If you’ve been overpaying for car insurance, your credit score could be the key to unlocking serious savings—especially in 2025. If your score is above 600, here’s why now is the time to compare rates—and potentially save hundreds.

How Credit Score Affects Your Premium

Insurance companies use a version of your credit score—often called a “credit-based insurance score”—to help determine how risky you are as a policyholder. Statistically, drivers with stronger credit tend to file fewer claims, which makes them more profitable for insurers.

In 2025, many companies have lowered the bar: while a score in the 700s still gets the best deals, those with scores starting at 601+ are now seeing major price breaks compared to those under 600.

Why Now? Car Insurance Rates Are Rising for Everyone Else

Car insurance rates have jumped nationwide due to inflation, supply chain issues, and rising repair costs. But here’s the twist: insurers are aggressively competing for low-risk customers—and that includes drivers with mid-level credit.

To stay competitive, many are launching exclusive offers and instant rate drops if you switch providers, bundle policies, or install a telematics app that tracks your driving habits.

Some drivers are seeing $40–$70/month in savings just by switching with a 600+ score.

Which Providers Offer the Best Deals for 600+ Credit Scores?

While it varies by state, these national insurers are known for offering favorable rates to “credit-safe” drivers:

Progressive – Offers usage-based discounts for drivers with clean records and average credit.

GEICO – Known for competitive base pricing for mid-tier credit customers.

Liberty Mutual – Often provides regional promotions for those with scores in the low 600s.

State Farm – May reward loyalty and safe driving with lower renewal rates.

Root Insurance & Clearcover – App-based insurers using real-time driving data, often ignore traditional scoring altogether.

If You’ve Got 600+ Credit, Don’t Leave Money on the Table

Too many drivers assume they’re stuck with their current rates. But if your credit score has recently improved—or is already over 600—you may be missing out on major savings just by not checking.

👉 Check Now

Compare personalized rates instantly. It only takes 2 minutes—and you could keep more money in your wallet this month.