Does Comparing Insurance Hurt Credit?
Shopping around for car insurance rates won't hurt your credit score.
Updated July 6, 2026 · By the SavePilots team
Comparing car insurance rates does not hurt your credit score. When you shop for insurance, providers typically perform a soft inquiry rather than a hard pull on your credit report. Soft inquiries do not impact your credit score, allowing you to explore different options without worry.
It's important to understand the difference between soft and hard inquiries. Soft inquiries occur when you check your own credit or when a company checks your credit for promotional purposes. These do not affect your credit score. In contrast, hard inquiries happen when you apply for credit, such as a loan or credit card, and can have a temporary effect on your score.
If you're considering switching insurers or just want to check if you could get a better deal, using a service like SavePilots can help you compare rates from licensed providers quickly and efficiently. You can get started with a free savings checkup or even perform an auto insurance rate scan by entering your ZIP code. This can give you insights into potential savings without impacting your credit.
In summary, feel free to compare auto insurance rates as much as you need. It’s a smart way to ensure you're not overpaying for coverage, and it keeps your credit score intact.
SavePilots is a comparison service, not an insurer, agent, or broker. Rates and product offerings vary by state and individual profile. This content is general information, not financial or insurance advice.
Frequently asked questions
What is a soft inquiry?
A soft inquiry is a check on your credit that does not affect your credit score. This occurs when you check your own credit or when companies check your credit for promotional offers.
Will shopping around for insurance affect my credit score?
No, shopping around for insurance uses soft inquiries, which do not impact your credit score. You can safely compare rates without worrying about your credit.
How can I compare auto insurance rates?
You can compare auto insurance rates by using services like SavePilots, which allows you to check rates from licensed providers in just a few minutes.
What should I do if I find a better insurance rate?
If you find a better rate, it's a good idea to contact the new insurer to understand the coverage options and terms before making a switch.
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ReadSavePilots is a comparison service, not an insurer, agent, or broker. Rates and product offerings vary by state and individual profile. This content is for general information and isn't financial or insurance advice.