13+ Easy Tips Do Car Insurance Companies Check Your Credit. Most auto insurance companies check your credit history aside from a few states that limit the practice. If your score is low or if there is an indication that you might be living beyond your means, it may affect whether you get coverage at all.
If you’re in one of these states, you’re in luck. Almost all of them will. Historical data from the federal trade commission shows drivers with poor credit file more claims than do drivers with excellent credit, and that these drivers' claims are more costly to an insurer.