Question

What do I put in a quote if I don't have a credit history

I'm a young and new driver and don't have established credit history. What do I put in the credit question section?

Jun 17, 2018 Austin, TX

Answer
Ava Lynch

Jun 17, 2018

Not having a credit history doesn't mean you have bad credit but it will take time to build credit. I suggest speaking directly with an agent and seeing what they suggest as it could be company-specific. Certain companies won't write policies for you if you don't have a credit or write a policy for you with a subsidiary company. Moreover, because your credit is such a big rating factor, I would be hesitant to simply guess. According to our state of insurance reports, the difference between those with "great" credit and those with "poor" is about $1,430 per year. If you're looking for more information on credit as it relates to car insurance, see our additional article, Car Insurance for Bad Credit.

 


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