score determine a car insurance rate? My driving record is perfect and not my credit, but it does not matter.

        Car Insurance companies in my opinion is the biggest scam ever allowed in US history.
        For example the questions they ask you when I applied for recent car insurance.
        1]Are you married ? 2]Do you have a degree ? 3]What job do you do ? Do you own a home ?
        All the clever tricks these companies are trying to get more money out of good hard working people. What the heck does that have to do with car insurance?
        Why not how many speeding tickets have you had recently/Are you a safe driver/Did you have a wreck ever?

  2. Exactly why? I actually never imagined why you would be able to get an auto insurance quote without getting a credit check.

  3. That is the biggest crock I have ever heard for using anyone’s credit score. You know as well as I do or anyone else for that fact that its only used same as credit card companies use it for lower the score = higher the percentage rate. But the way Insurance companies use it is Lower your score Higher your payments will be, which would make good since if you could buy insurance on credit but you cant they have NO credit plan for buying insurance on credit,…. so using your credit score is a Rip-off in their favor. Think not! ask and see if their main task is to get your money for as long as they can and pay out as less or if any when they have to, and if they say they don’t watch out I’m sure they will fall dead in front of you. I know a scam when I see one and them using your score is a scam! there are companies that DO NOT use your credit score, stick with them, and them only.

  4. Recently lost my car insurance and doing so cannot get another policy due to my credit.

  5. Linda McKenzie

    When I bought a new car last year I had a 723 credit score and after the dealership sent out 28 blanket inquiries for lenders it dropped to 513. When State Farm renewed my van the insurance on it went from $43. a month to $175 a month. I am paying $302 a month for all of my insurance instead of the $158 that I was. In 20 years with State Farm I have made 2 claims, neither were my fault. Credit based rates are grossly unfair in my opinion.

  6. I need home and auto insurance. I recently closed my business due to medical issues. I was unable to properly maintain it physically and my credit suffered. In March, I was unable to afford insurance but I have started a home based business and things are much better. I can afford home and auto. I have no mortgage and I only owe a veey small amount on my car.

  7. Steve demosey

    Need car and homeowners insurance that dont go by credit score

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