Many states insurance regulators allow auto insurance companies to use a person's credit history as part of the rating factors that can be used to calculate the premium. New Mexico's Insurance Division does allow insurance carriers to check applicants' credit. 

Just because credit can be used as rating criteria does not mean that all insurance companies will run a credit check. This would depend on the company's underwriting guidelines and rating system.

Insurance companies can differ on their rating system and the factors that they take in to determine the rate for a person seeking auto insurance. While many insurance companies do choose to run credit checks on applicants as part of the application process some do not.

Insurance rates are not purely calculated based on credit history. There are other variables such as where you live, the type of car, driving record, etc that also are factored in. If the car insurance company you are using does look at your credit score then it will help if the other factors, such as your driving record are clean and can help balance out a bad credit history with some rating systems.

To get a New Mexico online car insurance quote, follow this link.