Car Insurance with Bad Credit: What to Expect & How to Save

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Yes — You Can Get Insured with Bad Credit

Having a low credit score doesn’t mean you’re out of options. Many insurance providers look at more than just credit — including your driving record, vehicle type, and coverage needs. Some companies specialize in helping drivers with less-than-perfect credit.

What Impacts Your Insurance Rate?

Credit Score

Used by most providers to assess risk.

Driving History

Tickets, accidents, and claims affect rates.

Vehicle Type

Newer or safer vehicles may lower cost.

ZIP Code

Rates vary by state and city.

Coverage Level

Liability-only vs. full coverage.

Insurance Gaps

Lapses in coverage may raise your rate.

How to Get Cheaper Insurance with Bad Credit

  • Compare multiple providers — don’t settle on the first one.
  • Consider pay-per-mile or usage-based policies.
  • Bundle your auto and renters/home policies.
  • Raise your deductible to reduce monthly payments.
  • Maintain a clean driving record over time.
See What You Could Pay

Recommended Providers

SR‑22 filing fees range from $15–$50. But the real cost comes from being labeled “high-risk.” On average, your premium may increase 40–80% depending on the violation and state.

1

GEICO

Good rates with usage-based discounts.

2

Progressive

Snapshot program may help offset bad credit.

3

Direct Auto

Specializes in high-risk and low credit.

Frequently Asked Questions

Can I get car insurance with bad credit?

Yes, many insurers offer coverage regardless of credit score.

How much more does it cost?

Drivers with poor credit can pay 30–100% more, depending on the state.

Who’s the best company for bad credit?

GEICO, Progressive, and Direct Auto are top-rated by drivers with low credit.

Will improving my credit lower my rate?

Over time, yes. Most insurers review your credit annually.