The best car insurance companies that don’t check credit scores are Liberty Mutual, Allstate, and Nationwide.

Liberty Mutual is known for offering competitive discounts and no-credit car insurance through its ByMile policy. Allstate and Nationwide provide no-credit-check car insurance with their pay-per-mile plans. Learn more about low-mileage car insurance companies.

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Insurance Discounts	Liberty Mutual
	#2	25%	A+	Comprehensive Coverage	Allstate
	#3	20%	A+	Widespread Availability	Nationwide
	#4	15%	A-	Low Mileage	Metromile
	#5	10%	NR	Safe Driving	Root
	#6	5%	NR	Mileage-Based Discount	Mile Auto
	#7	8%	NR	Eco-Friendly	Noblr
	#8	6%	B+	Flexible Payments	Hugo

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.

What You Should Know

• Liberty Mutual offers affordable, no-credit-check coverage
• Companies without credit checks provide flexible insurance options
• No-credit-check insurers prioritize driving habits over credit

#1 – Liberty Mutual: Top Pick Overall

Pros

• Diverse Discount Options: Liberty Mutual offers a wide range of discounts with no credit check. Read our Liberty Mutual review for a discount list.
• Accident Forgiveness: The first accident doesn’t raise premiums, regardless of credit score.
• Flexible Coverage Plans: Liberty Mutual allows drivers to adjust coverage levels easily without using a credit score for pricing.

Cons

• Higher Premiums for New Drivers: New drivers may face higher premiums without a credit score review compared to more experienced drivers.
• More Expensive for High-Risk Drivers: High-risk drivers with a claims history may see elevated rates, even though credit scores aren’t considered.

#2 – Allstate: Best for Comprehensive Coverage

Pros

• Accident Forgiveness: Allstate offers accident forgiveness without checking your credit score, ensuring that a single incident doesn’t spike your premium.
• Extensive Coverage Options: Our Allstate review highlights robust coverage choices at competitive car insurance rates without credit history.
• Safe Driving Bonus: Drivers can qualify for a safe driving bonus, even if they have a limited credit history, making it a solid choice for responsible drivers.

Cons

• Strict Eligibility: Only Allstate Milewise and Allstate Milewise Unlimited plans offer no-credit-check car insurance.
• Higher Average Premiums: Allstate insurance rates without a credit check can be higher than some competitors, especially for younger drivers.

#3 – Nationwide: Best Bundling Discounts

Pros

• Widespread Access: Nationwide SmartMiles car insurance without a credit check is available in 44 states and Washington, D.C.
• Multiple Discount Opportunities: Safe driver and good student discounts apply without considering credit scores. Discover more in our Nationwide review.
• Superior Financial Rating: Nationwide boasts an A+ A.M. Best rating, ensuring financial reliability without relying on credit history.

Cons

• Higher Initial Premiums: Initial rates can be higher than some competitors that do check credit scores, especially for new customers.
• Strict Eligibility: Only Nationwide SmartMiles pay-per-mile insurance policies come without a credit check.

#4 – Metromile: Best for Low-Mileage Drivers

Pros

• Mileage-Based Premiums: Metromile offers pay-per-mile pricing, which is perfect for drivers who do not drive a lot and also have low credit scores.
• Tech Integration: A mobile app gives exact mileage tracking, so drivers without strong credit can manage costs better.
• Customizable Coverage: Flexible choices let low-mileage drivers with poor credit scores select the right policies. Learn how Metromile is different from traditional car insurance.

Cons

• Limited Availability: Metromile is available in eight states, although its merger with Lemonade Insurance could expand its reach in the future.
• Device Requirement: Needs to install a mileage tracker. Some drivers who have bad credit may think this is too invasive.

#5 – Root: Best for Safe Drivers

Pros

• Behavior-Based Pricing: Discounts come from driving habits, very good for careful drivers who don't have high credit scores.
• No Traditional Underwriting: Root assesses your risk through a test drive without checking your credit score. Explore what customers think of Root Insurance.
• Roadside Assistance: Root roadside assistance is automatically applied to every car insurance policy without a credit check.

Cons

• Limited Availability: Available only in some states, so it can limit choices for drivers who have bad credit scores.
• Eligibility Difficulties: The driving evaluation period might cause delays in getting car insurance coverage for people with bad credit.

