Can Car Insurance Mess Up Your Credit? 
Credit reports and scores are commonly used by auto insurance companies when underwriting and pricing the policy premiums . Credit scores have been shown to be highly correlated with future auto insurance claims . However , auto insurance companies do not report premium payment or claims information to the credit bureaus . So there is no direct impact of car insurance on your credit worthiness . However there may be an indirect impact on your credit if you suffer an auto accident while uninsured , or under insured . You may suffer from a loss of income if disabled . There may be extra medical bills , car repair expenses , and other liabilities . Any of these situations could make it difficult to make timely payments on any existing loans or debts . Late payments will certainly hurt your credit . 