Some states restrict using credit scores to measure your auto insurance rates. For example, the use of an aggregate credit score (i.e. Insurance or Bureau Score) is not an acceptable rating component for personal lines of insurance in California. Usually, your claim history and driving history play a more important role in your insurance rate.
The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.