Why does your credit score and not your driving record determine your insurance rates?

I'm not sure where you got that information, but it's incorrect. Your insurance rates are based on the age and cost of your car, your age, your location and your driving history. The insurance companies seem to think that if you pay your bills on time you are more responsible and therefore lower risk driver. * It doesn't. As noted your driving record, age, location, type of vehicle,what the vehicle is used for (school, private business, etc.) determines insurance rates.