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How Credit Affects Car Insurance Rates in Texas
Most standard insurance carriers use a credit-based insurance score as one of several rating factors. This is different from your regular FICO score but uses similar data. Here's how credit tiers typically affect rates with standard carriers:
| Credit Tier | FICO Range | Rate Impact | Example Monthly |
|---|---|---|---|
| Excellent | 750+ | Baseline (lowest) | $130–$180 |
| Good | 670–749 | +10–20% | $145–$215 |
| Fair | 580–669 | +25–45% | $165–$260 |
| Poor | Under 580 | +40–80% | $185–$320 |
| No Credit | N/A | +30–60% | $170–$285 |
Example rates for full coverage in DFW, 30-year-old driver, clean record. Impact varies by carrier.
Key insight:Non-standard carriers skip credit entirely. A driver with poor credit paying $285/month with a standard carrier could pay $150–$180/month with a non-standard carrier through A-LA — a savings of $100+/month.
Standard vs. No-Credit-Check Carriers
Standard Carriers
- Check credit-based insurance score
- Lower rates for excellent credit
- Higher rates for poor/no credit
- May decline very low credit applicants
- Best for: good credit + clean record
Non-Standard (No Credit Check)
- No credit check at all
- Rate based on driving record + vehicle only
- Available through A-LA at all 13 offices
- Liability from $47/month in DFW
- Best for: bad/no credit, violations, foreign license
Texas Law on Credit & Insurance
Under Texas Insurance Code §2251, insurers are permitted to use credit-based insurance scores as one factor in setting premiums. However, there are important protections:
- Credit cannot be the sole factor in determining your rate or denying coverage.
- Insurers must notify you if credit adversely affected your premium.
- You can request a re-evaluation if your credit improves.
- Insurance credit inquiries are soft pulls — they do not affect your credit score.
- You are not required to use a carrier that checks credit — non-standard carriers are available.
7 Ways to Save on Insurance With Bad Credit
Use a no-credit-check carrier through A-LA
Non-standard carriers skip credit entirely and rate based on driving history and vehicle. This alone can save 20–40%.
Compare 35+ carriers at once
A-LA compares standard and non-standard carriers side by side to find the absolute lowest rate for your credit tier.
Choose liability-only for older vehicles
If your car is worth under $5,000, dropping comprehensive and collision saves $80–$150/month.
Maintain continuous coverage
A lapse in coverage is a separate negative factor. Keeping even minimum liability active protects your rate long-term.
Take a defensive driving course
Texas allows a premium discount every 3 years. This applies regardless of credit score.
Bundle auto + home or renters
Bundling can save 10–25% even with a no-credit-check carrier.
Work on improving your credit score
Paying down debt and making on-time payments can improve your insurance score within 6–12 months, qualifying you for lower standard rates later.
Frequently Asked Questions
Bad Credit? Get Your Rate Today
No credit check. 35+ carriers compared. Same-day coverage from $47/month. 13 DFW offices with bilingual agents.
(866) 252-6116Sean — A-LA Auto Insurance
Licensed Insurance Agent — A-LA Auto Insurance, Dallas-Fort Worth
Sean is a licensed insurance agent at A-LA Auto Insurance, a TDI-licensed independent agency with 13 offices across Dallas-Fort Worth. He specializes in helping Texas drivers find affordable coverage — including SR-22 filings, non-standard auto, no-credit-check options, and coverage for drivers without a US license. Call (866) 252-6116 to speak with the team directly.
A-LA Auto Insurance is a Texas Department of Insurance (TDI) licensed agency. For personalized advice, call (866) 252-6116.