Get Your Free Auto Insurance Score

• Auto insurance scores are based on your credit history, not your driving history.
• Scores correlate with a driver’s likelihood of costing the insurer money down the road.
• Insurance scores usually come from Fair Isaac Corporation (FICO), LexisNexis, and TransUnion.
• A good insurance score is roughly 700 or higher, though it differs by company.
• You can improve your auto insurance score by checking your credit reports for errors, managing credit responsibly, and building a long credit history.
• California, Hawaii, and Massachusetts have banned the use of credit when calculating auto insurance rates.

1. Comparing Common Auto Insurance Scores
2. How to Get Your Auto Insurance Score
3. What Is a Good Auto Insurance Score?
4. Good Auto Insurance Scores by Provider
5. How To Improve Your Auto Insurance Score
6. Auto Insurance Score FAQ

Your auto insurance score, like a credit score, is an indicator of your risk. And auto insurance scores are largely based on the same information as traditional credit scores. But rather than using that information to assess your position as a borrower, it’s filtered through a different lens, producing results tailored to the insurance industry. For example, the table below shows how FICO considers different aspects of your credit report when calculating your auto insurance score.

You can check your auto insurance score for free right here on WalletHub. If you already have an account, you can take these steps:

1. Log in to your account.
2. Click on the WalletHub logo or “MyHub” to go to your dashboard.
3. Find the “Offers” dropdown on the left menu.
4. Click on “Insurance.”
5. Make sure “Car Insurance” is selected at the top.
6. View your score under the header “Your Car Insurance Score.”

If you don’t have an account, you can join WalletHub for free here.

Alternatively, if you call your auto insurer, they may give you your score. In addition, if they used your credit-based insurance score to take adverse action against you, like denying a renewal or raising your premium, they’re required to disclose that based on the Fair Credit Reporting Act.

Another way you can check your auto insurance score is by calling LexisNexis at 866-897-8126. The other two major companies do not provide scores to consumers.

If you’ve always paid your bills on time and have a long credit history, you can rest assured that you probably have a high auto insurance score. After all, your insurance score is largely tied to your standard credit score.

A good auto insurance score is usually anything above 700, and a higher score is always better. But it’s important to remember that each auto insurance score provider and car insurance company has its own definition of a “good” score.

Learn more about what a good auto insurance score means.

When your credit score goes up, your auto insurance score usually does, too. Similarly, when your credit score goes down, your auto insurance score generally falls. For example, people with no credit pay an average of 67% more on car insurance than those with excellent credit. And looking at car costs more broadly, excellent credit will save you more than $6,000 in interest on a five-year car loan, compared to fair credit.

In other words, you should probably check your latest credit score, which you can do for free on WalletHub. Checking out our top credit improvement tips wouldn’t hurt, either.

Get Your Latest Credit Score – 100% Free

Since your standard credit score heavily affects your auto insurance score, you should aim to improve your standard score. This means paying bills on time, having low credit utilization, and making other good choices. To learn about other ways to improve your credit, check out WalletHub’s guide.

Things like speeding tickets and insurance claims don’t factor into your car insurance score. But they are considered alongside your score when insurance companies determine your premium. And that means your ability to avoid accidents and citations has a big impact on your ability to save money. Making improvements in this area could also save your life.

By joining WalletHub for free, you’ll have access to daily-updated versions of your credit score and report, as well as a personalized credit analysis that advises you on how to improve.

At the end of the day, auto insurance scores won’t have as much of an impact on your life as credit scores. But they’re still an important tool that you should know how to use.

Americans are hard workers, putting in an average of 1,800 hours per year, according to the World Economic Forum. That’s 468 hours per year more than Germans work, but 405 fewer than Mexicans do, for example.

Even when given the chance to take time off, many Americans won’t, as nearly half of workers don't expect to use all of their allotted vacation days. It is possible to work hard without overdoing it, though. Hard work is key to success, and the residents of some states understand that better than others.

To determine where Americans work the hardest, WalletHub compared the 50 states across 10 key indicators. They range from average workweek hours to the share of workers with multiple jobs to the average leisure time spent per day.

