Does my credit score affect my car insurance in Massachusetts?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
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Short answer: No. Massachusetts is one of a few states — along with California and Hawaii — that prohibit insurers from using credit-based insurance scores to set auto premiums. Your driving record and experience carry the weight instead.
In most states, a credit-based insurance score can significantly influence your auto premium. Massachusetts bans the practice for auto insurance, so improving your credit won't lower your Massachusetts car insurance rate — though credit may still matter for other insurance lines, or for auto coverage if you move to a state that allows it.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed