Question
Is car insurance a hard or soft credit check?
Is there any insurance companies that don't check for your credit when trying to purchase insurance? I am trying to gain my credit score up but I need insurance and don't won't my score to drop any more
Answer
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Insurance companies thankfully run a soft credit check. There are companies that do not use credit as a rating factor (as we discuss in our related article), but they are hard to find. So, if you're worried about car insurance companies pulling your credit negatively impacting you, rest assured they only do a soft pull. Credit takes into account hard inquiries which are things like applying for loans. Most insurance companies use soft inquiries and do not look at a full credit report. You can run these insurance quotes with no damage to your credit.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
