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It can be tough to find cheap auto insurance with a poor credit rating. Car insurance companies use credit tier as a major rating factor, setting policy prices based in part on clients' credit histories. Because car insurers rely on data showing drivers with bad credit are more apt to file car insurance claims, they account for the extra risk by charging more expensive rates.
Your car insurance costs with bad credit depends on where you live, which insurance company you use, and a variety of other factors. See below average car insurance rates for drivers with bad credit in primary Kentucky cities, alongside rates from large car insurance companies, plus tips on how to save on car insurance if you have bad credit in Kentucky.
Drivers in Kentucky pay an average penalty of $2,647 annually for having a credit score at the low end of the scale. A driver in the "poor" or "below fair to poor" credit tiers will also face more costly-than-average auto insurance rates.
| Credit Tier | Average Annual Rate in Kentucky |
| Worst | $4,697 |
| Poor | $4,205 |
| Below Fair to Poor | $3,802 |
| Average — All Credit Tiers | $2,050 |
Your auto insurance rates will also depend on the specific area in which you drive. Insurers use your ZIP code to better understand how likely you are to file a claim: the denser and claim-prone your immediate area is, the more you'll pay.
Listed below are major Kentucky cities and their mean car insurance costs for those with bad credit.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Bowling Green | $3,515 | $3,149 | $2,841 |
| Owensboro | $3,456 | $3,097 | $2,791 |
| Covington | $3,655 | $3,273 | $2,962 |
| Hopkinsville | $3,589 | $3,211 | $2,902 |
| Richmond | $3,609 | $3,236 | $2,926 |
Another factor that contributes to your car insurance rate is the auto insurance company you choose. Every auto insurance company rates its policies in a different manner, giving rating factors varying weights in their pricing calculations. Credit history is often a primary price differentiator between otherwise-similar insurance companies. In Kentucky, the cheapest insurance company for a driver with bad credit is Safe Auto, which offers savings of $35 per year over the second-cheapest company, GEICO.
See below prices from major auto insurance companies in Kentucky for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit Tier |
| Safe Auto | $3,799 |
| GEICO | $3,834 |
| State Farm | $4,378 |
| Kentucky Farm Bureau | $4,625 |
| Shelter | $4,758 |
If you're finding car insurance with a low credit score, consider these tips: