Best Auto Insurance Companies That Don’t Check Credit (2024)
The best auto insurance companies that don't check credit are Nationwide, Geico, and American Family. Bad credit can raise rates by around $165/mo, except in states where it's forbidden. Below, we'll help you find the best car insurance with no credit check and buy the cheapest no-credit-check auto insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
3,019 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
19,116 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
2,180 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
- Nationwide, Geico, and American Family are the best auto insurance companies that don’t check credit
- Bad credit can cost you an extra $165 a month on car insurance
- Some states, such as California, don’t allow insurance companies to check your credit
You might be surprised to learn how credit scores affect auto insurance rates, even with the top providers. However, you can still find the best auto insurance companies that don’t check credit from companies such as Nationwide, Geico, and American Family.
Keep reading to learn more about which auto insurance companies don’t check your credit score and what car insurance doesn’t use credit score. Before learning more about no-credit-check auto insurance companies, enter your ZIP code now to compare free quotes from the best auto insurance companies near you today.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
The Best Auto Insurance Companies That Don’t Check Your Credit Score
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.
So, 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:
Auto Insurance Monthly Rates by Credit Rating
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| Allstate | $322 | $382 | $541 |
| American Family | $224 | $264 | $372 |
| Farmers | $306 | $325 | $405 |
| Geico | $203 | $249 | $355 |
| Liberty Mutual | $366 | $467 | $734 |
| Nationwide | $244 | $271 | $340 |
| Progressive | $302 | $330 | $395 |
| State Farm | $181 | $238 | $413 |
| Travelers | $338 | $362 | $430 |
| USAA | $152 | $185 | $308 |
Nationwide, Progressive, and Travelers auto insurance 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.
How Drivers Can Save on No-Credit-Check Auto Insurance Coverage
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 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 on 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
Another way you can save money is by considering a usage-based auto 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.
More About the Best Insurance Companies That Don’t Use Credit Score
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 car insurance companies that don’t check credit and ones that do. You might find a standard company that can offer you lower rates.
Auto insurance customers with poor credit can expect to pay up to 60% more on their premiums😱! Has your credit increased recently📈? Get updated auto insurance quotes here: https://t.co/27f1xf131D! Learn more about what affects insurance rates👉: https://t.co/1ZJQo5P2Di. pic.twitter.com/biYj1tyf3H
— AutoInsurance.org (@AutoInsurance) February 28, 2023
Now that you know everything about car insurance that doesn’t check credit, enter your ZIP code to compare quotes from no-credit-check auto insurance companies in your area for free.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What car insurance does not use credit score?
Nationwide, Geico, and American Family are the best no-credit-check auto insurance companies.
Does State Farm check credit score?
Yes, State Farm generally checks your credit score when evaluating your auto insurance rates.
Does Progressive check credit score?
In states allowing it, Progressive checks credit history as it periodically reviews policies.
What is the cheapest car insurance for poor credit?
Geico usually offers the lowest average rates for drivers with poor credit, averaging $82 monthly. Read more about the best auto insurance companies for drivers with bad credit.
Do all auto insurance companies check credit scores before providing coverage?
No, not all auto insurance companies check credit scores as part of their underwriting process. While many insurers do consider credit history to assess risk, there are companies that don’t rely on credit checks to determine premiums or coverage eligibility.
Why would I want to choose an auto insurance company that doesn’t check credit?
Opting for an auto insurance company that doesn’t check credit can be beneficial if you have a less-than-perfect credit history. It allows you to obtain coverage without worrying about your credit score impacting your premiums or coverage options.
Does shopping for car insurance hurt your credit score?
No, there isn’t a hard credit check when you evaluate auto insurance quotes.
How can I find out if a specific auto insurance company checks credit?
The best way to determine if a particular auto insurance company checks credit is to reach out to them directly. Contact their customer service or visit their official website to inquire about their underwriting process and whether credit checks are part of it.
Can an auto insurance company check my credit without my permission?
Generally, auto insurance companies require your consent to check your credit. They must comply with privacy and data protection regulations, which typically require explicit consent from the policyholder before accessing their credit information. However, it’s essential to review the terms and conditions of the insurance company to understand their specific practices regarding credit checks.
Is it legal for an auto insurance company to deny coverage based on credit scores?
The legality of denying coverage based on credit scores can vary by jurisdiction. In some states or countries, it may be prohibited to use credit scores as the sole basis for denying coverage. However, in other regions, insurance companies may have the discretion to consider credit scores as a factor in determining coverage eligibility. It’s advisable to consult local laws and regulations or seek legal advice to understand the specific rules in your area.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.