The Link Between Credit Score and Car Insurance

The Link Between Credit Score and Car Insurance

If you’re in the market for car insurance, you usually want to find the lowest premium possible. Because your credit score is so important to determining every financial step you can take, it’s no surprise that it factors in here. Your credit score and car insurance premium will go hand-in-hand when it comes time for insurers to figure out your cost of coverage.

The Link Between Credit Score and Car Insurance

Does your credit score affect how much you pay for insurance?

Yes. Car insurers do look at your credit score to help determine how much you’ll pay for coverage. If your credit isn’t up to par for them, they’ll charge you more for your premium, even if you have no accidents. Your credit score offers a predictive factor that insurers can’t get from things like your driving record, vehicle type, and age. Using your financial history, as well as these other factors, insurers will determine your insurance score.

What is your insurance score?

Also known as your insurance credit score, it plays a big role in how much you’ll pay for insurance over time. The number determined for you represents how likely it is that you’ll file a claim during the time you’re using coverage from the insurer. The higher your score, the lower your premium. Conversely, the lower your score, the higher your premium will be.

Do you have any questions regarding the link between your credit score and car insurance? Let us know! We’re always here to help, just call 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

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