{"id":39807,"date":"2022-05-04T06:36:15","date_gmt":"2022-05-04T06:36:15","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=39807"},"modified":"2022-06-22T21:29:36","modified_gmt":"2022-06-22T21:29:36","slug":"car-insurance-companies-do-not-use-credit-scores","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/car-insurance-companies-do-not-use-credit-scores\/","title":{"rendered":"Which Car Insurance Companies Do Not Use Credit Scores in 2022"},"content":{"rendered":"<p style=\"text-align: center;\"><em>If you have been driving for a long time, you know that good auto insurance coverage is essential. Getting a quote from any of the major car insurance companies involves running a credit check. Underwriters use credit as one of the most important rating factors when determining auto insurance rates. In this article, we will cover car insurance companies that do not use credit scores while setting your insurance premium.\u00a0<\/em><\/p>\n<h2><span data-contrast=\"auto\">Does credit score affect car insurance?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Insurance companies view drivers with poor credit as higher-risk customers, so it&#8217;s important when getting your insurance quotes. According to the<a href=\"https:\/\/www.iii.org\/\" target=\"_blank\" rel=\"noopener\"> Insurance Information Institute (Triple-I)<\/a>, low credit scores are a good predictor of future insurance claims. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Insurance companies lose money when people who have bad credit file claims. Therefore, they charge higher premiums to drivers with a history of low credit to cover the risk of claims. In the end, insurance companies use the practice of charging bad-credit drivers more to reduce their own financial risk and liability.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Because of this, in states where it is permitted, most car insurance companies take your credit score in to account when quoting a policy. A licensed agent will typically ask for your social security number during the quoting process. This information is relevant for calculating your credit-based insurance score.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">How does credit score affect car insurance rates? <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Car insurance premiums are significantly influenced by a driver&#8217;s credit score. Every major insurance company uses credit score as a factor in determining premiums. The five components that go into calculating your credit score, also known as a FICO Score, are all connected to your borrowing history and current financial situation.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"15\" data-aria-level=\"1\"><span data-contrast=\"auto\">Payment history: 35%<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"16\" data-aria-level=\"1\"><span data-contrast=\"auto\">Amount owed: 30%<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"17\" data-aria-level=\"1\"><span data-contrast=\"auto\">Length of credit history: 15%<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"18\" data-aria-level=\"1\"><span data-contrast=\"auto\">Credit mix (having multiple types of credit): 10%<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" aria-setsize=\"-1\" data-aria-posinset=\"19\" data-aria-level=\"1\"><span data-contrast=\"auto\">New credit: 10%<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">In reality, it&#8217;s more complicated than just matching a specific score with a specific premium. To calculate an insurance score, insurance companies take your full credit report and run it through an algorithm. When it comes to insurance, your creditworthiness isn&#8217;t the only factor that determines a person&#8217;s riskiness to an insurance company.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span data-contrast=\"auto\">Your premium may be affected by your credit score in different ways in different states.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/03\/6.png\" alt=\" car insurance companies that do not use credit scores \" width=\"794\" height=\"294\" \/><\/a><\/p>\n<h2><span data-contrast=\"auto\">What states do not allow credit checks for insurance?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Certain states prohibit insurance companies from using a person&#8217;s credit score as a factor in determining the cost of their policy. Currently, there are five states where insurance companies are prohibited by state law from using credit scores to determine car insurance rates:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">California <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Hawaii <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Massachusetts<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Michigan<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Washington (temporarily)<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It&#8217;s still possible to use your credit score in these states, which means that having a good credit score can help lower your insurance premiums. If you don&#8217;t live in one of the five states listed above, you can expect car insurance companies to check your credit score when you apply for insurance.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">Insurance score vs Credit score<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">There is a difference between a credit score and an insurance score, even though they appear similar. Using an insurance score, an insurance company can see how likely it would be for you to file for compensation. However, your credit score\u00a0has an impact on your insurance rating.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">Types of auto insurance that may not require a credit check<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<h3><span data-contrast=\"auto\">Telematics insurance<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Consider telematics-based insurance if you&#8217;re worried about expensive car insurance quotes because of a poor credit score. In some cases, it may be possible to avoid a credit check by signing up for a car insurance policy without a credit check. Telematics devices or mobile apps are used to monitor your driving habits, such as average speed and how quickly you brake.