Credit-Based Insurance Score by State (2026)
A credit-based insurance score can swing your auto and home premiums by hundreds of dollars a year — but in a handful of states it legally cannot be used at all. Here is the 50-state (plus D.C.) breakdown for 2026.
What is a credit-based insurance score?
A credit-based insurance score is a specialized rating model built from your credit report — payment history, amounts owed, length of credit history, new credit, and credit mix. It is not your FICO score; it is calibrated to predict the likelihood you will file an insurance claim. Where permitted, roughly 95% of auto insurers and 85% of homeowners insurers use it as a pricing factor (figures presented at NAIC hearings by FICO). TheNational Association of Insurance Commissionersand theInsurance Information Instituteboth describe it as a legitimate, if controversial, rating variable.
| State | Credit-based insurance scoring (2026) |
|---|---|
| Alabama | Allowed |
| Alaska | Allowed |
| Arizona | Allowed |
| Arkansas | Allowed |
| California | Full ban (auto) |
| Colorado | Allowed |
| Connecticut | Allowed |
| Delaware | Allowed |
| District of Columbia | Allowed |
| Florida | Allowed |
| Georgia | Allowed |
| Hawaii | Full ban (auto) |
| Idaho | Allowed |
| Illinois | Allowed |
| Indiana | Allowed |
| Iowa | Allowed |
| Kansas | Allowed |
| Kentucky | Allowed |
| Louisiana | Allowed |
| Maine | Allowed |
| Maryland | Partial restriction |
| Massachusetts | Full ban (auto) |
| Michigan | Full ban (auto) |
| Minnesota | Allowed |
| Mississippi | Allowed |
| Missouri | Allowed |
| Montana | Allowed |
| Nebraska | Allowed |
| Nevada | Allowed |
| New Hampshire | Allowed |
| New Jersey | Allowed |
| New Mexico | Allowed |
| New York | Allowed |
| North Carolina | Allowed |
| North Dakota | Allowed |
| Ohio | Allowed |
| Oklahoma | Allowed |
| Oregon | Partial restriction |
| Pennsylvania | Allowed |
| Rhode Island | Allowed |
| South Carolina | Allowed |
| South Dakota | Allowed |
| Tennessee | Allowed |
| Texas | Allowed |
| Utah | Partial restriction |
| Vermont | Allowed |
| Virginia | Allowed |
| Washington | Allowed |
| West Virginia | Allowed |
| Wisconsin | Allowed |
| Wyoming | Allowed |
Sources: NAIC; Insurance Information Institute; California Dept. of Insurance (Prop 103); Hawaii HRS 431:10C-207; Massachusetts GL ch. 175E; Michigan No-Fault Reform (2020); Maryland Insurance Article §27-501; Oregon Rev. Stat. 746.661; Utah insurance code. Retrieved 2026-08-11. Some 2026 analyses also list Nevada among states restricting credit use under a 2023 law; the set evolves — verify with your state Department of Insurance.
How much does credit matter where it is allowed?
In the 43 states (plus D.C.) that allow credit-based scoring, the impact is large. Bankrate's 2026 rate analysis (reported via Insure.com and the Consumer Federation of America) found drivers with poor credit paid roughly 105% moreon average than drivers with excellent credit. The exact penalty depends on your insurer's filed model and your state. Several other states — including Iowa, Oklahoma, Pennsylvania, and New York — introduced 2026 legislation to ban or restrict credit-based pricing, so the map above may change.
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Educational information only — not insurance, financial, or legal advice. InsurTool does not provide insurance or brokerage services. Confirm any rating rule with a licensed agent or your state insurance department. See ourfull disclaimer.