Insurance

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Published Oct 10, 2025

For people in the Northeast, Erie also offers great rates, but you can't get it unless you live in one of 12 states .

Across the states that allow credit rating to factor into car insurance rates, poor credit raises prices by 88% per year. By comparison, Geico only raises its rates by 59%, while State Farm more than triples its rates.

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Geico is among the largest car insurance companies in the country and offers some of the best rates for drivers with poor credit. Drivers with poor credit pay an average of $257 per month with Geico. In 13 states, it has the best rates of any non-USAA insurer. The company only raises rates 59% for drivers with bad credit compared to people with good credit.

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