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.

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

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

How does having a car loan affect my auto insurance?

Will I be required to pay more for auto coverage?

Does my credit score impact my car insurance rates?

I've been with my current insurance carrier for five years. My credit score has increased significantly since I first applied. Can I ask my car insurance to re-run my rate for me with my current credit score?

Will getting a car insurance quote affect my current rate?

I want to get a quote to see if I can get a better rate, but I'm worried my current insurance company will be contacted and that this might affect my premium.

GEICO Aced US News and World Report’s Car Insurance Review

Are you shopping around for car insurance and not sure which company to go with? U.S. News has an updated review on GEICO that might help you choose.

How Credit Scores Affect Car Loan Interest Rates

What constitutes a good credit score when buying a car, and how much difference can it make in what you pay? Here's what you should know.

Does Paying Car Insurance Help Build Credit?

Does paying car insurance build credit? Unfortunately not. But for better or worse, your credit score impacts your car insurance rates.

Read advice from car experts at Jerry

What others are asking

How can I get OEM parts for my car after an accident?

I wasn't at fault and the other party's insurance company quoted the repair using aftermarket parts. I don't want any parts on my vehicle replaced with aftermarket; I only want OEM. Should I just get the car repaired with OEM parts and then deal with the insurance company after?

What does full-coverage car insurance really mean?

I hear the term "full-coverage insurance" all the time, but I've gotten conflicting answers about what it is. Can you explain it to me?

Will my gap coverage kick in if my auto insurance policy is canceled?

My car was totaled in an accident. The problem is when I filed my claim, I found out that my insurance policy got canceled for non-payment! I had no idea. Will my gap coverage still be in effect since the other insurance company is paying out for my car?

Browse All Questions

Easiest way to compare and buy car insurance

No long forms

No spam or unwanted phone calls

Quotes from top insurance companies

Find insurance savings — it's 100% free

Compare Car Insurance for Your State

Car insurance quotes in Mississippi

Car insurance quotes in New Jersey

Car insurance quotes in Georgia

Car insurance quotes in Massachusetts

Car insurance quotes in Michigan

Resources

Car Insurance by Make

Car Insurance by State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Never overpay for car insurance

Jerry automatically shops for your insurance before every renewal. Members save $872/year.

Close Signup Banner