Can You Get Insurance Discounts with a 600 Credit Score

Yes, you can still get insurance discounts with a 600 credit score. A 600 score is considered “fair,” not “bad,” so insurers won’t shut you out of savings. You might not qualify for the deepest discounts, but you absolutely can still get some. The reason is that most discounts are based on behavior, risk factors, and life situations, not your credit score. Credit mainly affects your base rate, not whether you can stack discounts on top of it.

Why Discounts Are Still Available with a 600 Score

Insurance companies use something called an insurance-based credit score. It’s similar to a regular credit score but not the same number. Even if your regular score is around 600, your insurance score might land slightly higher because it weighs things differently. That alone leaves room for discounts.

Most discounts are tied to factors that have nothing to do with credit. Insurers offer them because they lower the chance you’ll file a claim, which saves them money. That means they’re willing to offer these price breaks to almost anyone who meets the criteria, regardless of credit.

Where Your Credit Score Actually Matters

• Your starting rate: A 600 credit score usually means your base premium is higher than someone with excellent credit. That’s the painful part, and there’s no way to sugarcoat it.
• Your discount depth: Some “excellent-credit-only” special pricing won’t apply. These aren’t common, but they exist.

The key point: credit affects how high the price starts, not whether you’re allowed to shrink it with discounts.

Discounts You Can Usually Still Get

• Safe-driver or accident-free because this relies on driving history, not credit.
• Good student if you have qualifying grades, regardless of income or credit.
• Bundling home and auto because it saves insurers money when you have multiple policies.
• Low mileage or telematics driving programs since they reward actual behavior, not finances.
• Renter or safety-device discounts for alarms, smoke detectors, or anti-theft devices.

These discounts are widely accessible and can cut down the higher starting rate that comes with fair credit.

So yes, a 600 credit score doesn’t block you from insurance discounts at all. You might pay a bit more upfront, but you can absolutely reduce the bill with the right qualifying factors.