Which Insurance Companies Don’t Use Credit Scores?

Most major insurers use credit scores to set rates, but a few specialized companies operate differently. Here's the complete list of insurers that skip credit checks or minimize their impact.

While few insurers skip credit checks entirely, you can still find affordable car insurance with poor credit.

CURE doesn't check credit, occupation or education level when setting rates. Your driving record determines your premium, nothing else.This makes CURE the rare insurer where a teacher, CEO and construction worker with identical driving histories pay the same rate. Most insurers charge different amounts based on job title and credit score even when driving records match perfectly.

CURE operates only in New Jersey, Pennsylvania and Michigan, focusing exclusively on driver behavior rather than demographics.

If you have poor credit but a clean driving record in NJ, PA or MI, start here. Visit CURE's website or call customer service with your driver's license, vehicle information and driving history to get a quote.

Dillo specializes in drivers other insurers reject (DUIs, coverage lapses, suspended licenses) without running credit checks at all. You can get covered in about 10 minutes entirely online. Dillo offers month-to-month policies (no annual commitment required) and handles SR-22 filings for drivers who need proof of insurance after violations.

Rates run higher than mainstream insurers, but Dillo accepts nearly everyone. If you've been denied coverage or quoted $5,000+ annually elsewhere, Dillo provides an alternative.

Texas only. Get quotes at Dillo's website. The entire process from quote to coverage takes less than 15 minutes.

Root built its business around app-based telematics instead of traditional rating factors. Throughout 2025, Root has decreased the weight of credit scores and eliminating them entirely by year-end.

Here's how it works: Download the Root app, drive normally for 2 to 3 weeks while the app tracks your behavior, then get a personalized rate based primarily on how you actually drive. Your credit score matters less with Root than with any other major national insurer.

Root operates in most states but not all. Check availability in the app. The company targets tech-comfortable drivers willing to let an app monitor driving for a few weeks in exchange for potentially lower rates. No agents, no offices, entirely app-based. If you prefer talking to a human or visiting an office, Root isn't for you. If you're comfortable managing everything through your phone, Root's model can save you money regardless of credit score.

Lemonade runs soft credit checks that appear on your report but don't lower your score. It's the same kind of inquiry you'd get when checking your own credit. The catch? Lemonade only operates in Arizona, Illinois, Nevada, Ohio, Oregon, Tennessee, Texas and New Jersey. And it's pay-per-mile pricing, not traditional insurance.

You pay a base monthly rate ($30 to $50 typically) plus a per-mile charge (usually $0.05 to $0.07 per mile driven). If you drive 5,000 miles annually, you might pay $40/month base + $21/month for miles, totaling $61/month. If you drive 15,000 miles annually, that same policy costs $40 + $63, totaling $103/month. This works great if you drive under 10,000 miles per year. Beyond that, traditional insurance usually costs less. The app tracks your mileage automatically. No need to report odometer readings.

Claims get processed through the app, often paid in minutes for simple incidents. Everything happens on your phone.

Each of the four insurers that skip credit checks operates differently. Which one works best depends on where you live, how much you drive and whether you're comfortable with app-based insurance.

Here's how the four no-credit-check insurers compare:

Drivers with poor credit pay 153% more than drivers with excellent credit: $2,548 annually versus $1,091 on average across all insurers and states.

But rates vary by state and insurer. Wyoming charges poor-credit drivers $4,566 annually, the highest in the nation. New York charges excellent-credit drivers just $787, the lowest rate anywhere.

Within individual states, credit tier creates massive gaps. Good-credit drivers pay $950 in Maine but $2,974 in Louisiana for identical coverage.

Rates based on MoneyGeek analysis of Quadrant Information Services data for 40-year-old driver with clean record, full coverage (100/300/100 limits, $1,000 deductible), 2012 Toyota Camry.

Four states prohibit insurance companies from using credit scores: California, Hawaii, Massachusetts and Michigan. If you live in one of these states, every insurer automatically skips credit checks when you get a quote.

California banned the practice in 1988 under Proposition 103. Hawaii and Massachusetts followed suit to prevent discrimination against low-income residents. Michigan eliminated credit scoring in 2020 as part of its no-fault insurance reform.

Shop any insurer in these states without worrying about credit. GEICO, State Farm, Progressive and Allstate all compete on price using factors like driving record, mileage and vehicle type instead of credit history. Your poor credit score won't affect your rates at all.

State insurance regulations vary and may change. Consult your state insurance department for current requirements.

Usage-based insurance rewards safe driving with 15% to 40% discounts, letting you prove you're a safe driver regardless of credit score. A poor-credit driver with excellent driving habits can pay less than a good-credit driver who doesn't participate.

Choose Nationwide SmartRide or GEICO DriveEasy if you're worried about rate increases. Both reward good driving but won't penalize bad driving.

No major insurance company skips credit checks nationwide, but you have options if you have poor credit. If you live in California, Hawaii, Massachusetts or Michigan, you automatically get credit-free pricing. Everywhere else, focus on usage-based programs, discounts and shopping among multiple insurers to find affordable coverage.

No-credit-check car insurance sounds appealing, especially if you have poor or fair credit. Here are answers to common questions about this coverage.

Our data comes from Quadrant Information Services and state insurance departments, analyzing 83,056 quotes from 46 insurers. We used a 40-year-old driver with a clean record, 2012 Toyota Camry and full coverage (100/300/100 limits, $1,000 deductible) across five credit score categories. Learn more about our methodology.