120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
If you don’t have a credit history, or you have poor credit, you might be looking for no-credit-check car insurance. It’s possible to buy car insurance without having your credit checked, but your premiums will likely be higher.
Most states allow insurers to consider your credit history to help determine your rate. Only California, Hawaii, Massachusetts, and Michigan ban the use of credit in car insurance.
Insurers believe that credit history indicates how likely you are to file a claim.[1] Drivers with excellent credit are less likely to file claims than drivers with poor credit.
Here’s what you should know about how credit can affect insurance rates and how comparing quotes can help you find cheap coverage.
A few regional insurers, like Dillo and CURE, don’t require credit checks. And you may not need a credit check to qualify for telematics and usage-based insurance.
True no-credit-check car insurance is rare and not automatically cheaper than standard car insurance.
Country Financial, Auto-Owners, and NJM offer the lowest rates for drivers with poor credit, Insurify data shows.
It’s not just poor credit that can affect your car insurance rate. Having no credit history can also increase your premium. Based on Insurify’s rate data, Country Financial is the cheapest insurer for drivers with no credit history, with an average premium of $53 per month for liability-only car insurance. Auto-Owners and NJM also offer some of the lowest rates for drivers with no credit, according to recent premium data.
The table below outlines the average monthly quotes from some insurance companies that offer policies to drivers with no credit history:
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Country Financial | $108 | $53 |
| USAA | $126 | $64 |
| Auto-Owners | $157 | $83 |
| GEICO | $157 | $87 |
| Safeco | $168 | $104 |
| Mile Auto | $170 | $91 |
| State Farm | $172 | $88 |
| American Family | $189 | $97 |
| Erie | $197 | $111 |
| Mercury | $205 | $113 |
| Direct Auto | $208 | $110 |
| Travelers | $213 | $110 |
| Plymouth Rock | $215 | $138 |
| National General | $216 | $108 |
| AssuranceAmerica | $217 | $127 |
| Elephant | $217 | $127 |
| Commonwealth Casualty | $221 | $102 |
| Root | $222 | $136 |
| Farmers | $229 | $118 |
| Liberty Mutual | $236 | $146 |
| GAINSCO | $256 | $119 |
| Bristol West | $257 | $132 |
| Clearcover | $262 | $143 |
| The General | $264 | $107 |
| CSAA | $288 | $191 |
| Shelter | $294 | $163 |
| The Hartford | $303 | $172 |
| Dairyland | $304 | $125 |
| Anchor | $308 | $141 |
| 21st Century | $317 | $167 |
| State Auto | $367 | $192 |
| Chubb | $439 | $232 |
| Amica | $484 | $279 |
Most insurers require credit checks in states that allow the use of credit in insurance decisions. A handful of companies say they don’t require credit checks. But their availability is limited.
Dillo: Available only in Texas, Dillo is an online agency that offers policies underwritten by Alinsco Insurance, which also only serves Texas.[2] The company’s website says it doesn’t check credit, and your rate won’t depend on your credit score. Dillo offers multi-car, homeowners, prior insurance, safe driver, and prior home insurance discounts.
CURE: CURE sells policies in Michigan, New Jersey, and Pennsylvania. The company’s website says it has never relied on required credit checks to determine car insurance rates. Instead, CURE says it bases car insurance premiums primarily on driving record.[3]
Glacier: Glacier Insurance offers car insurance policies in Pennsylvania and Delaware. The company’s website says it doesn’t perform credit checks. In business for more than 50 years, Glacier says it offers low down payments and flexible installment options.[4]
It’s possible to get approved for car insurance with no credit check. For example, if you live in a state with laws that don’t allow insurers to run a credit report, you can avoid a credit check. Even if you have a poor credit score, it shouldn’t affect your rate if you live in one of these states.
While you’re shopping, it’s important to consider how credit history affects rates and what other insurance products don’t use credit history.
While most car insurance policies require a credit check, certain types of insurance don’t, including usage-based insurance.
With a usage-based car insurance policy, your premium is based on the number of miles you drive each month. You pay a small monthly fee plus an additional rate for every mile you drive. It can be a good option if you drive infrequently, but this type of policy could be more expensive if you drive a normal amount (around 10,000 miles or more per year).
UBI programs: Nationwide SmartMiles, Allstate DriveWise, Hugo, and Metromile
Telematics programs are another coverage type that typically doesn’t require a credit check.
A telematics car insurance policy uses a device in your vehicle to track your mileage and driving habits, like acceleration, braking force, and when you drive (at night versus during the day). If you practice safe driving habits consistently, insurers may reward you with a lower rate.
Telematics programs: Progressive Snapshot, State Farm Drive Safe & Save, USAA SafePilot, and GEICO DriveEasy
Credit scores don’t directly affect car insurance rates. But insurers use the same information that makes up your credit score to create a credit-based insurance score for you. That affects car insurance rates because it indicates how likely a driver may be to file insurance claims.
When drivers fail to pay their insurance premiums or file an insurance claim, their insurance company loses money. To offset these potential risks, most car insurance companies charge higher rates for drivers with poor credit and lower rates for drivers with good credit.
To help you understand how much you might pay for car insurance based on your credit score, here are the average liability-only car insurance premiums for drivers with excellent, good, average, and poor credit:
Credit Rating | Full Coverage | Liability Only |
|---|---|---|
| Excellent | $178 | $86 |
| Good | $198 | $97 |
| Average | $215 | $104 |
| Poor | $260 | $126 |
Expert’s insight
“Insurance companies have extensive data that shows bad credit correlates with more claims, payment issues, and policy lapses. That’s why most insurers check your credit and use it to generate a credit-based insurance score to predict how likely you are to file a claim in the future.”
