How heavily do major insurance carriers weight credit scores compared to driving history when calculating family auto rates today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How heavily do major insurance carriers weight credit scores compared to driving history when calculating family auto rates today?
3 real searches · 1 real-search pass
2026 2025 auto insurance credit based insurance score impact premium compared driving record major insurers rate factors study United StatesGoogle ↗
OBSERVEDConsequence
NAIC credit based insurance scores auto insurance premiums state restrictions 2025Google ↗
OBSERVEDShort fact
Consumer Federation America credit score auto insurance premium driving record comparison studyGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 2025 auto insurance credit based insurance score impact premium compared driving record major insurers rate factors study United States Google ↗
NAIC credit based insurance scores auto insurance premiums state restrictions 2025 Google ↗
Consumer Federation America credit score auto insurance premium driving record comparison study Google ↗
- How a Credit Score Affects Your Car Insurance · consumerreports.org
- Article - Report Details Severe Credit Score Penalties in Auto Insurance · consumerfed.org
- What is Insurance Scoring? · nj.gov
- What is Insurance Scoring? · nj.gov
- Figure 8: Average Premiums Charged By Insurers Based on Credit History in Various New Jersey ZIP Codes · consumerfed.org
- Insurance Topics | Credit-Based Insurance Scores · content.naic.org
- Insurance Topics | Auto Insurance · content.naic.org
- Credit-Based Insurance Scores FAQs · transunion.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 2025 auto insurance credit based insurance score impact premium compared driving record major insurers rate factors study United States OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
NAIC credit based insurance scores auto insurance premiums state restrictions 2025 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Consumer Federation America credit score auto insurance premium driving record comparison study OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |