Best Auto Insurance Companies That Don’t Check Credit (2021)

Finding auto insurance companies that don't check credit is very difficult since almost all companies check credit. Bad credit can raise your car insurance rates by around $165 a month. However, some states like California and Massachusetts don’t allow insurance companies to use your credit score to calculate rates. Raise your credit score to lower your rates even if you can’t find a car insurance company that doesn’t check credit.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 9, 2021

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Things to Remember

  • It’s next to impossible to find auto insurance companies that don’t check your credit
  • Bad credit can cost you an extra $165 a month on car insurance
  • Some states don’t allow insurance companies to check your credit

Drivers might be surprised that even the best auto insurance companies out there use credit scores to calculate rates. In fact, it’s almost impossible to find a car insurance company that doesn’t look at your credit score.

However, some states don’t allow your credit score to be used, and some auto insurance companies raise your rates less than others.

While it might be hard to compare rates from auto insurance companies that don’t check credit, shop around to find the best deal for you.

Keep reading to learn more about which auto insurance companies don’t check your credit score and which companies don’t raise your rates as much.

Before learning more about auto insurance companies that don’t check credit, enter your ZIP code now to compare free quotes from auto insurance companies near you today.

Which auto insurance companies don’t check your credit score?

There are many factors that affect your auto insurance rates, and you might be surprised to learn that your credit score can also have an impact.

Do auto insurance companies check my credit rating?

Yes, most auto insurance companies that do use credit scores believe that drivers who have a higher credit score will be more willing to pay out of pocket for damages and are less likely to file a claim, according to the Insurance Information Institute.

Are there car insurance companies that do not use credit scores? Unfortunately, the answer is not very many; finding no credit check auto insurance companies is next to impossible.

Take a look at this table that shows you just how much your credit score can affect your auto insurance rates.

Average Annual Auto Insurance Rates Based on Credit Rating
CompanyGood Credit RatingFair Credit RatingPoor Credit Rating
American Family$2,691.74$3,169.53$4,467.98
Liberty Mutual$4,388.18$5,604.24$8,802.22
State Farm$2,174.26$2,853.00$4,951.20
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Nationwide, Progressive, and Travelers offer the cheapest rates for bad credit car insurance. However, you can still pay around $165 more a month than drivers with good credit.

Do car insurance companies check your credit in all states? No, California, Hawaii, and Massachusetts don’t allow auto insurance companies to use your credit score to determine your rates.

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How can drivers with a bad credit score save money on auto insurance?

Even if you can’t find car insurance with no credit check, there are other ways you can save on your auto insurance.

First, take advantage of any discounts you are eligible for. 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 on your car.

Another way you can save money is by considering a usage-based car insurance policy. These policies generally charge you a low base fee and then charge per mile driven.

Usage-based car insurance is generally cheaper for drivers who have higher auto insurance rates.

Lastly, try to raise your credit score. Make your payments on time and be mindful of the credit accounts you have. Raising your credit score will also help lower mortgage or auto loan rates.

Auto Insurance Companies That Don’t Check Credit: The Bottom Line

Although knowing what car insurance company does not 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 don’t check credit and ones that do. You might find a standard company that can offer you lower rates.

Now that you know everything about auto insurance companies that don’t check credit score, enter your ZIP code to compare quotes from companies in your area for free.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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