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Do insurance companies check my credit for an FR44 quote?

No. Getting an FR44 quote uses what the industry calls a soft pull. It shows up on your end, but it does not affect your credit score at all, and lenders and credit agencies do not even see it.

And this is worth saying plainly, because it stops people from shopping. We've talked to plenty of drivers who were afraid that calling three or four companies after a DUI would wreck whatever credit they had left. That is not how quoting works. You can get quoted by as many carriers as you want without it costing you a point.

That matters here more than it does with regular insurance. Every company prices a DUI its own way, so the only way to find the one that is cheapest for your record is to let several of them look at it. We shop over fifteen carriers on every quote, and none of it touches your score.

Still need an answer for your own case?

Every FR44 situation has details a page can't cover. Tell us yours and we'll shop it across our carriers and file the same day you buy.