Will getting a car insurance quote affect my credit score?

Answered by Home Insurance, Car Insurance Expert Alexah on December 28, 2020

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.

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Alexah

Home Insurance, Car Insurance Expert

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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