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Kentucky Car Insurance for Bad Credit Drivers

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Joe Dyton

By: Joe Dyton

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Kentucky (2022)

For drivers with bad credit in Kentucky, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Kentucky. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Kentucky.

Bad Credit Car Insurance in Kentucky

A poor credit score can negatively impact your financial future, especially when it comes time to apply for a car loan or mortgage. Did you also know that bad credit can lead to you paying more for car insurance? There are a few states that prohibit car insurance companies from considering a person's credit score when determining their rate, but Kentucky is not one of them. But a low credit score does not mean you'll be denied car insurance. You just might end up paying a higher insurance premium.

Fortunately, car insurance credit checks in Kentucky are considered "soft inquiries" and won't impact your credit score.

Kentucky Car Insurance Rates for Bad Credit Drivers

Excellent
$219
Good
$237
Average
$243
Poor
$270

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Kentucky?

Drivers with bad credit pay 13 percent more than average for car insurance in Kentucky. Insurers will use factors like your payment history and total debt to determine your insurance credit score, and in turn your risk level. Insurers want to assess risk to see how likely you are to file a claim in the future. Your credit-based insurance score is just one item companies look at to determine your rate, though. Your driving record and claims history will also be factored into your rate.

Avg. Monthly Cost - for Drivers with Good Credit
$239
Avg. Monthly Cost - for Drivers with Bad Credit
$269
$30 ▴
12.55% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Kentucky?

It's possible to get car insurance without a credit check in Kentucky. But just like having bad credit, insuring your vehicle this way can be costly. The reason many car insurance companies run credit checks is to help determine how much risk they're taking on by insuring someone. Without the credit check, the risk assessment is somewhat incomplete, so the insurer will charge a higher premium to compensate for that missing information.

You can avoid the credit check process with certain insurance companies in Kentucky, just know you might be paying more for coverage. Be sure to check out some standard insurers on your search, too. You might not want to deal with a credit check, but it might be worth it if you can save some money.

Kentucky Car Insurance Rates by Credit Tier

How much Kentucky drivers pay for their insurance lines up with their respective credit tiers. Drivers in the excellent credit tier in Kentucky are on the lower end of average monthly costs, with a $219 payment. There isn't much of a separation between Kentucky drivers with good or average credit, however. Drivers in the average tier pay just $6 more per month.

There are a number of reasons to maintain good credit, but the $51 difference between what Kentucky drivers with excellent credit and poor credit pay for car insurance is another critical one.

Credit TierAvg. Monthly Cost
Excellent$219
Good$237
Average$243
Poor$270

Car Insurance Rates With Bad Credit in Kentucky Cities

If you have bad credit, where you live in Kentucky will be key in how much you pay for car insurance. Kentucky drivers with bad credit in Owensboro pay $186 a month for car insurance, while those in Louisville, one of the state's most well-known cities, pay on average more than $350 per month.

CityCredit TierAvg. Monthly Cost
LouisvillePoor$358
LexingtonPoor$229
Bowling GreenPoor$247
OwensboroPoor$186
PaducahPoor$252
RichmondPoor$231

Tips for Researching Bad Credit Kentucky Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Kentucky draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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FAQs - Kentucky Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Kentucky. Insurify analyzed the latest data for the five most populous cities in Kentucky to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Kentucky and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Joe Dyton
Joe Dyton

Content Writer at Insurify

Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.

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