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Direct answer: In most states, yes: car insurers can use a credit-based insurance score as of Oct. 18, 2026. California, Hawaii and Massachusetts ban it in auto rates, and Michigan, Maryland, Nevada, Oregon and Utah limit it. Tennessee, Texas and Florida have no ban. Most states don't let credit be the only reason for a rate increase.
By the numbers: Credit-based insurance scores in auto insurance, 50 states + DC, read from state statutes Oct. 18, 2026: banned in 3 states, limited in 5, no ban found in 42 + DC. Source: VaultRubric from state statutes + NAIC
“Currently, California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon, and Utah ban insurance companies' use of credit-based insurance scores in determining policy rates or offering or renewing a policy.” — NAIC Center for Insurance Policy and Research
Updated 2026-10-18
In most states, yes. Insurers use a credit-based insurance score (built from your credit report) as one rating factor. California, Hawaii and Massachusetts ban it for auto rates; Michigan, Maryland, Nevada, Oregon and Utah limit how it's used. As of Oct. 18, 2026, the other states have no auto-specific ban.
California (credit isn't an approved rating factor under Prop. 103 rules), Hawaii (HRS § 431:10C-207 bars credit bureau ratings) and Massachusetts (M.G.L. c. 175E § 4 bars credit information in auto rates and renewals). Michigan bans the credit score itself for rates but allows a credit-based insurance score with limits.
Yes. Tennessee isn't on the NAIC's list of states that ban or restrict it, so insurers can use a credit-based insurance score. Texas and Florida are the same. Ask your insurer whether credit affects your price and shop several companies.
It depends on the state. Maryland bars using credit history to raise a renewal premium, Utah bars credit in renewals except to give a discount, and Nevada bars basing renewal rates on credit alone. Most states don't allow credit to be the only reason.
No. It's built from your credit report but designed to predict insurance claims, and it's one of several factors. Michigan's law treats them differently: it bans the credit score for auto rates but allows an insurance score under conditions.
No. The insurance commissioner's 2022 order to bar credit scores in auto, home and renters rates was overturned by a state court before it took effect, the NAIC notes.
Credit-based insurance score rules for auto insurance read from CA, HI, MA, MI, MD, NV, OR and UT statutes/regulations and the NAIC topic page; checked Oct. 18, 2026.
As of Oct. 18, 2026 · read from state statutes + NAIC · 50 states + DC · car insurance
In most states, car insurers can use your credit. They use a credit-based insurance score (built from your credit report) as one rating factor. California, Hawaii, Massachusetts ban it in auto rates; Maryland, Michigan, Nevada, Oregon, Utah allow it only under limits. Tennessee, Texas and Florida have no ban.
The math:
Sources: Your state's rule · Every state · Sources
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Read on Oct. 18, 2026 from each state's statute or regulation (linked in each row) and the NAIC's topic page. The NAIC lists eight states that ban or restrict credit-based insurance scores; reading their laws, 3 ban credit in auto rating outright (California, Hawaii, Massachusetts) and 5 allow it only under limits (Maryland, Michigan, Nevada, Oregon, Utah). For the other 42 states and D.C. we found no auto-specific ban. California's rule is from the official Insurance Code plus a Cornell LII copy of the regulation. Puerto Rico and the territories are not covered.
| State | Credit in auto rates | What the rule says | Law | Source |
|---|---|---|---|---|
| Alabama | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Alaska | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Arizona | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Arkansas | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| California | Banned — Banned (credit isn't an allowed rating factor) | Auto rates must be set from your driving record, miles driven and years of driving experience, plus only the optional factors the Insurance Commissioner has approved. Credit is not on that list, and using any unapproved factor is unfair discrimination. | Cal. Ins. Code § 1861.02 (Prop. 103); 10 CCR § 2632.5 | Cal. Ins. Code § 1861.02 10 CCR § 2632.5 (Cornell LII copy) |
| Colorado | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Connecticut | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Delaware | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| District of Columbia | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Florida | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Georgia | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Hawaii | Banned — Banned | No insurer may base any standard or rating plan, directly or indirectly, on your credit bureau rating (the same law also bars race, creed, age, sex, marital status and more). Hawaii's courts have applied it to underwriting as well as rates. | HRS § 431:10C-207 | HRS § 431:10C-207 |
| Idaho | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Illinois | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Indiana | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Iowa | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Kansas | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Kentucky | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Louisiana | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Maine | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Maryland | Limited — Only to rate a new policy; never at renewal | Insurers can't refuse, cancel or nonrenew your auto policy, or raise your renewal premium, because of your credit history. They may use it to rate a new policy, but not credit events more than 5 years old, a lack of credit history, or the number of credit inquiries; they must tell you it's used and, if you ask, show how much of your premium comes from credit. (For homeowners insurance, Maryland bars credit in rating entirely.) Homeowners: no credit-based rating, underwriting, cancellation or nonrenewal. | Md. Code, Ins. § 27-501(e-2) | Md. Code, Ins. § 27-501 |
| Massachusetts | Banned — Banned | Private passenger auto rates can't be based in whole or in part on any credit information, including a credit-based insurance score, and an insurer can't refuse to issue or renew a policy based on credit. Insurers may still use their own payment history and your claims and driving records. | M.G.L. c. 175E § 4(a) | M.G.L. c. 175E § 4 |
