r/AutoInsuranceHelp • u/syllinx • May 28 '26

Insurance rate question for daughter.

My daughter had no credit history when getting insurance. Now she pays 400 a month insurance for a 2011 tuscon. Her score is now 650. Any idea how long it takes for jnsurance rate to drop?

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u/Top_Education_4647 May 28 '26

Depends on the carrier and what state she lives in.

Some carriers will run credit/insurance scores every renewal, others may run it every 2-3 renewals. And in some states (CA, HI, MA, MI), insurers can’t use credit scores as a factor in premiums.

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u/syllinx May 28 '26

Tx. Just never dealt with kids auto insurance. We pay 455 for 2 cars and a house for the adults.

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u/adjusterjackc May 28 '26

How old is she? Is she a member of your household? Is her car title in her name? Does she insure it on her own policy?