In a few states, you may need to thaw frozen credit reports before buying or renewing insurance policies. Getty Images By Kimberly Lankford, Contributing Editor From Kiplinger's Personal Finance, February 2018 QI’ve heard that insurers use credit data to set premiums, but I froze my credit reports after the Equifax data breach. Will this affect my car insurance rates? -C.M., New York CityAAll states except California, Hawaii and Massachusetts allow insurers to use your credit-based “insurance score” as a factor when setting rates. And in a few of those states, including New York, if you don’t unfreeze one or more of your credit reports when applying for an insurance policy, the score could come back as a “no hit” and you could be treated as if you have no credit history. In that case, you could end up with a higher premium because you wouldn’t earn any discounts for having a good score, says Jill Roth, an independent insurance agent in Alexandria, Va. But most states allow credit reviews for insurance purposes even if the files are frozen, says Penny Gusner, an insurance expert at Insure.com. See Also: Freeze Your Credit in Three Steps Let your agent or insurer know about the freeze before you apply for a policy. Also ask if you should thaw your report before a renewal, especially if you can benefit from a higher score, says Justin Herndon, an Allstate spokesman. Your insurance score is different from your credit score. “These scores usually incorporate credit data, but some models also consider other data, such as claims history,” says Regina Haas, of LexisNexis Risk Solutions. Each year, you can get a free copy of your LexisNexis file, which includes its Attract insurance score, at http://personalreports.lexisnexis.com. Or get your TransUnion auto insurance score free at CreditKarma.com to see where you stand. See Also: Best Places to Check Your Credit Score for Free Got a question? Ask Kim at firstname.lastname@example.org.