Why Your Credit Score Has Nothing to Do With How You Drive

Traditional auto insurers pull your credit score before they ever ask how you drive. If you've had medical debt, a job loss, or a rough financial stretch, you're paying more for car insurance, even if you've never had a single accident.

In Illinois, a safe driver with poor credit pays $850 more per year than a driver with a DUI conviction and excellent credit. Let that sink in.

Omnidya built Proof-Based Insurance™ to fix exactly this. Your credit score doesn't tell us how you handle a merge or react to a school zone. Your dashcam does. We install a camera in your car, connect it to our AI scoring model, and tie your premium directly to your driving behavior, not your biography.

The mechanism is simple: your dashcam records every trip. Our model scores your behavior, including speed consistency, following distance, hard braking, and distraction signals. That score sets your rate. Every month.

If your credit took a hit because of something that had nothing to do with driving, that shouldn't follow you to your insurance bill. At Omnidya, it doesn't.

You drive well. You should pay accordingly. Get your real rate, no credit check required.