Credit-based Insurance Scores and not the same as Credit Scores
Insurance companies use many factors to determine your insurance premium such as zip code, age of operators, make, model, age of your vehicle, etc. They also obtain an insurance score from one of the credit reporting companies. Information used is: payment history, outstanding debt, credit history length, pursuit of new credit, credit mix.
A credit based insurance score cannot uses personal information such as, race, color, national origin, religion, gender, marital status, age, income, occupation, etc.