Chip Lupo, WalletHub Analyst

1. Main Findings
2. In-Depth Look at the Hardest-Working States
3. Ask the Experts
4. Methodology

Notes: *No. 1 = Hardest Working With the exception of “Total Score,” all of the columns in the table above depict the relative rank of that state, where a rank of 1 represents the best conditions for that metric category.

South Dakota is the hardest-working state, in part because 6.5% of workers have multiple jobs, the 11th-highest percentage in the country. Although this may not be an ideal situation, indicating that people’s main jobs are not paying them enough, it’s still a testament to how hard South Dakota residents are willing to work.

In addition, South Dakota has the fifth-lowest share of “idle youth” – people ages 18 to 24 who are not in school, are not working and have no school experience beyond a high school diploma. This shows that young adults are actively trying to advance their education or career paths.

Finally, hard work continues to define South Dakotans, who also boast the highest employment rate in the country, at nearly 98%.

North Dakota ranks second among the hardest-working states, in part because it has the third-highest employment rate in the country, over 97%. Plus, workers ages 16 to 64 work an average of 39.4 hours per week – the fifth-most in the country.

People in the Roughrider State are also more likely to juggle multiple jobs, as North Dakota has the fourth-highest share of workers with multiple jobs. In addition, 33.5% of workers leave some vacation time unused, the second-highest percentage.

To top things off, both adults and young people stay busy in North Dakota. The state has the eighth-lowest share of households where no adults work, and the second-lowest share of people ages 18 to 24 with no degree beyond a high school diploma who are not in school and not working.

Alaska has the third-hardest-working residents in the country. The average Alaskan worker between the ages of 16 and 64 works 41.4 hours per week, the highest number of hours in the country. This is significant because Alaska is the only state where the average exceeds 40 hours per week. For comparison, people in the District of Columbia work an average of 40 hours per week, but Alaska exceeds that by 1.4 hours.

In addition, Alaska has the 12th-highest share of workers who leave some vacation time unused, at 27.5%. It also has the 12th-highest share of workers who have more than one job and the 10th-lowest share of households where no adults work.

The hard work ethic of Americans has brought about the creation of many successful businesses. But overworking can take a harsh toll on workers. For additional insight on both productivity and the condition of workers, we asked a panel of experts to weigh in with their thoughts on the following key questions:

1. In the current economic environment, do you believe wages will register a true increase or will people need to work extra or get a second job?
2. What impact do you believe AI will have on the American worker?
3. Do you believe job conditions are on the rise in the U.S.? What measures should authorities undertake in order to better protect workers?
4. What are the main changes in the job market in 2026, and how will they impact employee engagement?

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• Haiyong Liu Professor and Chair, Department of Finance and Economics, McCoy College of Business, Texas State University
• Miranda J. Welbourne Eleazar JD, Ph.D., Assistant Professor of Management and Entrepreneurship, Tippie College of Business - University of Iowa
• Dr. Miren Ivankovic Professor of Economics, Anderson University
• Sean Walker Ph.D., MBA - Professor of Management, College of Business and Global Affairs - University of Tennessee at Martin
• Thomas J. Norman Ph.D. - Professor of Management, California State University, Dominguez Hills; executive board member, California Faculty Association (CSUDH chapter)
• Andrew Burnstine Ph.D. – Associate Professor, College of Business and Management - Lynn University

In order to determine where the hardest-working Americans live, WalletHub compared the 50 states across two key dimensions: “Direct Work Factors” and “Indirect Work Factors.”

We evaluated those dimensions using ten key metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the “hardest-working.”

We then determined each state’s weighted average across all metrics to calculate its overall score and used the resulting scores to rank-order the states.

• Average Workweek Hours: Triple Weight (~32.00 Points)
• Employment Rate: Double Weight (~21.33 Points) Note: This metric was calculated as follows: civilian population aged 16 and over employed / total civilian population aged 16 and over in labor force.
• Share of Households where No Adults Work: Full Weight (~10.67 Points)
• Share of Workers Leaving Vacation Time Unused: Half Weight (~5.33 Points)
• Share of Engaged Workers: Half Weight (~5.33 Points) Note: This metric measures the share of employees who are “involved in, enthusiastic about and committed to their work and workplace,” as defined by Gallup.
• Idle Youth (18-24) Rate: Half Weight (~5.33 Points) Note: This metric measures the rate of residents aged 18-24 who are not currently enrolled in school, not working and have no degree beyond a high school diploma or GED.

