No major auto insurance provider skips credit checks nationwide. GEICO, State Farm, Nationwide, Progressive, Allstate and other leading insurers check credit scores when they're legally permitted.
A few smaller companies operate differently:
- CURE Auto operates in New Jersey, Pennsylvania and Michigan with a no-credit-check policy. The company explicitly states it doesn't use education, occupation or credit scores to determine rates.
- Dillo in Texas offers coverage without credit checks, primarily serving high-risk drivers who struggle to find affordable coverage elsewhere.
- Root has committed to eliminating credit scoring entirely by the end of 2025. The company currently weighs driving behavior more heavily than credit. Root still considers credit scores in some areas where required by state regulations.
- Lemonade (which acquired Metromile) offers pay-per-mile coverage in eight states and performs only "soft" credit checks that don't impact your credit score.
While few insurers skip credit checks entirely, you can still find affordable car insurance with poor credit.