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Did you know car insurance companies can use credit to predict driving behavior? If you’ve investigated cheap car insurance with bad credit, you’ve probably noticed a pattern and realized that your credit score plays an important role in calculating the cost of auto insurance.

At SafeAuto, we’re proud to help all drivers get back on the road, regardless of their driving history or credit score. If you need car insurance for bad credit, get a quote and discover how we can help you save with affordable, flexible insurance.

Car insured by SafeAuto driving on the highway at night

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Can you get car insurance with bad credit

Improve your credit.

Car insurance for bad credit ratings

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3 Ways Safeauto Helps Drivers With Poor Credit

SafeAuto is the insurance of second chances—poor credit? No problem. We want to be the best car insurance for bad credit, so we do our best to help you get back on track with...

  • Low Down Payments – If you need help managing monthly bills, we’re got your back.
  • Affordable State Minimum Insurance – For drivers on a budget, stay legal for less.
  • Insurance for a Month or Forever – We give you the flexibility to come and go as you need.

Why Does Credit Affect Insurance Rates?

While your credit score is only one piece of the puzzle when it comes to determining your premium, it plays an important role. Most auto insurance companies make use of FTC approved credit-based insurance scores as a way to determine risk*, especially for drivers who may need bad credit insurance.

Factors that can affect your insurance rate in terms of credit include:

  • Length of credit history
  • Late payments or past-due bills
  • Many credit inquiries
  • High debt or collections in process

*This practice is banned in Massachusetts, Hawaii, and California.

Improve Your Credit Score & Other Ways To Save On Car Insurance

If you have poor credit, don’t sweat it! There are ways to improve your credit/FICO score so your insurance premiums may decrease, like...

  • Paying all your bills on time
  • Minimizing the balance on your credit card
  • Checking your credit report and disputing any issues
  • Managing the number of credit cards you have

If the cost of auto insurance is burning a hole in your wallet, there are many other ways to save. Ask your insurer about auto insurance discounts you may qualify for, and see if there are other factors that you can control when it comes to your insurance, such as where you live, the type of vehicle you drive, or the coverages you select on your policy.

Thank You For Choosing SafeAuto

Need flexible plans and affordable state minimum coverage? Have a question for us at SafeAuto? Need to start your policy? Just want to talk? Call us at 1-800-SAFEAUTO to speak to a real person, not a robot, any time or email us at For common questions, please consult our FAQ page.