Does Credit History Affect Auto Insurance? 
Yes it can . Credit is a factor with many companies . Insurance companies give an insurance score . It is different than a credit score . A variety of factors including credit are considered . Some companies still don ; t do credit , but usually you will pay a higher rate . The insurance company reasoning is that , by their statistics and experience , a person with bad credit statistically is a higher risk . I know that is not always the case but unfortunately , agree or not -LRB- and I do n't like it either -RRB- that is the facts . 