• Average Commute Time: Full Weight (~5.00 Points)
• Share of Workers with Multiple Jobs: Full Weight (~5.00 Points) Note: This metric was calculated as share of employed population with multiple jobs among total employed population.
• Annual Volunteer Hours per Resident: Full Weight (~5.00 Points)
• Average Leisure Time Spent per Day: Full Weight (~5.00 Points)

Sources: Data used to create this ranking were collected as of July 27, 2026 from the U.S. Census Bureau, Bureau of Labor Statistics, U.S. Travel Association, Gallup, The Annie E. Casey Foundation and AmeriCorps.

• YouTube - National (for web embedding)
• YouTube - South Dakota (for web embedding)
• Raw video files (for editing into clips)

Currently, credit card interest rates range from 5.75% to 36% for new applicants. The average interest rate among credit card offers is 22.19%, as of August 2026 which is 0.81% lower than the prior month.

The interest rates on existing credit card accounts are a bit lower. For example, latest available May 2026 data shows that people with credit card debt currently pay interest at a 22.15% average annual rate. Below, you can learn more about current credit card interest rates, including how they vary by credit level.

1. Current Rates for New Offers
2. Current Rates for Existing Accounts
3. Credit Cards With the Best Rates

(Source: WalletHub)

See data for previous years’ credit card interest rates. (Sources: Federal Reserve, U.S. Bureau of Labor Statistics, WalletHub.com)

For more information, check out WalletHub’s complete review of the best credit card rates.

The average credit card interest rate is 22.19% for new offers and 20.94% for existing accounts, according to WalletHub’s Credit Card Landscape Report. The average interest rate among new credit card offers has increased by five percentage points since 2010.

2026's Best Credit Card Rates

1. Average Credit Card Interest Rates by Category
2. Average Credit Card APRs Over Time
3. Average Credit Card Interest Rates by Major Issuers
4. Average Intro Rates, Penalty Rate & Cash Advance Rate
5. Average 0% Intro APR Length Over Time
6. Average Cash Advance and Penalty APRs
7. 4 Tips for Getting a Better Credit Card APR

The main takeaway from this list is that the better your credit score is, the lower you can expect your credit card interest rate to be. And the vast majority of us have some room for credit improvement. You also get a sense for how average credit card interest rates fluctuate over time.

Below, you can take an even closer look at how APRs for existing accounts and new offers have changed in recent years. On that note, it’s important to point out that we will use “interest rate” and “APR” interchangeably in this article. APR, or Annual Percentage Rate, technically describes how much interest a balance will accrue over the course of a year. But interest is assessed daily, so a credit card’s interest rate is its APR divided by 365 (days in a year).

The average rates discussed above are so-called regular APRs. They apply to purchases and balance transfers under normal circumstances. But there are several other kinds of interest rates you should be aware of.

Here are the other average credit card interest rates:

• Purchase Intro APR: 0% for 11.7 months – Usually 0%, this promotional rate lasts for a limited amount of time before the regular APR kicks in.
• Balance Transfer Intro APR: 0% for 13 months – Usually 0% and sometimes offered for the same length of time as the purchase intro APR, this promo rate applies to balances transferred from another credit card or loan.
• Penalty APR: 27.34% – You’ll only see this interest rate if you fail to make your minimum payments.
• Cash Advance APR: 24.47% – You can use your credit card like a debit card to get money from an ATM. But interest will start accruing immediately, and you’ll be hit with a hefty fee.

