Will Not Paying Car Insurance Affect Credit? 
Credit scores are often used by auto insurance carriers to determine premium rates . These scores have proven to be predictive of future accident claims . Auto insurance companies use credit reports in underwriting , but they do not report premium payment information to the bureaus . So there is no direct impact on your credit rating if you fail to make premium payments . However there may be a variety of indirect impacts on your score . If you are pulled over and fail to show evidence of insurance you may have to pay a fine . If you have an accident while uninsured , you may face large expenses for repairs , liabilities , medical expenses , and more . These added expenses could easily force you to become delinquent on debts that are reported to credit bureaus . 