Your driving record may be spotless, but if you have poor credit, car insurance companies view you as a risk — and they’re significantly raising your rates.
Over the past three years, drivers with poor credit have seen auto insurance premiums surge 37.7%, according to NerdWallet’s 2026 Auto Insurance Rates Report. These price hikes were even steeper than those faced by drivers with good credit who caused a crash or got a DUI.
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