Your credit score represents your overall credit worthiness; predicting the likelihood of delinquency or non-payment of credit obligations. .
Your insurance score, on the other hand, is based on your credit score, but also includes other factors pertaining to your insurance history. For example, with auto insurance, information about age, gender, income, the number of car insurance claims made, Department of Motor Vehicles points, your timeliness of payments, etc. all factor into the equation that determines your score. Insurers use this score to determine whether you are a good risk to insure.