Car insurance glossary
What is insurance score?
An insurance score is a rating tool based on selected credit information and other permitted data, where state law allows its use.
Also called: credit-based insurance score
Glossary date: June 22, 2026
How it works
It is not the same as a consumer credit score and is only one possible part of underwriting or pricing. Some states restrict or prohibit its use.
Example
An insurer uses an approved model alongside driving and vehicle information when calculating a rate.
Why it matters
Incorrect credit-file information can influence a score where the factor is allowed.
What to check on your policy
Read the insurer's notice, review the referenced consumer report, dispute errors with the reporting company, and check state protections.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.