Best Auto Insurance for Bad Credit in 2025

Ahmed Abd Alhadi

Last update :

Having bad credit can significantly impact your auto insurance rates, but it doesn’t mean you're out of options. In this guide, we explore the best car insurance companies for drivers with low credit scores in 2025, and how you can save money despite the financial challenges.

Best Auto Insurance for Bad Credit in 2025

🚗 Why Does Credit Score Affect Car Insurance?

Insurance providers often use your credit score as one of many factors to determine risk. Studies show a correlation between poor credit and higher claims, which is why drivers with bad credit often pay more.

Check out our 2025 guide on how credit score affects auto insurance for a deeper dive.

🏆 Top 5 Auto Insurance Companies for Bad Credit in 2025

GEICO

Known for its competitive pricing and flexibility for high-risk drivers. Offers discounts that help offset credit-based surcharges.
Progressive

Great for drivers who want usage-based insurance and customizable plans. Snapshot program helps reduce premiums.
Nationwide

Offers accident forgiveness and good discount programs even for those with subpar credit.
The General

Specializes in high-risk drivers. Not the cheapest, but often willing to insure when others won’t.
State Farm

While rates can vary, State Farm's agent-based support can help tailor a policy even with credit issues.

💡 Tips to Get Cheaper Car Insurance with Bad Credit

Shop around and compare multiple quotes online.
Bundle your auto insurance with home or renters insurance.
Enroll in telematics or safe driving programs.
Increase your deductible to reduce monthly premiums.
Work on improving your credit score over time.

Use tools like Policygenius or The Zebra to compare quotes from top providers instantly.

📍 Does This Vary by State?

Yes. Some states like California, Hawaii, and Massachusetts restrict insurers from using credit scores when setting premiums. Learn more in our Cheapest Auto Insurance by State: 2025 Breakdown.

📞 Final Thoughts

Bad credit doesn’t mean bad coverage. With the right approach and insurance provider, you can still find an affordable and reliable auto insurance policy in 2025.

Explore more tips and insights in our auto insurance blog.

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