Which Auto Insurance Company Does Not Check Credit? 
I can only speak for the company 's that I have had personal dealings with , but I believe almost every company uses credit score as part of its rating equation . The credit check that an insurance company does is different from what a financial institution does.The check that the insurance companies perform is called a softcheck which should not affect your scoring with financial institutions to the best of my understanding . Laws change from time to time at both state and federal level . If the credit check is of concern to you , call your local agent and express this and they can advise of the current implecations of an insurance credit check -LRB- softpull -RRB- . 