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What is a good credit score for car insurance?

Auto insurance companies want to know whether you're a risk as a driver. The greater your risk factor, the more likely you might cost the insurance company money because it has to pay out if you get in an accident. Auto insurers use a variety of factors, including credit scores, to create a risk profile when determining whether to offer you insurance.

670
A good credit score is generally considered to be 670 or higher. The higher, the better.

What affects car insurance rates?

Age
Age is a huge factor in car insurance premium costs. Teenagers will find their insurance is much more expensive than auto insurance for older adults when all other factors are equal.
Gender
Auto insurance is slightly more expensive on average for men than women, but the difference is most notable for teenagers and young adults.
Driving record
If you have accidents or traffic violations on your record, especially recently, your insurance is likely to be more expensive because the company considers you a higher-risk driver.
Vehicle type
Some vehicles are more expensive to insure than others. Vehicles that are considered sports cars or have powerful engines are seen as riskier, for example, and that can drive up premiums.
Coverage
Depending on the laws in your state and whether you own your vehicle outright, you can choose full coverage or only liability coverage.
Age
Age is a huge factor in car insurance premium costs. Teenagers will find their insurance is much more expensive than auto insurance for older adults when all other factors are equal.
Gender
Auto insurance is slightly more expensive on average for men than women, but the difference is most notable for teenagers and young adults.
Driving record
If you have accidents or traffic violations on your record, especially recently, your insurance is likely to be more expensive because the company considers you a higher-risk driver.
Vehicle type
Some vehicles are more expensive to insure than others. Vehicles that are considered sports cars or have powerful engines are seen as riskier, for example, and that can drive up premiums.
Coverage
Depending on the laws in your state and whether you own your vehicle outright, you can choose full coverage or only liability coverage.

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