7 Best Auto Insurance Companies That Don’t Use Credit Scores (2026)

Geico DriveEasy and Nationwide SmartRide offer affordable no-credit-check auto insurance through usage-based coverage.

Top 7 Companies: Best Auto Insurance That Don’t Use Credit Scores

You might be surprised to learn how credit scores affect auto insurance rates. Keep reading to learn more about which auto insurance companies don’t check credit and the states where companies cannot use credit scores when setting your premiums. You can also enter your ZIP code above to compare quotes.

No-Credit-Check Auto Insurance Cost Comparison

USAA offers the lowest full coverage rate at $112 per month for eligible military members and their families.

Geico offers minimum coverage starting at $55 per month, while Dillo provides full coverage from $134 monthly.

No-Credit-Check Auto Insurance Rates by Coverage Level

How Credit Score Affects Auto Insurance Prices

There are various factors that affect your auto insurance rates, and you might be surprised to learn that your credit score can also have an impact. Take a look at this table that shows you just how much your credit score can affect your auto insurance rates:

Auto Insurance Monthly Rates With No Credit Check

Unfortunately, finding companies that do not use credit scores is next to impossible unless you look at pay-as-you-go-auto insurance companies or usage-based insurance (UBI) programs.

These best auto insurance companies that don’t use credit scores stand out for fair pricing practices, strong coverage options, and personalized discounts that help drivers secure affordable rates without a credit-based insurance score affecting their premiums.

Why Auto Insurance Companies Check Credit Score

Do auto insurance companies check your credit rating? Yes, most auto insurance companies that do use credit scores believe that drivers who have good credit will be more willing to pay out of pocket for damages and are less likely to file a claim.

Do car insurance companies check your credit in all states? No, California, Hawaii, Massachusetts, and Michigan don’t allow auto insurance companies to use your credit score to determine your rates. Read our state insurance guides to learn more about no-credit-check auto insurance near you.

Learn More:

• California Auto Insurance
• Hawaii Auto Insurance
• Massachusetts Auto Insurance
• Michigan Auto Insurance

 

How to Save Money on No-Credit-Check Auto Insurance

Top Auto Insurance Discounts for No-Credit-Check

 

Ways to Save on Auto Insurance Without Credit Scores

Drivers with poor or no credit can save on auto insurance by choosing companies that base rates on driving habits instead of credit scores.

The best way to save is to compare quotes, enroll in usage-based programs, and adjust your coverage to match your driving needs without sacrificing important protection.

• Compare Quotes: Shop around regularly since insurers that don’t use credit scores can still vary significantly in price.
• Choose Usage-Based Insurance (UBI): Programs like telematics reward safe driving habits instead of relying on credit history.
• Pay Per Mile: Low-mileage drivers can save with pay-per-mile insurance that charges based on how much they drive.
• Adjust Your Coverage: Remove optional coverages you don’t need while keeping the protection required for your situation.
• Raise Your Deductible: Selecting a higher deductible can reduce your monthly premium if you can afford a larger out-of-pocket expense after a claim.

Comparing quotes, driving safely, and choosing usage-based or pay-per-mile coverage can help drivers find affordable auto insurance without credit scores.

Drivers can often find lower rates by choosing insurers that base pricing on driving behavior instead of credit scores. The best option depends on whether you want usage-based insurance, pay-per-mile coverage, or low premiums.

Other Ways to Save Money on Car Insurance With No Credit Score

Even if you can’t find car insurance with no credit check, there are other ways you can save on your auto insurance. Signing up for usage-based or pay-per-mile insurance can help you get cheap no-credit-check auto insurance rates. Learn how to sign up in our Geico DriveEasy review.

Take advantage of any available auto insurance discounts. Most auto insurance companies offer a lot of discounts in different areas. For example, you can get a good student discount, a good driver discount, or even discounts based on the safety features of your car.

Read More:

• How to Get a Good Student Auto Insurance Discount
• How to Get a Good Driver Auto Insurance Discount
• How to Get an Anti-Theft Auto Insurance Discount

You can also work to raise your credit score. Make your auto insurance payments on time and be mindful of the credit accounts you have. Raising your credit score will help lower mortgage or auto loan rates as well as car insurance rates.

