Why Does Credit Affect Auto Insurance? 
Your credit score is not a part of the computation for an auto premium in California . I know that your insurance score is a complicated process and may include credit . That is used in some but not all states . In California the premium is determined based on the year , make , and model of the automobile and the drivers and their habits that are in the household with the primary insured . There is also a significant component based upon mileage . 