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How is the cost of your car insurance affected by your credit score in Massachusetts?
I live in Boston and I'll be buying car insurance for the first time. I'm 20 and don't have great credit. How will this affect my insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Even if you have bad credit, your car insurance company can’t pull your credit report. Instead, they can only look at factors like your:
- Age
- Driving record
- Location
- Prior insurance information
Since you’re getting car insurance for the first time, your rates will likely be higher. New drivers or drivers who have never been insured often pay more for insurance.
Until you prove that you are a good driver and can make your payments on time, your rates will be higher. As you age, your rates should also decrease as long as you maintain a
clean driving record
. Since you will be getting insurance for the first time, you’ll also want to shop around. Every company offers different rates, so comparison shopping with
Jerry
will ensure you’re getting the best price.”View full answer
- Gregory R.
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