Cheapest car insurance with poor credit.
Real filed 25-55/full-coverage rates with the poor-credit modeled adjustment applied, aggregated across every city we track.
This is usually the widest gap on the whole credit scale, some insurers penalize poor credit heavily, others weigh it much less, so the ranking below tends to shuffle more than the excellent or good-credit versions of this page. Five states ban the practice outright, see our guide on credit-based insurance scores for which ones.
The credit tier (Poor) adjustment (×1.55) is modeled on top of real filed 25-55/full-coverage base rates, not a separately filed rate. Methodology.
Cheapest insurers, national average.
Cheapest cities for this bracket.
From $75.95/mo
From $80.60/mo
From $89.64/mo
From $113.15/mo
From $116.76/mo
From $122.96/mo
From $124.00/mo
From $124.00/mo
See rates for other driver profiles.