Does Your Credit Score Affect Auto Insurance in Utah?

Hey everyone,

I’ve been wondering how much your credit score really impacts car insurance rates here in Utah. I’ve heard that insurers use something called a “credit-based insurance score” to help determine your premium, even if you’ve never had an accident.

In Salt Lake City, drivers with better credit often get lower rates because they’re seen as less risky to insure. On the flip side, a poor credit score can mean paying more—even if you have a clean driving record.

When I checked Salt Lake City car insurance options, some companies weighed credit more heavily than others, so it really pays to shop around.

Have any of you seen a noticeable difference in your premium after improving your credit? Or did switching insurers help offset a lower credit score?