Car insurance is essential to drive legally and protect your finances—but if you have bad credit, securing an affordable policy can be challenging. The truth is, your credit score can significantly affect the quotes you receive from insurance companies.
That doesn’t mean you’re stuck paying sky-high premiums. In this guide, we’ll break down how to get an auto insurance quote for bad credit, explain how credit influences pricing, share which companies are most friendly to low-credit drivers, and show you how to save money even if your credit isn’t perfect.
Credit scores typically range from 300 to 850. Insurers may have their own scoring systems, but here’s a general guideline:
| Credit Score Range | Category |
|---|---|
| 800–850 | Excellent |
| 740–799 | Very Good |
| 670–739 | Good |
| 580–669 | Fair |
| 300–579 | Poor/Bad |
A score below 670 is usually considered subprime. If you fall into the “Fair” or “Poor” category, insurers may label you as a higher risk—even if your driving history is clean.
Insurers in most states use something called a credit-based insurance score, which helps predict how likely you are to file a claim.
Studies show that drivers with poor credit can pay up to 60–70% more on average for the same coverage as those with excellent credit.
Here’s a comparison of average annual premiums (based on 2024 data):
| Credit Rating | Average Annual Premium |
|---|---|
| Excellent | $1,450 |
| Good | $1,730 |
| Fair | $2,100 |
| Poor | $2,750–$3,200 |
Even with a perfect driving record, a bad credit score can significantly raise your premiums.
Insurance companies claim that drivers with higher credit scores:
While controversial, credit scoring has proven statistically effective for predicting claim activity.
These scores consider factors like:
However, it’s important to note: Your credit score is not the same as your insurance score—the latter is tailored specifically for insurers.
Some states have laws that limit or ban insurers from using credit scores in pricing or underwriting:
| State | Credit Score Use in Insurance |
|---|---|
| California | Prohibited |
| Hawaii | Prohibited |
| Massachusetts | Prohibited |
| Michigan (partially) | Limited use after July 2020 |
| Washington (temporary ban) | Being challenged; status changes |
If you live in one of these states, your credit will not impact your quote. Otherwise, it’s likely a major factor.
Here’s how annual rates for full coverage stack up across credit tiers, based on national averages:
| Insurance Company | Excellent Credit | Bad Credit |
|---|---|---|
| GEICO | $1,350 | $2,690 |
| Progressive | $1,480 | $2,550 |
| Allstate | $1,720 | $3,100 |
| State Farm | $1,420 | $2,850 |
| USAA (military only) | $1,200 | $2,000 |
Rates vary by state, age, vehicle type, and coverage limits—but this gives a general sense of the impact.
Getting a quote is quick and easy. Here’s what to do:
You’ll need:
Top sites include:
These let you see quotes from multiple insurers at once.
Look beyond price. Consider:
Once you’ve selected a quote, you can apply directly with the insurer and finalize your policy.
Some insurers are more lenient or competitive for drivers with lower credit scores:
| Company | Pros |
|---|---|
| Progressive | Name Your Price tool, wide range of coverage |
| GEICO | Strong discounts, solid mobile tools |
| Nationwide | Vanishing deductible and accident forgiveness |
| Direct Auto | Specialized in high-risk drivers |
| Bristol West | Non-standard coverage and flexible payments |
| The General | Accepts poor credit and high-risk profiles |
For military members or families, USAA is by far the best—low rates and exceptional service.
Even with bad credit, you can reduce your premium through discounts like:
Ask each provider what discounts are available—and make sure they’re applied to your quote.
Profile:
Josh used Compare.com and found these quotes:
| Insurer | Monthly Premium | Annual Savings |
|---|---|---|
| Progressive | $192 | $876 |
| The General | $209 | $672 |
| GEICO | $215 | $600 |
Josh switched to Progressive and saved over $870 per year, despite having a low credit score.
Rates change often—especially after a credit or driving record update.
Opting for a $1,000 deductible over $500 can cut your premium significantly.
Don’t over-insure a car that’s worth less than $4,000.
Paying bills on time and reducing debt will help lower your insurance rates long-term.
Paying your 6- or 12-month premium upfront usually results in a discount.
If traditional insurers are too costly due to your credit, consider these options:
Apps like Root, Metromile, or Noblr track your driving behavior. Safer drivers pay less—credit plays a smaller role.
Great if you drive under 8,000 miles/year. Companies like Mile Auto offer low rates for low-mileage drivers.
Companies like Dairyland, Bristol West, or The General specialize in high-risk drivers with bad credit or driving records.
Yes. While premiums may be higher, many insurers offer policies to drivers with bad credit.
Yes. A better credit score can reduce your premium over time, especially at your next renewal.
Most do—but it depends on your state. California, Hawaii, and Massachusetts don’t allow it.
Use quote comparison websites, look for discounts, and consider usage-based or pay-per-mile plans.
It’s unlikely. You may pay more, but most insurers offer options for all credit levels.
Having bad credit shouldn’t keep you from getting reliable and affordable car insurance. While your premium may be higher, there are plenty of ways to get a fair auto insurance quote even with a poor score.
By comparing providers, taking advantage of discounts, and considering alternative insurers, you can find coverage that protects your car and your wallet.
The key takeaway: Don’t settle for the first quote. Shop around, compare wisely, and take steps to improve your financial profile for future savings
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