Credit Scores in the PIA Western Alliance States

The issue of the use of credit scores to set insurance rates comes up nearly every session of a Legislature in many of the PIA Western Alliance states. Many insurance commissioners support banning the practice claiming it penalizes the poor and minorities.

Statistics say it doesn’t. And it appears the average credit score in most of the PIA Western Alliance states isn’t all that bad. By the way, the national average is 713. That was 2025’s average and it was the first decline since 2013.

Experian September 2025 data looked at FICO Score 8. It ranges from 300 to 850. Five PIA Western Alliance states ranked in the top-10. The lowest score is Nevada’s and it ranks 26th among the 50 states.

The top 10 best average FICO scores from 2025:

1. Minnesota: 741

2. Vermont: & Wisconsin: 737

3. New Hampshire: 735

4. Washington: 734

5. Massachusetts, Maine & South Dakota: 731

6. The PIA Western Alliance states of Hawaii, Montana & Oregon: 730

7. The PIAS Western Alliance state of Idaho & Colorado: 729

8. Iowa, Nebraska & Utah: 728

9. Connecticut: 724

10. New Jersey & Wyoming: 722

The rest of the PIA Western Alliance states:

11. California: 721

12. Alaska: 720

21. Arizona: 709

25. New Mexico: 701

26. Nevada: 699

The five lowest states:

1. Mississippi: 677

2. Louisiana: 686

3. Alabama: 689

4. Texas & Georgia: 692

5. Oklahoma & Arkansas: 693

Source link: Visual Capitalist — https://bit.ly/4iFt6mR