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Based on Insurify’s analysis of recent rate data, the cheapest auto insurance companies for drivers with bad credit scores are Country Financial, Auto-Owners, and NJM. These companies may require a credit check, but if you have poor credit or no credit, you can still get an affordable rate.
In the table below, you can see the cheapest insurers for drivers with a low credit score and the average monthly premium for full and liability-only coverage:
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Country Financial | $108 | $53 |
| USAA | $126 | $64 |
| Auto-Owners | $157 | $83 |
| GEICO | $157 | $87 |
| Safeco | $168 | $104 |
| Mile Auto | $170 | $91 |
| State Farm | $172 | $88 |
| American Family | $189 | $97 |
| Erie | $197 | $111 |
| Mercury | $205 | $113 |
| Direct Auto | $208 | $110 |
| Travelers | $213 | $110 |
| Plymouth Rock | $215 | $138 |
| National General | $216 | $108 |
| AssuranceAmerica | $217 | $127 |
| Elephant | $217 | $127 |
| Commonwealth Casualty | $221 | $102 |
| Root | $222 | $136 |
| Farmers | $229 | $118 |
| Liberty Mutual | $236 | $146 |
| GAINSCO | $256 | $119 |
| Bristol West | $257 | $132 |
| Clearcover | $262 | $143 |
| The General | $264 | $107 |
| CSAA | $288 | $191 |
| Shelter | $294 | $163 |
| The Hartford | $303 | $172 |
| Dairyland | $304 | $125 |
| Anchor | $308 | $141 |
| 21st Century | $317 | $167 |
| State Auto | $367 | $192 |
| Chubb | $439 | $232 |
| Amica | $484 | $279 |
Your credit history isn’t the only factor that can affect your car insurance premium. Here are some other criteria that insurance companies consider when calculating your rate:
Your state and ZIP code have a big effect on the cost of your car insurance. For example, if you live in an area with a higher risk of severe weather or a high rate of vehicle theft, you may pay more for insurance.
Young drivers who are newly licensed have an increased risk of accidents and, therefore, pay the highest rates. Car insurance premiums start to drop as drivers gain more experience behind the wheel.
If you have a clean driving record with no recent accidents or traffic violations, you’ll pay less for car insurance than drivers with one or more infractions on their record. Drivers with at-fault accidents, speeding tickets, DUIs, and other moving violations typically see higher car insurance premiums. Some violations, like a DUI, will increase your premium significantly.
Statistically, men are more likely to get into accidents than women. As a result, males usually pay higher auto insurance rates than females.
Not every state allows insurance companies to use a credit-based insurance score. The following states currently prohibit insurance companies from using credit as a rating factor:
These states prohibit the use of credit checks for a few reasons. First, many people are unaware that insurance companies check credit scores when they apply for car insurance. Additionally, many people don’t understand how or why their credit score affects their premium.
Advocacy groups have also argued that using a credit-based insurance score targets low-income individuals and minorities and isn’t necessarily an indicator of someone’s likelihood to experience insurance losses.
Some additional states, like Washington and Maryland, limit how insurers can use credit, rather than fully banning its use.
It can be difficult to find affordable car insurance with bad credit. Here are some tips on how to secure the cheapest rates.
Comparison shop. Using a comparison tool allows you to see multiple quotes from different insurers all at once and helps you secure the best rate.
Look for discounts. Take advantage of discounts, such as bundling, safe driving, multi-car, or anti-theft device discounts.
Increase your deductible. Increasing your deductible can save you money on your monthly premiums. But be aware that you’ll have to pay more out of pocket before your insurance kicks in after an accident.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on September 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you have poor credit, raising your score can help you get a lower car insurance rate. Here are a few tips for improving your credit score:
Make on-time payments. Paying your bills on time is important, especially if you want to improve your credit score. If you have trouble remembering due dates, consider enrolling your accounts in automatic payments so you never risk missing a payment.
Pay down your balances. If you have debt, whether it’s loan debt or credit card debt, work on paying down your balances. Also, keep an eye on your credit utilization (how much of your available credit you’re using compared to your total available credit). The lower your credit utilization is, the better your credit score will be.
Limit new accounts. Avoid opening new credit cards or taking out new loans frequently. This can cause your credit score to drop. Only open new accounts when you really need them, and make sure you can afford the monthly payments beforehand.
Here are answers to some commonly asked questions about getting car insurance with no credit check.
Yes, you can get car insurance with no credit check. But you may be limited to certain types of car insurance, like usage-based auto insurance and telematics auto insurance.
Car insurance companies look at your credit history, not your credit score. They use your credit history to generate a credit-based insurance score that indicates how likely you are to have insurance losses. In general, drivers with excellent credit pay the lowest rates, whereas drivers with bad credit or no credit pay the highest rates.
Super-regional insurers Dillo, CURE, and Glacier say they don’t check driver credit. But their availability is very limited. Most major car insurance companies will check your credit in states where they’re permitted to do so. Credit may be less of a scoring factor if you apply for usage-based or telematics-based insurance.
One of the best ways to get cheap car insurance with bad credit is to use an online quote-comparison platform. With a single application, you can see which insurers can offer you the lowest rates based on your credit score and the type and amount of coverage you want.
It can be more expensive to get car insurance without a credit check, but your actual premium will also depend on other factors, like your driving record and the company itself.
Yes, you can get car insurance without a credit history, but you’ll probably pay a higher premium. If you have no credit, consider applying for usage-based or telematics car insurance policies, which may not require a credit check.
The handful of insurance options that don’t require a credit check offer both full-coverage and liability-only policies.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
