- An insurance company study found that consumers with lower credit scores tended to be riskier drivers and filed more claims, leading most states to allow credit scores to be a factor in determining car insurance rates. - A few states (California, Massachusetts, and Hawaii) have banned the use of credit scores in car insurance rates, finding the practice unfairly discriminates against low-income groups. - How much a particular insurance company considers credit history varies significantly, with some seeing over a 100% premium difference between good and poor credit, while others see a smaller difference.