Will getting a car insurance quote affect my credit score?

Since having a bad credit score can mean you need to pay more for insurance, I know that insurance companies check drivers' scores before giving them quotes. So does getting those quotes hurt my credit score? I've heard getting too many credit checks is bad.

Answer
Insurance companies do look at your credit score to determine your rate when they provide you with a quote. However, it is a “soft inquiry” on your credit report, which does not impact your score at all.
If you’d like to learn about how your credit score affects your car insurance, check out this article: How Your Credit Score Affects Car Insurance Rates.
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Alexah Grinnell
Answered on Mar 12, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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