Your Score, Their Rules. Now You Know Both.
How your financial history silently inflates your auto premium — and what you can do about it.
Does your state restrict insurance scoring?
of auto insurers use credit-based insurance scoring where permitted.
fully prohibit using credit information to price auto insurance.
higher premiums for drivers with the lowest insurance scores.
Two scores. One bill. You only see one of them.
Most drivers know their credit score. Almost none know their insurance score — a separate, carrier-specific number derived from your credit file that quietly drives a significant portion of your auto premium in most states.
What insurance scoring is
A carrier-calculated risk number built from your credit file — not the FICO score you check.
How it shows up on your bill
It silently shapes a significant portion of your auto premium in most states.
Where it is restricted
A handful of states ban or limit the practice. We track every rule change.
What you can do
Practical, no-cost actions you can take this month to improve your insurance score.
What it is
A risk number built from your credit file — not your FICO score.
Where it is restricted
A few states ban or limit it. We track every rule change.
What you can do
No-cost actions you can take this month to improve it.
Know your score. Know your state. Know your options.
Get the free Score Explainer texted to your phone. No insurance pitch, ever.
Text me the Score Explainer