Auto Insurance Companies That Don’t Check Credit (2021)

Auto insurance companies that don't check credit are 108% more expensive than companies that do. Car insurance companies that do check credit provide cheaper rates based on your credit score. California, Hawaii, Massachusetts, and Washington have outlawed credit-based auto insurance.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 28, 2021

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

A Concise Overview

  • On average, bad credit and no-credit-check auto insurance is 108% more expensive than someone with excellent credit
  • Credit history correlates to risk
  • Usage-based auto insurance programs can reduce your monthly rates

Why are car insurance companies that don’t check credit more expensive? Your credit history is one of the most critical factors that determine the cost of auto insurance coverages.

Sometimes your credit score can produce high car insurance rates. But don’t worry – we’re here to help.

Our guide shows you which insurance companies have no-credit-check policies. Also, we’ll explain various ways you can secure affordable auto insurance, even if with a bad credit score or no credit at all.

After you learn about auto insurance companies that don’t check credit, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Where can I find auto insurance companies that don’t check credit?

Car insurance companies in California, Hawaii, Massachusetts, and Washington have outlawed credit-based insurance rates.

However, the majority of states allow auto insurance companies to charge rates based on credit score.

Let’s look at the average cost of credit-based car insurance by various credit scores.

  • No Credit – $227/month
  • Bad Credit (300 to 579) – $227/month
  • Fair Credit (580 to 669) – $187/month
  • Good Credit (670 to 739) – $153/month
  • Excellent Credit (740 to 799) – $128/month
  • Exceptional Credit (800 to 850) – $109/month

No-credit-check auto insurance is $118 (108%) more than insurance attached to exceptional credit.

Car insurance companies that do not use credit scores are more expensive, but they’re usually restricted to a few states.

But what car insurance company does not check credit? No-credit-check auto insurance companies are spread out across the nation.

Insurance companies that ask for your Social Security number will likely look at your credit history.

For example, CURE Auto Insurance provides no-credit-check insurance policies, but it’s located in Pennsylvania.

Also, companies like Root Insurance are trying to remove credit-based insurance from their pricing systems.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Which auto insurance companies don’t run credit checks for coverage?

It’s challenging to locate car insurance companies that provide no-credit-check insurance policies.

We found a few that are available outside of California, Hawaii, Massachusetts, and Washington. Here’s the list of insurance companies.

  • CURE Auto Insurance (Pennsylvania and New Jersey)
  • Dillo (Texas)
  • Emperor Insurance (Texas)

Try shopping for car insurance in your local area to see if you can locate a company with no-credit-check car insurance.

What are the best auto insurance companies that do check credit?

The top car insurance companies in the United States use credit history to determine insurance costs.

Here’s a list of the best auto insurance companies and their average rates based on fair, good, and poor credit.

Average Monthly Credit-Based Auto Insurance Rates by Company
CompaniesGood Credit HistoryFair Credit HistoryBad Credit History
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
Get Your Rates Quote Now

Compare RatesStart Now →

USAA, State Farm, and GEICO are the cheapest companies with credit-based car insurance rates. But USAA is only available for military veterans and their immediate families.

Why do car insurance companies check your credit? According to the Federal Trade Commission, auto insurance companies are part of a list of businesses that correlate credit to the risk of filing claims.

If you have good credit, you’re less likely to file a claim. But fair and poor credit correlates to higher claim frequency. Therefore, insurance companies charge more to offset the risk.

Car insurance with no credit is just as expensive as bad credit car insurance.

What companies provide no credit and bad credit auto insurance?

We’ve seen the best car insurance companies, but what about smaller insurance companies?

Here’s a list of auto insurance companies that provide high-risk auto insurance in addition to standard policies.

  • Access (in Arizona and Indiana)
  • Alliance United (in California)
  • Dairyland
  • Direct Auto
  • GAINSCO
  • The General
  • Infinity
  • SafeAuto
  • United Auto

These car insurance companies can help get coverage if you’ve been denied at other companies because of your credit history.

How do I save money on auto insurance when I have bad credit or no credit?

You can save money on car insurance when you qualify for several discounts. One of the most significant auto insurance deals is known as the safe driver discount.

Safe driver (or defensive driver) discounts can save 25% on car insurance. But you save more when you apply for usage-based insurance.

Usage-based auto insurance can provide a discount based on your driving habits. The better your driving behaviors, the more you’ll save.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Can I improve my credit score?

The short answer is yes. Although paying for auto insurance won’t improve your credit, paying off any debts can improve your score.

If you don’t have any credit, try to get small loans of $1,000 or less. Your credit score will improve as you pay the money back to lenders, banks, or credit card companies.

Auto Insurance Companies That Don’t Check Credit: The Bottom Line

Some insurance companies don’t perform credit checks, but the car insurance companies that don’t check credit are more expensive.

However, you can lower insurance rates when you’re eligible for several discounts.

Now that you know more about auto insurance companies that don’t check credit, use our free comparison tool to compare multiple companies near you.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption