What is an auto insurance score?

An auto insurance score is a numerical rating based on your credit history and other factors. Insurers use it to predict the likelihood of future claims, which can affect your premium.

An auto insurance score is a number that reflects your risk level as a policyholder based on your credit history. Insurance companies use this score, along with other factors, to determine your premiums. Maintaining a good credit score can help you secure lower rates.

Without auto insurance, you could face significant financial penalties or be unable to pay for repairs and medical bills resulting from accidents. It's required by law in many states to ensure that drivers can cover damages caused to others.

Maintaining a good credit score can lower your premiums. If you have a poor score, work on improving it before shopping for insurance. Some states do not allow insurers to use credit scores, so it’s essential to know the rules in your area.