State Farm does check credit for insurance quotes.
Although State Farm does not always check credit for all policies or for all states.
State Farm uses credit based insurance scores to determine insurance rates in most states, except for Massachusetts, Hawaii and California.
Your credit score affects your car insurance by determining if you're a risk of filing a claim.
Lower credit scores usually lead to higher car insurance premiums than high credit scores, because insurance companies use a credit based insurance score to predict your risk as a policyholder of filing a claim.
Studies also have found that there's a correlation between lower credit based insurance scores and a higher likelihood of filing an insurance claim, so as a result, drivers that have poor credit or lower credit scores often will pay significantly more for their or car insurance coverage.
Although the exact impact of your credit score on your car insurance or auto insurance premiums can vary by state, but a higher credit score can also result in some substantial savings on your auto insurance premiums.
Most major car insurance companies, use a credit based insurance score, as one of their many factors in determining your auto insurance premiums.
People with higher credit scores are often seen as being lower risk than people with lower credit scores and may pay less for their car insurance.
And people with lower credit scores may pay more for their car insurance.
Your driving history, location and type and value of car also affect your car insurance rates.
Although even with a low credit score, you might be able to find cheap car insurance still.