 

Recommended No-Credit-Check Coverage Options

• Liability: Pays for injuries and property damage you cause to others and is required in most states.
• Collision: Covers repairs to your vehicle after an accident, regardless of who is at fault.
• Comprehensive: Protects against theft, vandalism, fire, weather damage, and other non-collision losses.
• Uninsured/Underinsured Motorist: Covers your expenses if you’re hit by a driver with little or no insurance.
• Medical Payments (MedPay) or Personal Injury Protection (PIP) helps pay medical expenses for you and your passengers after a covered accident.

7 Best No-Credit-Check Auto Insurance Companies

#1 – Geico: Top Pick Overall

Pros

• Low rates: Drivers with bad credit pay about $140/mo.
• Nationwide: Available in 50 states + DC.
• DriveEasy: Save up to 25% with usage-based insurance.
• Strong coverage: Liability, collision, comprehensive, roadside, rental, and more.

Cons

• Uses traditional rating factors: Credit, age, and other factors may affect rates.
• Average claims satisfaction: Scores below average in recent J.D. Power studies.

#2 – USAA: Best for Military Members With Bad Credit

Pros

• Lowest rates: Drivers with bad credit pay about $118/mo.
• Great for high-risk drivers: Low rates for teens and drivers with DUIs.
• SafePilot: Earn discounts for safe driving with USAA’s UBI program.
• Excellent service: Top-rated for customer satisfaction and claims.

Cons

• Military only: Available only to eligible military members, veterans, and families.
• Uses traditional rating factors: Credit and other factors may affect standard rates.

#3 – Allstate: Best Pay-Per-Mile Insurance With Bad Credit

Pros

• Milewise savings: Pay only for the miles you drive.
• Daily mileage cap: Charges stop after 250 miles/day.
• Drivewise: Earn rewards for safe driving habits.
• Strong coverage: Liability, collision, comprehensive, roadside, and rental reimbursement.

Cons

• Limited availability: Milewise is offered in only 21 states.
• Higher standard rates: Drivers with bad credit may pay around $265/mo without Milewise.

#4 – Nationwide: Best Usage-Based Insurance With Bad Credit

Pros

• Wide UBI availability: SmartRide and SmartMiles are available in 44 states.
• Big savings: Save up to 40% plus a 10% enrollment discount.
• Pay-per-mile option: SmartMiles helps low-mileage drivers save.
• Rewards safe driving: Additional renewal savings for safe driving habits.

Cons

• Lower customer satisfaction: Scores behind several major competitors.
• Below-average claims satisfaction: Ranks below average in recent J.D. Power studies.

#5 – Lemonade: Best AI-Powered Insurance for Bad Credit

Pros

• No hard credit check: Focuses more on driving and policy factors than traditional credit scores.
• AI-powered app: Get quotes, manage policies, and file claims digitally.
• Fast claims: AI helps process simple claims quickly.
• Competitive rates: Affordable pricing for eligible low-mileage drivers.

Cons

• Limited availability: Auto insurance is offered in only 9 states.
• Fewer coverage options: Offers fewer endorsements than many national insurers.

#6 – Dillo: Best for Texas Drivers With Bad Credit

Pros

• No credit check: Credit scores aren’t used to determine rates.
• Affordable high-risk rates: Competitive pricing for teens and drivers with violations.
• Texas-focused: Local agents understand Texas insurance needs.
• Flexible coverage: Liability, collision, comprehensive, roadside, and rental reimbursement.

Cons

• Texas only: Coverage is available only in Texas.
• Limited discounts: Fewer savings opportunities than most national insurers.

#7 – CURE: Best for New Jersey Drivers With Bad Credit

Pros

• No credit check: Credit scores aren’t used to determine rates.
• Regional expertise: Coverage tailored to NJ, PA, and MI insurance requirements.
• Free roadside assistance: Includes up to $125 in roadside protection.
• Referral rewards: Earn discounts for referring friends and family.

Cons

• Limited availability: Offered only in Michigan, New Jersey, and Pennsylvania.
• Few discounts: Fewer savings options than most national insurers.

How to Find the Best No-Credit-Check Auto Insurance

While knowing what car insurance company doesn’t check credit can be very difficult, not all auto insurance companies charge high rates for bad credit. Shop around and compare quotes from auto insurance companies that use credit scores and ones that don’t — you might find that a standard company offers you lower rates.

Geico, Nationwide, and Allstate are all standard companies that use traditional rating factors but still offer low rates to drivers with bad credit. Each company also offers UBI and pay-as-you-go policies that don’t require a credit check.

The good news is getting auto insurance quotes will not hurt your credit score. So, enter your ZIP code below to compare as many online insurance quotes as you can before you buy to ensure you’re getting the best rates.