Does Car Insurance Go On Your Credit Report? 
When you apply to buy insurance , most insurance companies will take your credit into consideration . It is considered a `` soft hit '' . It will show up on your credit history that there was an inquiry , it does n't change or effect your credit . So whatever your credit score was before you apply for insurance is what it will be after applying . To my knowledge , California is one of the states that mandates insurance companies not take a person 's credit history into consideration when rating the premium . You can check with an insurance agent or broker licensed in your state to see if your state as the same rules . 