Top 3 carriers for this situation
Estimated national full-coverage premiums with this situation applied, cheapest first. Directional model estimates — enter your ZIP below for your real local ranking.
| # | Carrier | Est. national | Why |
|---|---|---|---|
| 1 | USAA | $1,168/yr | Military & immediate family only |
| 2 | Root Insurance | $1,193/yr | Telematics-only pricing · based on how you drive |
| 3 | GEICO | $1,262/yr | No agents — buy and manage online |
Often the most expensive for this situation: Liberty Mutual · Allstate · Safeco If you're with one of these, you're probably overpaying — it takes two minutes to check.
Why this raises your rate
In all but a few states (CA, HI, MA, MI), insurers use a credit-based insurance score, and fair-or-poor credit can add 20–35% versus excellent credit. Carriers weight it very differently — the ones below apply the smallest credit penalty, so they're usually cheapest if your score isn't great.
How to pay less
- If you live in CA, HI, MA, or MI, credit can't be used — focus on other factors.
- Your insurance score improves as your credit does; re-shop after it climbs.
- Avoid carriers known for heavy credit weighting (often the ones with the biggest excellent-credit discounts).
- A telematics program can offset a weak credit score for safe drivers.
Rankings are directional estimates from the BoringRate model, not quotes — your real rate depends on your ZIP, vehicle, and history. Related: Credit Score & Car Insurance →
Frequently asked questions
Who is cheapest for this situation?
USAA, Root Insurance, and GEICO rank cheapest in the model. Enter ZIP to see the order for your area.
Will my rate stay high forever?
In all but a few states (CA, HI, MA, MI), insurers use a credit-based insurance score, and fair-or-poor credit can add 20–35% versus excellent credit. Carriers weight it very differently — the ones below apply the smallest credit penalty, so they're usually cheapest if your score isn't great.