In nearly all states, drivers with poor credit (defined as <550) pay about 40% more for state minimum coverage and 28% more for full coverage than drivers with excellent credit (750+), based on data from 1,790,131 Jerry customers over the last 12 months.
Below is what Jerry drivers were quoted each month by state and credit tier, based on Jerry’s quote data. We’ve broken the quotes out two ways: state minimum coverage and full coverage.
California, Hawaii, Massachusetts and Michigan were excluded from these tables because those states ban the use of credit history in auto insurance coverage decisions. Alaska was excluded due to lack of Jerry data. Maryland, Oregon and Utah are included but have partial restrictions on credit use in auto insurance.
Key takeaway: Live in CA, HI, MA or MI? Your credit score legally cannot affect your auto insurance rate. If you live in MD, OR or UT, credit can affect your initial quote but is restricted at renewal time or limited to discounts only.
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State minimum car insurance and credit scores
State minimum coverage is the lowest level of insurance each state legally requires you to carry.Nationally, Jerry customers with poor credit were quoted an average of $67 a month for state minimum coverage, compared to $48 a month for drivers with excellent credit.
Drivers in New Jersey, Nevada and Maryland see some of the largest dollar swings between credit tiers, while drivers in more affordable states like Iowa, Wisconsin and Vermont see smaller differences.
Median car insurance quote for state minimum coverage, by credit score range
| Location | <550 | 550-659 | 660-750 | 750+ |
| Nationwide | $67 | $65 | $64 | $48 |
| AL | $40 | $38 | $37 | $29 |
| AR | $43 | $41 | $38 | $27 |
| AZ | $68 | $65 | $62 | $43 |
| CO | $54 | $52 | $48 | $34 |
| CT | $131 | $121 | $107 | $74 |
| DE | $101 | $93 | $88 | $60 |
| FL | $56 | $53 | $49 | $35 |
| GA | $109 | $106 | $99 | $70 |
| IA | $30 | $28 | $25 | $15 |
| ID | $39 | $38 | $34 | $25 |
| IL | $51 | $50 | $47 | $34 |
| IN | $37 | $36 | $34 | $24 |
| KS | $51 | $47 | $46 | $31 |
| KY | $68 | $65 | $62 | $40 |
| LA | $68 | $66 | $64 | $48 |
| MD | $121 | $115 | $103 | $70 |
| ME | $44 | $39 | $33 | $24 |
| MN | $58 | $57 | $50 | $34 |
| MO | $58 | $54 | $52 | $35 |
| MS | $40 | $39 | $28 | |
| MT | $40 | $36 | $31 | $23 |
| NC | $61 | $60 | $56 | $41 |
| ND | $53 | $48 | $47 | $30 |
| NE | $42 | $41 | $38 | $25 |
| NH | $42 | $40 | $38 | $26 |
| NJ | $179 | $154 | $125 | $89 |
| NM | $42 | $38 | $38 | $26 |
| NV | $142 | $128 | $114 | $80 |
| NY | $194 | $140 | ||
| OH | $43 | $40 | $38 | $26 |
| OK | $44 | $42 | $42 | $30 |
| OR | $75 | $70 | $64 | $45 |
| PA | $49 | $46 | $43 | $30 |
| RI | $112 | $110 | $99 | $66 |
| SC | $82 | $78 | $70 | $44 |
| SD | $32 | $30 | $28 | $18 |
| TN | $42 | $41 | $40 | $28 |
| TX | $65 | $63 | $61 | $47 |
| UT | $75 | $67 | $60 | $44 |
| VA | $82 | $80 | $73 | $52 |
| VT | $41 | $37 | $32 | $23 |
| WA | $76 | $70 | $67 | $50 |
| WI | $35 | $34 | $28 | $18 |
| WV | $49 | $47 | $44 | $31 |
| WY | $33 | $29 | $17 |
Key takeaway: Nationwide, drivers with excellent credit were quoted roughly 26% less than drivers with poor credit for state minimum coverage nationally, based on Jerry’s data.
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Full coverage car insurance and credit scores
Full coverage costs more across the board, but the difference between drivers with good and poor credit scores follows the same pattern as state minimum. Jerry drivers with poor credit were quoted about $164 a month nationally for full coverage, while drivers with excellent credit were quoted around $128 a month.
The quotes below are based on Jerry’s Standard tier which generally offers 50/100 bodily injury liability, comprehensive, collision, UM/UIM, rental and roadside assistance coverages.
Median car insurance quote for full coverage, by credit score range
| Location | <550 | 550-659 | 660-750 | 750+ |
| Nationwide | $164 | $162 | $162 | $128 |
| AL | $117 | $110 | $109 | $86 |
| AR | $116 | $114 | $111 | $88 |
| AZ | $171 | $160 | $152 | $109 |
| CO | $179 | $168 | $161 | $125 |
| CT | $225 | $208 | $191 | $152 |
| DE | $214 | $200 | $200 | $156 |
| FL | $212 | $208 | $200 | $143 |
| GA | $228 | $220 | $206 | $151 |
| IA | $85 | $81 | $76 | $55 |
| ID | $93 | $88 | $86 | $64 |
| IL | $119 | $118 | $89 | |
| IN | $86 | $68 | ||
| KS | $106 | $102 | $81 | |
| KY | $149 | $145 | $142 | $103 |
| LA | $196 | $188 | $155 | |
| MD | $225 | $217 | $202 | $144 |
| ME | $84 | $80 | $77 | $56 |
| MN | $118 | $114 | $109 | $79 |
| MO | $137 | $134 | $134 | $99 |
| MS | $123 | $120 | $118 | $86 |
| MT | $100 | $97 | $94 | $65 |
| NC | $113 | $109 | $107 | $84 |
| ND | $105 | $102 | $100 | $78 |
| NE | $97 | $78 | ||
| NH | $85 | $59 | ||
| NJ | $284 | $256 | $226 | $171 |
| NM | $120 | $113 | $109 | $77 |
| NV | $358 | $313 | $287 | $222 |
| NY | $336 | $260 | ||
| OH | $100 | $95 | $93 | $68 |
| OK | $121 | $118 | $116 | $86 |
| OR | $131 | $124 | $118 | $88 |
| PA | $153 | $147 | $140 | $103 |
| RI | $232 | $225 | $168 | |
| SC | $174 | $164 | $155 | $107 |
| SD | $92 | $90 | $83 | $62 |
| TN | $115 | $112 | $85 | |
| TX | $159 | $156 | $127 | |
| UT | $141 | $131 | $127 | $94 |
| VA | $144 | $141 | $134 | $100 |
| VT | $128 | $110 | $98 | $73 |
| WA | $184 | $175 | $148 | |
| WI | $92 | $86 | $62 | |
| WV | $114 | $109 | $84 | |
| WY | $72 | $54 |
Last Updated Sept. 30, 2026
Key takeaway: Drivers with excellent credit were quoted roughly 22% less than drivers with poor credit for full coverage nationally, based on Jerry’s data.
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FAQ
- What is a credit-based insurance score?
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