In some states auto insurance companies are using credit score because there is correlation between insurance claims and credit score [1]. I guess you can establish "crash-free" and insurance claim correlation even more easier.

[1] https://www.forbes.com/advisor/car-insurance/auto-insurance-...

Not some states but 94% of the states, according to your link.

Looks like that article may be out of date, according to experian [1] 4 states completely disallow using credit scores to set auto insurance rates, and 3 more restrict it. However, this is still significantly more than "some states"

[1] https://www.experian.com/blogs/ask-experian/which-states-pro...

Credit score is correlated with personality traits such as conscientiousness, risk-taking, etc, which in turn influence driving safety

While this may be true I always assumed the strongest reason for including this in insurance quotations was the lower risk of fraudulent claims from those with stronger finances.