#6 – Mile Auto: Best Mileage-Based Discount

Pros

• No Credit Score Requirement: Mile Auto focuses on mileage-driven premiums, ignoring driver credit scores. Find out about Mile Auto customer ratings here.
• Simple Policy Management: Easy-to-use mobile tools streamline policy handling for low-credit customers.
• No Tracking Device: Mile Auto tracks mileage with a picture of your odometer. It doesn't use devices to track location, driving habits, or credit score.

Cons

• Expensive for High Mileage: If you go over mileage limits, costs can get high regardless of no credit check.
• Limited Discounts: Fewer opportunities for additional savings outside mileage considerations for low-credit customers.

#7 – Noblr: Best for Eco-Friendly Vehicles

Pros

• Focus on Sustainability: Drivers who drive hybrid or electronic vehicles (EVS) but have low credit ratings can take advantage of green discounts.
• Driving Habits Integration: Behavior-based pricing helps low-credit drivers get cheaper car insurance rates. Learn more Noblr car insurance review.
• Military Discounts: Military members with USAA insurance get additional savings when signing up for Noblr usage-based car insurance without a credit check.

Cons

• Limited Availability: Noblr no-credit-check-auto insurance is only available in 15 states.
• Unclear Long-Term Savings: Behavior-driven rates may fluctuate, impacting low-credit drivers seeking stable premiums.

#8 – Hugo: Best for Flexible Payments

Pros

• Pay-As-You-Go Plans: Drivers with bad credit can choose between daily, weekly or monthly payments.
• Policy Freeze: It gives drivers with low credit the option to pause their insurance when it's not necessary, which can lower charges.
• No Down Payment: Low-credit drivers do not need to pay premiums up front to start coverage.

Cons

• Only Basic Coverage: Pay-as-you-go plans lack full coverage options for low-credit drivers. Find out how to choose the best insurance company to get the right policy.
• Limited Availability: Hugo auto insurance without a credit check is only available in 13 states.

Comparing Minimum and Full Coverage Rates Without a Credit Check

The table below shows the differences between minimum and full coverage rates for some of the best insurance companies that don't check credit scores:

Insurance Company	Minimum Coverage	Full Coverage
	$90	$175
	$45	--
	$85	$160
	$50	$125
	$55	$120
	$80	$155
	$65	$140
	$60	$135

The prices change a lot between different providers. Hugo has the lowest minimum coverage at $45, but it does not sell full coverage car insurance. Metromile gives good prices with $50 for minimum coverage and $125 for full coverage, and your rates could be even lower if you drive less than 10,000 miles per year.

Liberty Mutual and Allstate have higher prices, but those rates can drop significantly when you sign up for Liberty Mutual ByMile or Allstate Milewise pay-as-you-go car insurance.

Every car insurance company will check your credit score when setting rates unless you sign up for a pay-per-mile program.

Getting Car Insurance Discounts Without a Credit Check

Understanding and leveraging available discounts can make a significant difference in car insurance costs, especially with providers that don’t check credit scores.

Insurance Company	Available Discount
	Safe driving, multi-policy, early signing, fleet, paid-in-full, and anti-theft discounts
	Pay-as-you-go, low-mileage, safe driving discounts
	Safe driving, multi-policy, fleet, new business, anti-theft, electronic payment, and paid-in-full discounts
	Low-mileage, safe driving, paid-in-full, and bundling discounts (where applicable)
	Low-mileage, safe driving, paid-in-full discounts
	Multi-policy, fleet, new business, anti-theft, safe driving, accident-free, and electronic payment discounts
	Safe driving, low-mileage, eco-friendly vehicle, paid-in-full discounts
	Safe driving, low-mileage, paid-in-full, bundling discounts

By utilizing options like multi-policy and safe driving discounts, drivers can better manage monthly car insurance costs.

To qualify for multi-policy discounts, you must have home or renters insurance with the same company. Compare the best and cheapest homeowners insurance to find the best premiums.

Finding Flexible Car Insurance Without a Credit History

Liberty Mutual, Allstate, and Nationwide are the best car insurance companies that don't check credit scores. You must qualify for their mileage-based insurance plans to avoid a car insurance credit check.

An easy way to save money? Customize with Liberty Mutual. Plus, 13 other tips for lowering your car insurance. https://t.co/Fi4LjmDXye pic.twitter.com/W8CifJuAVP

— Liberty Mutual (@LibertyMutual) July 19, 2023

These top eight companies meet different needs by offering cost-effective choices and special perks, including tech-based policies, discounts for having more than one policy with them, or pay-as-you-go features that add flexibility. Read our guide to the best and cheapest car insurance companies to see how these providers compare.

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