Auto Insurance for Drivers with Bad Credit
In most states, credit history affects insurance rates. Learn how drivers with poor credit can find affordable coverage and work toward better rates.
Challenges Drivers with Bad Credit Face
How to Save on Bad Credit Auto Insurance
Best Companies for Drivers with Bad Credit
GEICO
A++ RatedGEICO is known for competitive rates and a streamlined digital experience, making it easy to get quotes and manage policies online.
Read Review →Progressive
A+ RatedProgressive is known for innovative tools like Snapshot and Name Your Price, helping drivers find affordable coverage tailored to their needs.
Read Review →State Farm
A++ RatedState Farm is the largest auto insurer in the United States, offering comprehensive coverage through a network of local agents.
Read Review →Farmers
A RatedFarmers Insurance combines a strong local agent network with customizable coverage options and unique programs like their New Car Pledge.
Read Review →Coverage Recommendations
- Get required state minimum coverage at minimum
- Consider higher deductibles to lower premiums
- Don't let coverage lapse - it worsens credit impact
- Review coverage options annually
Drivers with Bad Credit Auto Insurance FAQ
How much does bad credit increase car insurance?
Poor credit can increase rates by 50-100% compared to drivers with excellent credit. In some states, the impact is even larger. The effect varies significantly by insurer.
Which states don't use credit for car insurance?
California, Hawaii, and Massachusetts prohibit using credit scores in auto insurance pricing. Some other states limit how credit can be used.
Can I improve my insurance rate by improving credit?
Yes, improving your credit can lower your insurance rates. Ask your insurer about re-running your credit-based insurance score after you've made improvements.
Is credit score the same as insurance score?
No, credit-based insurance scores are calculated differently than regular credit scores. They focus on factors that predict insurance risk, though the exact formula varies by insurer.
Drivers with Bad Credit Insurance by State
Insurance rates and requirements vary by state. Find information specific to your location.
Get Drivers with Bad Credit Auto Insurance Quotes
Compare rates from top insurers and find the best coverage for your needs. It only takes a few minutes.
Get Free Quotes