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Indiana Car Insurance Premiums Vary Widely By Credit Score

According to a new study from WalletHub, car insurance premiums in Indiana fluctuate more than most other places in the nation, based on a customer's credit score.

Odysseas Papadimitriou is the CEO of WalletHub. He says some Hoosiers are getting a raw deal compared to others in the country, partly because of how insurance is regulated.

"Unfortunately insurance is regulated at the state level, which is how the big guys want it so that they can increase the barriers for entry for smaller insurance companies," he says.

In all 50 states and the District of Columbia, researchers obtained quotes from five of the largest auto insurance providers in the country. They used two hypothetical consumers who were identical, except for one having excellent credit while the other had no credit.

Based on credit score, the study shows premiums in the state can fluctuate by around 110 percent, or 45 percent higher than the national average.

Papadimitriou says companies are unfair to base rates off of scores, partially because an individual's score may vary across reports.

"Unless they [the companies] are very transparent about where they are getting this credit report from, then essentially consumers' car insurance premiums may be inadvertently inflated," he says.

And according to Papadimitriou, this should be an important lesson to consumers everywhere.

"A lot of people say ‘Oh, I hate debt, I never want a credit card, I never want a loan.' Great, but that's a little bit shortsighted when they realize the importance of credit in other aspects that have nothing to do with credit- car insurance, in this case-then they might take a more active role in managing their credit," he says.

According to the study, Allstate appears to be the company that relies on credit data the most, with a 116 percent fluctuation in premiums between a consumer with excellent credit and a consumer with bad credit. State Farm seems to rely on credit data the least, displaying a 45 percent premium fluctuation.

"The one very important thing is that if they're going to use credit report data," Papadimitriou said. "Because of how many errors there are, they should be obliged to send a free copy of the credit report to the consumer."

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