| Michigan | Limited — Credit score banned for rates; a credit-based insurance score is allowed with limits | Insurers can't use your credit score to set auto rates or rating classes, and can't use credit information or an insurance score in any decision to deny, cancel or nonrenew. Michigan law separately allows a credit-based insurance score under conditions (disclosure, a credit report no more than 90 days old, and no penalty just for not having a credit card), so it's a limit, not a full ban. | MCL 500.2162; MCL 500.2153 | MCL 500.2162 MCL 500.2153 |
| Minnesota | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Mississippi | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Missouri | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Montana | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Nebraska | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Nevada | Limited — Allowed, but never as the only factor | An insurer can't deny, cancel or refuse to renew a policy, or base your renewal rate, on credit information unless it also weighs other factors independent of credit. It can't penalize you for not having a credit card, must use a credit report or score no more than 90 days old for an adverse action, and the score can't use income, gender, ZIP code, marital status and similar traits. | NRS 686A.680 | NRS 686A.680 |
| New Hampshire | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| New Jersey | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| New Mexico | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| New York | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| North Carolina | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| North Dakota | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Ohio | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Oklahoma | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Oregon | Limited — Allowed with limits; no cancel or nonrenew over credit after 60 days | Once a personal policy has been in force more than 60 days, it can't be canceled or nonrenewed because of your credit history or insurance score. Credit can be used to decline new coverage only together with other substantive underwriting factors, and a lack of credit history can't count against you unless state rules allow it (or you're treated as neutral). | ORS 746.661 | ORS 746.661 |
| Pennsylvania | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Rhode Island | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| South Carolina | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| South Dakota | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Tennessee | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Texas | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Utah | Limited — Only for a discount or new-policy underwriting with other factors | For auto policies, insurers may not use credit information for renewal, nonrenewal, termination, eligibility, underwriting or rating, except to lower your rate (a discount) or in initial underwriting when other risk factors are considered too. | Utah Code § 31A-22-320 | Utah Code § 31A-22-320 |
| Vermont | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Virginia | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Washington | Allowed — no auto-specific ban found | A 2022 order by the insurance commissioner to bar credit scores in auto, home and renters rates was overturned by a state court before it took effect. Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| West Virginia | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Wisconsin | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
| Wyoming | Allowed — no auto-specific ban found | Not on NAIC's list of states that ban it, so insurers can generally use a credit-based insurance score. Most states don't allow it to be the only reason for raising your rate or denying, canceling or not renewing a policy; check your state insurance department for its exact rules. | Not on NAIC's list | NAIC: Credit-based insurance scores |
How we built this: we started from the NAIC's list of states that ban or restrict credit-based insurance scores, read each of those states' laws on Oct. 18, 2026, saved a copy with a checksum, and our build checks that every rule's quoted words appear in that saved text (76 quotes) and that California's approved-factor list contains no credit factor. We did not read every other state's insurance code; those rows mean no auto-specific ban was found, not that there are no rules at all.
Facts, not legal advice or a quote. We don't sell insurance or show prices. Rules for homeowners and renters insurance can differ. Confirm with your state insurance department.
In most states, yes. Insurers use a credit-based insurance score (built from your credit report) as one rating factor. California, Hawaii and Massachusetts ban it for auto rates; Michigan, Maryland, Nevada, Oregon and Utah limit how it's used. As of Oct. 18, 2026, the other states have no auto-specific ban.
California (credit isn't an approved rating factor under Prop. 103 rules), Hawaii (HRS § 431:10C-207 bars credit bureau ratings) and Massachusetts (M.G.L. c. 175E § 4 bars credit information in auto rates and renewals). Michigan bans the credit score itself for rates but allows a credit-based insurance score with limits.
Yes. Tennessee isn't on the NAIC's list of states that ban or restrict it, so insurers can use a credit-based insurance score. Texas and Florida are the same. Ask your insurer whether credit affects your price and shop several companies.
It depends on the state. Maryland bars using credit history to raise a renewal premium, Utah bars credit in renewals except to give a discount, and Nevada bars basing renewal rates on credit alone. Most states don't allow credit to be the only reason.
No. It's built from your credit report but designed to predict insurance claims, and it's one of several factors. Michigan's law treats them differently: it bans the credit score for auto rates but allows an insurance score under conditions.
No. The insurance commissioner's 2022 order to bar credit scores in auto, home and renters rates was overturned by a state court before it took effect, the NAIC notes.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.
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