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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-...

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Looks like that article may be out of date, according to experian [1] 4 states completely disallow using credit scores to set auto insurance rates, and 3 more restrict it.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

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