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No Credit Check Car Insurance

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022


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Quick Facts

  • Bad credit can raise your auto insurance rates, but there are ways to get around it.
  • A few auto insurance companies don’t check your credit—but they might not offer great coverage or premiums.
  • In California, Michigan, Massachusetts, and Hawaii, your credit score is off-limits to insurance companies.

Are you worried that poor credit will raise your auto insurance rates? It’s true that insurance companies rely heavily on credit scores to determine your likelihood of filing an insurance claim. So having bad credit will require you to put in a little more effort on the journey to cheap car insurance.

Some companies don’t check your credit, but they might not offer full coverage, and their premiums aren’t a guaranteed win for every policyholder. Follow the tips in this article to beat credit check auto insurance, and log on to Insurify for a comprehensive list of free quotes tailored to your driver profile. You’ll have easy access to the best rates available to you.

No-Credit-Check Auto Insurance

Looking for car insurance companies that don’t check your credit score? There are a handful in every state, like Cure Auto Insurance, which provides no-credit-check auto insurance in New Jersey and Pennsylvania, and Dillo by Empower Insurance for Texas drivers. But be warned: premiums from companies like this are typically unimpressive.

You should look around for no-credit-check car insurance in your area, but bypassing a credit check is rarely the best way to get cheap auto insurance with a spotty credit history. For that, you’ll just want to look far and wide by getting car insurance quotes from as many companies as you can, including companies that check your credit score.

See More: Compare Car Insurance

How to Tell If You Have Bad Credit

First, your FICO credit score is not the same as the credit score used by insurance companies to evaluate your credit. Different insurance companies do it differently—and the rules as to how they can use certain information also vary by state—but in general, providers use credit reports and other information to produce what’s called an insurance score.

Your insurance score won’t be all that different from your FICO credit score. If you’re curious, Credit Karma can help you estimate your auto insurance score.

With a poor insurance score, you’re likely to pay more on average than drivers with excellent credit, even if you have a great driving history. But while a bad credit rating certainly makes it harder to find cheap car insurance, there are plenty of ways to lower your insurance rates despite the challenge.

See More: Best Car Insurance Companies

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Tips for Cheap Auto Insurance with Bad Credit

Car insurance for bad credit drivers is widely available, and you’ll still have lots of places to shop around for the policy and premium that work for you. Insurance companies are likely to offer higher rates to a driver with a low credit score, but it doesn’t have to devastate your budget if you use other strategies to bring your premiums down.

Telematics Discounts

If your credit rating is low, insurance companies will take it as evidence that statistically, you are more likely to file a claim than someone with great credit. So enrolling in a telematics program can help you provide more evidence to the insurance company that even if you don’t have a good credit score, you’ve got great driving habits and deserve low rates.

Lots of car insurance companies, especially the larger ones, have telematics programs. When you build a strong driving record and show off your driving habits, and perhaps bundle up with homeowners or other policies, you can start to save money and give insurance companies more confidence you’re unlikely to file claims.

High-Risk and Nonstandard Auto Insurance

Bad credit will affect car insurance rates because you get evaluated as a high-risk driver who is more statistically likely to file an insurance claim than a customer with fair credit. Luckily, some companies specialize in nonstandard auto insurance for high-risk drivers. So if you have bad credit that is making for super-high auto insurance quotes, you might try one of them.

Be aware: some non-standard companies only sell minimum liability policies or otherwise have limited coverage options. You probably won’t get the best car insurance from a nonstandard-only insurance provider. But if you’re out of options, they can certainly help.

Best Auto Insurance Companies for Bad Credit Car Insurance

Even though they’ll check your credit score, some companies have better reputations for offering forgiving rates to drivers with bad credit. Besides, we can’t all have good credit, and everyone needs car insurance!

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Is it possible to get car insurance without a credit check?

In most states, car insurance companies are allowed to use credit score as a way to measure the risk of a policyholder. In a handful of states, this practice is outlawed.

States with Credit Score Regulations for Car Insurance Companies

Some states have stood up for drivers with poor credit and mandated that companies limit their use of credit scores in setting rates and refusing coverage. This is just one reason why car insurance premiums can vary so highly in different locations, even from the same insurance provider. See if your state helps you catch a break from credit score-driven insurance pricing:

Auto Insurance RegulationRelevant States
Auto insurance companies can’t use your credit score to set rates or deny, renew, or cancel your auto insurance policyCalifornia, Massachusetts, Hawaii, Michigan
Auto insurance companies can’t refuse or cancel your coverage based on credit, nor can they use your credit score to raise your rates upon renewalMaryland
Auto insurance companies can’t deny you auto insurance based on your credit score and are limited in how they can use credit to set your policyOregon, Utah

Tips for Raising Your Credit Score

You can’t raise your credit score in a day. But while you’re navigating the insurance challenges of a spotty credit history, you can start working to save money in the future by building your credit score.

Contact a credit bureau (Experian, TransUnion, or Equifax) to check your credit score with a free annual credit report. Your credit report will give you some insight as to why you might have poor credit and give you a full inventory of your credit cards and history.

If you don’t have a credit card, take one out and start paying it on time. Some people don’t have good credit because they haven’t spent the time it takes to build it. If you pay rent, you can use this to build credit with a handful of services.

Pay down the balance on your debts as you’re able—don’t make the minimum payments unless you have to. Your credit score will get better if you work to limit the number of late payments you’re making and pay down the balances that are the highest. It’s a myth that paying only the minimum on your credit cards will help—it won’t!

Seek financial help. Debt is stressful and confusing. You’ll have a better chance of getting through it and rehabilitating your credit score if you seek professional advice.

See More: Best and Worst Sites to Compare Car Insurance

Cheap Car Insurance for All Credit Scores

Whatever your credit score, the best way to find the cheapest car insurance for you is to get a quote from as many insurance companies as you can. Plenty of insurance companies offer lower rates on car insurance to those with bad credit, where other companies would charge higher premiums. Your best rate is waiting for you—all you have to do is find it.

Frequently Asked Questions

  • It’s simple: bad credit means higher premiums! It’s unfair, but it’s the reality.

  • Yes, there are a handful of insurance companies in a given area that offer no-credit-check auto insurance. But your search shouldn’t stop there: these companies frequently provide minimum insurance only or lack the customer service record of traditional insurance companies. So get insurance quotes from lots of companies before you sign a policy.

  • Many banks and credit card companies will provide you with FICO credit checks. Credit bureaus (Experian, TransUnion, and Equifax) also provide you with a free credit report each per year.

  • Bad credit makes it a little harder to find cheap car insurance, but it’s never impossible. You just need to find the insurance companies in your area that have discounts that match your profile and aren’t too harsh on a spotty credit history. Insurify is a great way to start comparing quotes and finding that perfect match.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell

Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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