Question

Can I get car insurance if I don't have credit?

I'm currently licensed and need insurance but I don't have any credit built up. Can I still get a policy?

Sep 14, 2016 Bronx, NY

Answer
Neil Richardson

Sep 14, 2016

While your credit can impact how much you pay for car insurance, it should not be something that keeps you from actually getting a policy. Your rate is much more likely to be negatively impacted by the fact that it is your first time getting a policy, but after 6 months of maintaining coverage you should qualify for a Prior Insurance discount. Make sure to shop with as many companies as possible to ensure you are getting the best rate. Good luck!

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