We conducted a small study where we took a sample 30-year-old male driver, and obtained auto insurance quotes for him based on excellent, good, fair, bad and poor credit scores. We considered drivers in both New York City and Salt Lake City. What we found was quite staggering. In Salt Lake City, a premium was nearly twice as expensive for someone with poor credit (below 500) than someone with excellent credit (above 720). The quotes from New York followed the same pattern. Based on these findings, having a bad credit score affected our driver more than having a DUI on his record.