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A telematics-based insurance premium is based on how safely (or unsafely) you drive, rather than on a monthly flat rate or a rate based on a specific distance traveled. It&#8217;s possible to make up for a low credit score by driving defensively and responsibly. A credit check isn&#8217;t required for the following telematics-based insurance programs:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"auto\">Progressive Snapshot<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"1\"><span data-contrast=\"auto\">State Farm Drive Safe and Save<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"1\"><span data-contrast=\"auto\">Farmers Signal<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"10\" data-aria-level=\"1\"><span data-contrast=\"auto\">Allstate Drivewise <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span data-contrast=\"auto\">Usage-based insurance<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A usage-based insurance company will charge you a monthly premium based on the number of miles you drive rather than a fixed annual or semiannual rate. For those who don&#8217;t drive frequently, pay-per-mile insurance may be a more cost-effective option. Some usage-based insurance companies will not check your credit score because there is no fixed premium. The following are some companies and the programs they offer with regard to usage-based insurance:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"11\" data-aria-level=\"1\"><span data-contrast=\"auto\">Root Insurance<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"12\" data-aria-level=\"1\"><span data-contrast=\"auto\">MetroMile<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"13\" data-aria-level=\"1\"><span data-contrast=\"auto\">Milewise from Allstate<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"14\" data-aria-level=\"1\"><span data-contrast=\"auto\">SmartMiles from Nationwide<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">For long-distance drivers, usage-based insurance may not be the best option. If you are a commuter or student, you may end up paying more than if you had traditional car insurance because of the pricing structure.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-39815 size-large\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-1024x683.jpg\" alt=\"Which Car Insurance Companies Do Not Use Credit Scores\" width=\"640\" height=\"427\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-1024x683.jpg 1024w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-768x512.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-1536x1025.jpg 1536w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L-600x400.jpg 600w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_34322695_L.jpg 2000w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<h2><span data-contrast=\"auto\">Car insurance companies that do not use credit scores<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<h3><span data-contrast=\"auto\">Progressive <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">While Progressive offers standard coverage, its most notable feature is the numerous discounts it offers experienced and cautious drivers. If your driving record is excellent, you don&#8217;t need a high credit score.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">Allstate<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Rental reimbursement, roadside assistance, auto glass repair, new car, and gap coverage are just a few of the add-ons available to Allstate customers that set it apart from the competition. Some of the standard features include liability, collision, and PIP.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">\u00a0Dillo<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If you are a high-risk driver who needs immediate insurance coverage, Dillo is your best option. It doesn&#8217;t necessitate a stellar credit rating to get a discount. The prices are still within a reasonable range even without it.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">CURE<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">It doesn&#8217;t matter if you have a bad credit score, no college degree, or no job CURE got you covered.\u00a0Only your driving record matters; the better it is, the more reasonable your rates will be. Even those with less-than-perfect credit in New Jersey or Pennsylvania should consider this provider.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">Empower Insurance Services <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Empower is a well-established auto insurance company, so their rates and coverages are more competitive. You need not be concerned about your credit or financial situation because Empower has a solution to fit your needs and your budget.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"auto\">\u00a0USAA<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If you drive a car and are a member of the military, the USAA can provide you with the coverage you require. Both low-risk and high-risk drivers can benefit from insurance plans, which include discounts, accident forgiveness, and money-saving options.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\"> <em>Here\u2019s more info on\u00a0<\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener\"><em>top-rated airport parking<\/em><\/a><em>,\u00a0<\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener\"><em>the best parking spots in your city<\/em><\/a><em>, the most\u00a0<\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/insurance\" target=\"_blank\" rel=\"noopener\"><em>affordable insurance<\/em><\/a><em>\u00a0for your car, and\u00a0<\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener\"><em>top-rated car washes near you<\/em><\/a><em>.<\/em><\/span><\/p>\n<hr \/>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:720,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have been driving for a long time, you know that good auto insurance coverage is essential. Getting a quote from any of the major car insurance companies involves running a credit check. Underwriters use credit as one of the most important rating factors when determining auto insurance rates. In this article, we will&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/car-insurance-companies-do-not-use-credit-scores\/\">Continue reading <span class=\"screen-reader-text\">Which Car Insurance Companies Do Not Use Credit Scores in 2022<\/span><\/a><\/p>\n","protected":false},"author":49,"featured_media":39816,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[569,1854],"tags":[5655,5656,5657,5658,5659],"class_list":["post-39807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-insurance","tag-car-insurance-credit-score","tag-does-credit-score-affect-car-insurance","tag-car-insurance-and-credit-score","tag-insurance-companies-that-do-not-use-credit-scores","tag-insurance-score-vs-credit-score","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Which Car Insurance Companies Do Not Use Credit Scores in 2022 &#187; Way Blog<\/title>\n<meta name=\"description\" content=\"Underwriters use credit as one of the most important rating factors when determining auto insurance rates. In this article, we will cover car insurance companies that do not use credit scores while setting your insurance premium.\u00a0\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which Car Insurance Companies Do Not Use Credit Scores in 2022\" \/>\n<meta property=\"og:description\" content=\"Underwriters use credit as one of the most important rating factors when determining auto insurance rates. 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