Does Auto Insurance Check Credit? 
Auto insurance carriers perform a risk analysis to identify high risk drivers . They will look at your credit rating , age , occupation , place of residence , your driving record , insurance payments -LRB- on time or late -RRB- , marital status , type of car and your sex . Each person is weighed by there own risk factor by the insurance carrier before they give a quote . The auto insurance industry invest more time and research into risk analyst than any other industry and they have found a pattern that relates a low credit score to a high risk driver . Due to this finding the auto insurance carrier can adjust the rate of your premium based on your credit score . 