Car Insurance with Bad Credit: Rates by State (2026)
Poor credit can increase car insurance by 40-100%+ in most states. Some states ban credit-based pricing entirely. Select your state below to see the impact and cheapest options.
All 50 States — Bad Credit Rates
NCNorth Carolina
$119/moNo impact
HIHawaii
$134/moNo impact
MEMaine
$137/mo+38%
VTVermont
$140/mo+37%
NHNew Hampshire
$148/mo+41%
IDIdaho
$153/mo+42%
OHOhio
$167/mo+48%
MAMassachusetts
$168/moNo impact
MDMaryland
$175/moNo impact
IAIowa
$181/mo+47%
WIWisconsin
$184/mo+47%
WYWyoming
$184/mo+43%
NDNorth Dakota
$186/mo+44%
SDSouth Dakota
$194/mo+45%
CACalifornia
$201/moNo impact
MTMontana
$201/mo+46%
INIndiana
$202/mo+52%
VAVirginia
$211/mo+52%
NENebraska
$213/mo+49%
AKAlaska
$216/mo+45%
OROregon
$220/mo+51%
WAWashington
$225/mo+53%
WVWest Virginia
$226/mo+53%
UTUtah
$228/mo+49%
PAPennsylvania
$234/mo+54%
TNTennessee
$237/mo+56%
NMNew Mexico
$239/mo+54%
MNMinnesota
$240/mo+53%
MIMichigan
$244/moNo impact
ALAlabama
$250/mo+58%
ARArkansas
$251/mo+55%
MOMissouri
$261/mo+58%
SCSouth Carolina
$267/mo+59%
ILIllinois
$268/mo+72%
MSMississippi
$272/mo+64%
KSKansas
$276/mo+57%
DEDelaware
$284/mo+56%
COColorado
$288/mo+59%
AZArizona
$292/mo+63%
OKOklahoma
$299/mo+61%
RIRhode Island
$314/mo+62%
TXTexas
$325/mo+61%
KYKentucky
$339/mo+62%
GAGeorgia
$342/mo+65%
CTConnecticut
$349/mo+68%
NVNevada
$357/mo+67%
NJNew Jersey
$436/mo+73%
LALouisiana
$562/mo+82%
FLFlorida
$619/mo+88%
NYNew York
$669/mo+109%
How we calculated: Rates based on a 30-year-old driver, poor credit (below 580), full coverage, 2020 Toyota Camry. California, Hawaii, Massachusetts, and Michigan ban credit-based pricing. Updated March 2026.