Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 23, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • Only a few states don’t allow insurance companies to use your credit score as a factor in your rate calculations
  • You may be able to avoid sharing your credit score by using a usage-based insurance company
  • Drivers with poor credit can find affordable auto insurance online.

Bad credit can affect your life in many ways. In fact, some car insurance companies will raise your rates because of it.

If you have a less than desirable credit score but need lower car insurance rates, car insurance companies that don’t check credit could provide the solution you need.

When shopping for car insurance quotes, car insurance companies that do check credit will be far and away easier to find. That’s because your credit score is one of the major factors that affect the price of car insurance.

Why do car insurance companies run your credit?

Many insurance companies use your credit score to ascertain how big of a risk you may pose. There’s no need to worry though, because if you know where to look, you can discover the perfect no-credit-check car insurance company for you.

Enter your ZIP code into our free tool to discover auto insurance companies that don’t check credit and start saving today.

Which insurance companies do not require credit scores?

When you begin your search for car insurance insurance companies that do not use credit scores, you’ll find that, while they are limited, you will have some great options to choose from. How do you know which company is right for you?

First, consider you may have to purchase a type of car insurance that is not quite the same as a standard car insurance policy.

Suppose you want to keep your credit out of the equation when shopping for insurance. In that case, you should consider buying usage-based insurance. There are a few versions of this type of program.

Pay-Per Mile Car Insurance

While you should always double-check that an insurance company won’t need to know your credit score, the chances that a pay-per-mile insurance company will check your credit are low.

If you’re curious about this type of car insurance, you can get a head start on your search by comparing quotes from these companies:

  • Metromile
  • SmartMiles from Nationwide
  • Milewise from Allstate

Pay-per-mile insurance coverage can be a great fit for low mileage drivers on a budget. With this type of insurance, your monthly premium is determined by how many miles you drive.

Metromile, for example, offers a base rate of just $29 per month. Root Insurance has advertised that drivers can pay as little as $109 per month.

SmartMiles from Nationwide advertises a variable rate starting at $60 per month, and the rates offered by Milewise from Allstate are nothing to sneeze at either. Drivers could get a policy with a $48 base rate with Milewise.

Drivers who don’t travel very far daily could potentially save themselves quite a bit of money. However, if you have to drive a lot for work, then this type of insurance may not be the best fit for you.

In that case, you may need to consider other usage-based options.

Other Usage-Based Insurance Programs

Most car insurance companies offer usage-based insurance programs that focus more on how you drive than how far.

Again, you should always ask an insurance company if your credit score will play a role in your rate calculation. However, even if it will, joining a telematics insurance program could keep your rates low.

Insurance companies that offer these types of programs reward safe drivers with a discount for safe driving practices. Typically, the insurance company will send out a device that plugs into your car or an app you can download on your phone that records:

  • the time of day you drive
  • your average speed
  • your braking habits
  • total drive time
  • other factors determined to increase your risk of filing an auto claim

Even if you think you don’t have the best driving habits currently, there’s no time like the present to improve your driving. These programs don’t usually track where you go or other sensitive information. Instead, they focus on driving behaviors that have been identified as risky. There are quite a few major companies that offer these programs too. Let’s take a look at which companies offer these programs and how much they can save you:

Telematics Programs and Discounts

Insurance ProviderTelematics ProgramPotential Savings
AAAAAADriveWhen you sign up, save up to 15%
Save up to 30% for safe driving
AllstateDrivewiseWhen you sign up, save up to 10%
Save up to 30% for safe driving every 6 months
American FamilyKnowYourDriveWhen you sign up, save 5%
Save up to 20% for safe driving
GeicoDriveEasyTrials began August 2019
Program savings unknown
Liberty MutualRightTrackGaurenteed savings at sign up
Save up to 30% for safe driving
Met LifeMy JourneyWhen you sign up, save up to 10%
Save up to 30% for safe driving
NationwideSmartRideWhen you sign up, save 10%
Save up to 40% for safe driving
ProgressiveSnapshotSavings at sign up avg: $26
Program avg savings: $145
State FarmDrive Safe & SaveWhen you sign up, save about 5%
Save up to 30% for safe driving
The HartfordTrueLaneWhen you sign up, save 5%
Save up to 25% per vehicle for safe driving
TravelersIntelliDrivePossible savings at sign up
Save up to 20% for safe driving
Get Your Rates Quote Now

Compare RatesStart Now →

While you should always practice safe driving, depending on where you live you may not have to worry about any insurance company checking your credit score.

In a small number of states insurance companies can’t use credit scores. However, in states where it is legal, most major insurance companies do check credit.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What states do not allow insurance companies to check credit scores?

Currently, if you live in any of these four states, you do not have to worry about an insurance company using your credit score against you:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • Washington (temporarily)

Of course, if you don’t live in one of these states, there are plenty of other ways to keep your insurance rates low. Discounts are an excellent way to reduce your rates.

What You Need to Know About Affordable Car Insurance Companies That Don’t Check Credit

If you have bad credit, car insurance rates that don’t break the bank may seem too good to be true. However, you may very well be able to get great insurance coverage with usage-based insurance companies like Root Insurance and Metromile without revealing your credit score.

Of course, if you put a lot of miles on the car on a regular basis, you should consider looking into programs like GEICO DriveEasy and Progressive Snapshot.

If you are looking for cheap car insurance with bad credit, don’t wait to get the coverage you need. Enter your ZIP code to get free quotes from car insurance companies that don’t check credit.