UPDATED: Sep 11, 2020
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Although it can be difficult to find no credit check auto insurance, with some companies it is possible to get a car insurance quote without a credit check. If you’re 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 rates.
With a poor credit score, your insurance company could choose to raise your rates, cancel your policy, or refuse to insure you. Most auto insurance companies use credit score as one of the main factors that determine your auto insurance rates.
If your credit score is not exactly where you’d like it to be, this doesn’t mean you won’t be able to insure your vehicle. It just means that you’ll have to do your research in finding an insurance company that provides no credit check auto insurance.
To get an auto insurance quote with no credit check, enter your ZIP code. Start comparing quotes today to find car insurance with no credit check. Keep reading to find car insurance companies that do not check credit and learn how to get insurance quotes without a credit check.
Where to Find Auto Insurance Companies That Don’t Check Credit
Do all insurance companies run credit checks? If not, which car insurance companies don’t check credit? It might surprise you to learn that your credit score and auto insurance quotes are closely linked.
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’re concerned that your credit score will negatively affect your insurance rates, you should get a quote from one of these companies.
If you’re 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.
What auto insurance does not check credit? As of 2019, insurance companies such as Allstate and Progressive have been known to not use credit checks in determining rates. Their algorithms are always changing, so it’s best to check with each company first to make sure.
It’s also important to note that not all states allow the use of credit scores to determine car insurance rates. According to Forbes, California, Hawaii, and Massachusetts don’t allow car insurance companies to take credit scores into account. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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Why Your Credit Score Is Important to Auto 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 homeowners, life, health, or automobile, is based on statistics and risk management.
Based on these statistics, insurance companies have found that the lower a policyholder’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.
Of course, having a low credit score doesn’t make you a criminal. Having poor credit doesn’t mean you will commit insurance fraud or be a liability to your auto insurance company. It just means that you’ll be grouped with other individuals who have poor credit.
Don’t take it personally. Remember, insurance scores are not there to predict your behavior. They’re there to predict the behavior of a group of people with similar credit histories.
Check out this table to see just how much your credit score affects your car insurance rates.
|Companies||Average Annual Rates with Good Credit||Average Annual Rates with Fair Credit||Average Annual Rates with Poor Credit|
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If you have good credit, you’ll pay around $260 a month for auto insurance. However, you’ll pay about $430 a month with bad credit. That’s an average difference of $170 a month just based on your credit score.
Generally speaking, a good credit score is defined as one above 700. Let’s take a look at what Experian 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’re 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.
Source – Experian.com
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, but this is not the case.
There are good and bad apples in every group. Having a good credit score does not mean a person won’t commit insurance fraud or submit bogus insurance claims. Don’t worry if your credit score is low. There are lots of ways to improve it, relatively fast. Watch this video for some tips.
Improving your credit score will not only help keep your car insurance rates low. It will also help you when you buy a car or look for a mortgage.
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’re in the U.S., the Fair Credit Reporting Act says that you’re 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. You can also find information about your credit score directly from one of the three major credit-rating agencies — Transunion, Equifax, and Experian.
In general, if a company asks for your social security number (SSN), they’re most likely going to run a credit check on you.
We value your privacy and will never ask for your Social Security number when calculating your auto insurance quote. The good news is that you can get no credit check auto insurance in Florida, Texas Michigan, New York, or any other state. No matter what state you’re in, it’s best to shop around to get the cheapest car insurance out there.
Keep in mind, though, that this review covers only the U.S.; no credit check car insurance in the UK could look much different.
Now that you know more about no credit check cheap car insurance, enter your ZIP code to start getting free quotes for the best auto insurance without a credit check.