Getting Car Insurance With No Credit History (2023)

Key Takeaways

• Insurance companies view drivers who have no credit or bad credit as higher risks.
• Drivers with little credit or no credit generally pay higher rates because they tend to file more claims.
• You can build credit by becoming an authorized user on a responsible person’s credit card or by getting a loan or line of credit and making on-time payments.

In most states, a car insurance company will check your credit before selling you a policy. But…