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

Geico, USAA, and Allstate are top picks for affordable auto insurance, offering strong financial ratings, broad availability, and UBI programs that reward safe driving.

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 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

• Affordable rates: Drivers with bad credit pay about $140/mo
• DriveEasy savings: Safe drivers can lower premiums through Geico’s UBI program
• Broad coverage: Liability, collision, comprehensive, uninsured motorist, roadside assistance, and rental reimbursement
• Discounts: Multi-policy, multi-vehicle, good student, military, defensive driving, and vehicle safety discounts

Cons

• Uses credit where allowed: Credit-based insurance scores may still affect standard premiums
• UBI can affect pricing: DriveEasy rates can change based on driving behavior
• Claims satisfaction varies: Scores can trail some competitors in J.D. Power studies.

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

Pros

• Lowest rates: Drivers with bad credit pay about $118/mo
• SafePilot savings: UBI discounts reward safer driving habits
• Strong coverage: Liability, collision, comprehensive, roadside assistance, rental reimbursement, and uninsured motorist coverage
• Military discounts: Savings may apply for vehicle storage, military installation garaging, and other eligible situations

Cons

• Restricted eligibility: Only available to eligible military members, veterans, and families
• Uses credit where permitted: Credit can still influence standard rates in some states.
• SafePilot varies by state: Availability and savings differ by location.

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

Pros

• Milewise savings: Low-mileage drivers pay based partly on miles driven
• 250-mile daily cap: Mileage charges stop after 250 miles/day
• Drivewise rewards: Safe driving habits can earn additional savings
• Strong coverage: Liability, collision, comprehensive, roadside assistance, rental reimbursement, and uninsured motorist coverage

Cons

• Limited Milewise availability: Offered in only 21 states
• Higher standard rates: Drivers with bad credit may pay about $265/mo without Milewise
• Mileage matters: Higher-mileage drivers may save less with pay-per-mile coverage

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

Pros

• SmartRide savings: Safe drivers can save up to 40%
• Enrollment savings: SmartRide may include a 10% participation discount
• SmartMiles option: Pay-per-mile coverage can benefit low-mileage drivers
• Strong coverage: Liability, collision, comprehensive, roadside assistance, rental reimbursement, and uninsured motorist coverage

Cons

• UBI availability varies: SmartRide and SmartMiles are not offered everywhere
• Driving data required: UBI pricing depends on monitored driving behavior
• Lower satisfaction: Nationwide can rank below some competitors in customer and claims satisfaction

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

Pros

• Digital-first service: Quotes, policy changes, billing, and claims can be handled through the app
• AI claims processing: Simple claims may be handled more quickly through automation
• Low-mileage savings: Pricing can favor drivers who drive fewer miles
• Core coverage: Liability, collision, comprehensive, uninsured motorist, and state-required protections

Cons

• Limited availability: Auto coverage is offered in select states
• Fewer add-ons: Fewer specialty coverages than larger national insurers
• Limited local-agent service: Best suited to drivers comfortable with digital policy management

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

Pros

• No-credit-focused pricing: Designed for drivers seeking alternatives to traditional credit-based underwriting
• High-risk options: Coverage may be available for drivers with tickets, accidents, or prior insurance issues
• Texas-focused: Policies are tailored to Texas insurance requirements.
• Coverage options: Liability, collision, comprehensive, roadside assistance, and rental reimbursement

Cons

• Texas only: Coverage is not available outside Texas
• Fewer discounts: Offers fewer savings programs than most national insurers
• Smaller network: Less nationwide support than Geico, Allstate, or Nationwide

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

Pros

• No credit-based pricing: CURE focuses more heavily on driving history than credit
• Regional availability: Coverage is offered in New Jersey, Pennsylvania, and Michigan
• Free roadside assistance: Includes up to $125 in roadside protection.
• Coverage options: Liability, collision, comprehensive, PIP, and other state-required protections

Cons

• Limited availability: Only offered in three states
• Few discounts: Fewer discount opportunities than major national carriers
• Smaller service footprint: Limited agent and service network compared with larger 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.