Does Your Credit Score Affect Insurance Rates in 2026? Does credit scores affect insurance? Yes. In most states your credit file helps set auto and Credit card and gold insurance shield with a house and car, illustrating how credit affects insurance By Thomari Story-Harden Founder, Your Credit Pulse https://www.yourcreditpulse.com Yes. In most states, your credit score affects insurance, especially car insurance and homeowners insurance. Auto and home insurers do not use your FICO score the way a lender does. They use a credit-based insurance score built from your credit report. That score helps them estimate how likely you are to file a claim. A weaker file often means a higher premium, even with a clean driving record. If you want the file reviewed, start at Your Credit Pulse…