1. Improve your credit. A better credit score can lead to much lower interest rates as well as higher odds of approval for 0% credit cards. WalletHub’s personalized credit analysis will tell you exactly what you need to do.
2. Comparison shop. It’s very easy to compare credit cards based on their regular and introductory interest rates, among other things. And if you know what your credit score is, you’ll have a sense of what rate you deserve.
3. Take advantage of 0% offers. Applying for a 0% credit card before making a big purchase that will take you months to pay off can save you a bundle. The same is true of transferring a balance with a high rate to a 0% balance transfer credit card. You just have to make a plan for repaying what you owe by the end of the 0% period. A credit card calculator can help with that.
4. Separate debt from everyday spending. Trying to use one credit card for everything isn’t the best idea. Don’t make purchases you can afford to pay in full by the due date with a credit card that you’re also using to carry a balance from month to month. That’s because those everyday purchases will accrue interest right along with your ongoing balance. But if you get another credit card solely for such everyday spending, interest won’t apply to it, as long as you pay your bill in full every month.

In conclusion, average credit card interest rates are a good tool to use when considering your credit card options. But it’s important to remember that the best credit card APR is one you never need to worry about. And you can get such a worry-free rate by always paying your bill in full. If you do that, your card’s APR won’t be a factor and you can focus on minimizing fees as well as maximizing rewards when picking a card.

If you’d like some even more in-depth statistical data about average credit card interest rates, WalletHub’s Credit Card Landscape Report has everything you’re looking for.

1. What Are Credit Card Interest Rates?
2. What Is the APR on a Credit Card?
3. What Is a Good APR for a Credit Card?
4. How Does Credit Card Interest Work?
5. Types of Credit Card Interest Rates
6. Current Credit Card Interest Rates
7. Credit Card Interest Rates by Company
8. Best Low Interest Credit Cards
9. When Credit Card Interest Rates Can Change
10. How to Lower the APR on a Credit Card
11. How to Calculate the APR on a Credit Card
12. Ask The Experts

This content is not provided or commissioned by any issuer, and has not been reviewed, approved or otherwise endorsed by an issuer.

Credit card interest rates tell you how much it will cost to borrow money from a credit card company, by carrying a balance from month to month. For example, if your interest rate is 20% and you carry a $500 balance, you would owe roughly $100 in interest after a year.

You can learn more from the FAQs below.

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The APR on a credit card represents the annual cost of carrying a balance with that credit card. The APR, or annual percentage rate, takes into account both a card’s daily interest rate and daily compounding, which is when interest applies to both the principal balance and previously assessed interest.

Learn more about the difference between a credit card APR and a credit card interest rate.

A good APR for a credit card is below 13%, as that is roughly the average regular purchase APR among credit card offers for people with excellent credit. But the best credit card interest rate is one that never applies, which is achievable if you pay off everyday purchases in full each month and use 0% APR credit cards for financing.

Learn more about what currently qualifies as a good credit card APR.

2026's Best Low Interest Credit Cards

Credit card interest rates won’t apply if you pay your full statement balance by the due date each billing period. But if you don’t pay in full or you perform a transaction such as a cash advance, interest will begin to accrue daily.

The rate at which interest accrues each day is the APR divided by 365. You can then multiply that by your balance to find the amount of interest you owe per day. It’s not always quite that simple, though.

All credit card interest rates compound daily. That means that each day you owe interest both on your original balance and on any other interest you’ve already accrued. So the amount of interest you owe each day will slowly increase. That’s why it’s vital to always make a plan to pay off your debt.

You can find more information about how credit card rates work in the FAQs below.

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1. Credit Card Purchase APR: The interest rate on things you buy with a credit card that applies when you don’t pay your statement balance in full every billing period.
2. Credit Card Balance Transfer APR: The interest rate you owe on balances you move from other credit cards or loans to your card. Typically, you get a low rate (even 0%) for a certain number of months, and then switch over to the regular APR.
3. Credit Card Introductory APR: This is a temporary promotional rate that some credit cards offer to new applicants for a certain period of time after account opening. It is lower than the normal APR, often 0%. The average credit card with a 0% introductory APR on purchases gives you more than 11.7 months without interest. Balance transfer intro APRs last 13.3 months on average.
4. Cash Advance APR: Withdrawing money from an ATM or bank branch using your credit card triggers this rate. The average credit card cash advance APR is 24.47%.
5. Penalty APR: This rate may apply after you miss a due date. And whether it applies to future purchases or an existing balance, too, depends on how far behind you get. The average penalty APR on a credit card is 27.34%.

