Credit scores correlate with number and cost of claims. "A 2003 study done by the nonpartisan Bureau of Business Research at UT’s McCombs School of Business, confirmed this correlation. Study author Bruce Kellison explains that there is a relationship between how much a consumer costs an insurance company (aka incurred losses) and that customer’s credit score. Kellison and his colleagues examined more than 175,000 separate policies, and found that the average loss per policy, across the entire dataset, was $695. But for those policies in the lowest 10 percent of credit scores, the average shot up to $918." There are even some studies that show credit score to correlate more with incurred losses than driving record.