{"dataset":"How Much Credit Moves Your Car-Insurance Rate (Filed Tiers)","description":"Filed credit / financial-responsibility tier factors from carrier SERFF filings — the bodily-injury rating factor by credit tier, normalized within each carrier to its best credit tier. Within-carrier only; never a cross-carrier merge.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com), verified against the source PDF","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/how-much-credit-score-affects-car-insurance","pressContact":"press@fastautoquote.org","carriers":[{"carrier":"Progressive","state":"IL","serffTracking":"PRGS-134785395","effectiveDate":"2026-01-30","structure":"Financial-responsibility letter tiers (A1 best → R1 worst)","source":"Progressive Northern (PNIC), Illinois — Financial Responsibility Tier Factor Table, BI column (Prior-Insurance-Class A).","caveat":"Factor blends with prior-insurance class + company; the A-class/PNIC BI ladder is shown. Best tier is 0.87 (not 1.00).","poorVsBestMultiple":1.92,"tiers":[{"tier":"A1 (best)","filedFactor":0.87,"multipleOfBest":1},{"tier":"B1","filedFactor":0.96,"multipleOfBest":1.10},{"tier":"C1","filedFactor":1.01,"multipleOfBest":1.16},{"tier":"D1","filedFactor":1.03,"multipleOfBest":1.18},{"tier":"E1","filedFactor":1.10,"multipleOfBest":1.26},{"tier":"F1","filedFactor":1.14,"multipleOfBest":1.31},{"tier":"G1","filedFactor":1.19,"multipleOfBest":1.37},{"tier":"H1","filedFactor":1.23,"multipleOfBest":1.41},{"tier":"I1","filedFactor":1.24,"multipleOfBest":1.43},{"tier":"J1","filedFactor":1.32,"multipleOfBest":1.52},{"tier":"K1","filedFactor":1.38,"multipleOfBest":1.59},{"tier":"L1","filedFactor":1.39,"multipleOfBest":1.60},{"tier":"M1","filedFactor":1.40,"multipleOfBest":1.61},{"tier":"N1","filedFactor":1.44,"multipleOfBest":1.66},{"tier":"O1","filedFactor":1.51,"multipleOfBest":1.74},{"tier":"P1","filedFactor":1.52,"multipleOfBest":1.75},{"tier":"Q1","filedFactor":1.53,"multipleOfBest":1.76},{"tier":"R1 (worst)","filedFactor":1.67,"multipleOfBest":1.92}]},{"carrier":"Mercury","state":"TX","serffTracking":"MERY-134769395","effectiveDate":"2026-03-27","structure":"Credit-group tiers (AA best → R1 worst)","source":"Mercury County Mutual, Texas — Credit Group Factor Table, BI column (single-driver rows).","caveat":"Factor also scales with driver count; single-driver BI ladder shown. Best tier is 0.69 (not 1.00).","poorVsBestMultiple":2.20,"tiers":[{"tier":"AA (best)","filedFactor":0.69,"multipleOfBest":1},{"tier":"AB","filedFactor":0.72,"multipleOfBest":1.04},{"tier":"AC","filedFactor":0.74,"multipleOfBest":1.07},{"tier":"B1","filedFactor":0.77,"multipleOfBest":1.12},{"tier":"C1","filedFactor":0.85,"multipleOfBest":1.23},{"tier":"D1","filedFactor":0.89,"multipleOfBest":1.29},{"tier":"E1","filedFactor":0.97,"multipleOfBest":1.41},{"tier":"F1","filedFactor":1.02,"multipleOfBest":1.48},{"tier":"G1","filedFactor":1.05,"multipleOfBest":1.52},{"tier":"H1","filedFactor":1.07,"multipleOfBest":1.55},{"tier":"I1","filedFactor":1.12,"multipleOfBest":1.62},{"tier":"J1","filedFactor":1.14,"multipleOfBest":1.65},{"tier":"K1","filedFactor":1.26,"multipleOfBest":1.83},{"tier":"L1","filedFactor":1.33,"multipleOfBest":1.93},{"tier":"M1","filedFactor":1.36,"multipleOfBest":1.97},{"tier":"N1","filedFactor":1.38,"multipleOfBest":2},{"tier":"O1","filedFactor":1.38,"multipleOfBest":2},{"tier":"P1","filedFactor":1.39,"multipleOfBest":2.01},{"tier":"Q1","filedFactor":1.39,"multipleOfBest":2.01},{"tier":"R1 (worst)","filedFactor":1.52,"multipleOfBest":2.20}]},{"carrier":"Clearcover","state":"AZ","serffTracking":"CLEA-134142856","effectiveDate":"2024-07-15","structure":"Insurance-score discount levels (Level 50 best → reference Level 1 worst)","source":"Clearcover Insurance Company, Arizona — insurance-score factor levels, BI (reference tier = 1.00, best tier = deep discount).","caveat":"Clearcover prices credit as a discount off the reference (Level 1) tier; the reference is the worst tier shown.","poorVsBestMultiple":2.40,"tiers":[{"tier":"Level 50 (best)","filedFactor":0.4163,"multipleOfBest":1},{"tier":"Level 40","filedFactor":0.4978,"multipleOfBest":1.20},{"tier":"Level 29","filedFactor":0.6061,"multipleOfBest":1.46},{"tier":"Neutral","filedFactor":0.6353,"multipleOfBest":1.53},{"tier":"No-hit","filedFactor":0.7514,"multipleOfBest":1.80},{"tier":"Reference / Level 1 (worst)","filedFactor":1.0000,"multipleOfBest":2.40}]}]}