You can learn more from our Q&A on the different types of credit card interest rates.

Below, you can find a breakdown of average credit card interest rates for key segments of the market, along with additional information about how credit card interest works and how to avoid it.

Note: The current averages shown reflect regular APRs for new credit card offers in August 2026, except for the average for all existing accounts, which is from May 2026 due to data limitations.

Learn more about the current credit card landscape, including average credit card interest rates.

You can also check out our historical credit card interest rates page if you’re interested in seeing how current rates compare to rates from the past.

*(V) stands for Variable Rates

For some added context and commentary, check out the Q&As listed below.

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• Wells Fargo Reflect® Card: Winner
• Citi Simplicity® Card: Low Intro Rate for Balance Transfers
• Wells Fargo Active Cash® Card: Low Intro Rate with Cash Rewards
• Discover it® Miles: Low Intro Rate with Travel Rewards
• CoreFirst Bank & Trust Visa Platinum Card: Low Interest Rate (Ongoing)
• First Federal Community Bank Business Zero+ Card: Business

You can check out our review of the best low interest credit cards to learn more.

There are four main cases in which your credit card interest rate might change. You have control over some of them, but others are totally out of your hands. Here are the cases in which they can change:

1. Your introductory rate expires. It’s great to get a low introductory APR, especially if it’s 0%. But these rates only last a certain number of months, usually 6-24, before the regular APR kicks in.
2. You have a variable rate. This means your rate is tied to an index, usually the prime rate that banks use to lend to their most creditworthy customers. As the market fluctuates and that rate changes, so will your card’s interest rate. You’ll know your card’s rate is variable if you see a (V) next to it. Most cards have variable rates, but some have fixed rates not tied to an index.
3. You trigger the penalty APR. The penalty APR is higher than your regular APR and can be applied when you miss a payment. It can apply to future purchases after. You can only regain your regular APR on existing balances by paying on time for six months. Your issuer may or may not ever lower your APR on new purchases.
4. Your issuer changes the rate. A credit card company can change your interest rate for future purchases at pretty much any time, for pretty much any reason. They’re required by law to give you 45-days’ notice, though.

The best way to get a lower credit card APR is to get a new credit card with a lower rate than your current card. If you already owe a balance on your current credit card, you could transfer that balance to a card with a low introductory balance transfer APR. Or, if you’re planning a big purchase, you could get a new card with a 0% intro APR on purchases.

Low interest credit cards usually require good or excellent credit for approval, however. If you have a lower score, you should focus on improving it before you apply.

Learn more about how to get a lower credit card interest rate.

A credit card’s APR will be listed on your online account and monthly statements, so you won’t have to calculate the rate itself. If you want to calculate the interest charges you may incur on a credit card, use a free credit card interest calculator.

You can also find more information in the following FAQs.

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WalletHub invited a panel of experts to share their thoughts on the following questions about credit card interest rates. You can see who they are and what advice they had to share below. Just click “Read More” under an expert’s name and title to check out their comments.

1. Do you have any tips for avoiding interest charges on credit cards? 2. How high could credit card interest rates get? 3. Why do store credit cards have such high interest rates?

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• Asghar Sabbaghi Ph.D., Alyce DeCosta and Walter E. Heller Professor of Finance and Information Systems - Heller College of Business - Roosevelt University
• Lynda Palmer Practitioner Instructor of Marketing and Director of Education to Business (E2B) Program – Pepperdine University, Graziadio Business School
• H. Kent Baker Ph.D., University Professor of Finance – American University, Kogod School of Business
• Beth Hunsaker MS, AFC®, Associate Director, Financial Wellness Center, Associate Instructor, Family and Consumer Studies, University of Utah
• Eren Cifci Assistant Professor of Finance, Department of Accounting, Finance, and Economics - College of Business - Austin Peay State University
• Tammie Lang Ed.D. – Adjunct Faculty – Nebraska Wesleyan University