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Sorry, a non-American here. By "credit score" are you referring to the financial credit score or some sort of "points system" for drivers? If the former, then why would it be important to include it?

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In some states auto insurance companies are using credit score because there is correlation between insurance claims and credit score [1]. I guess you can establish "crash-free" and insurance claim correlation even more easier.

[1] https://www.forbes.com/advisor/car-insurance/auto-insurance-...

Not some states but 94% of the states, according to your link.

Looks like that article may be out of date, according to experian [1] 4 states completely disallow using credit scores to set auto insurance rates, and 3 more restrict it. However, this is still significantly more than "some states"

[1] https://www.experian.com/blogs/ask-experian/which-states-pro...

Credit score is correlated with personality traits such as conscientiousness, risk-taking, etc, which in turn influence driving safety

While this may be true I always assumed the strongest reason for including this in insurance quotations was the lower risk of fraudulent claims from those with stronger finances.

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