Car Insurance with Bad Credit in Kentucky (2026)
Quick Answer
Bad credit in Kentucky increases car insurance by 62%, raising full coverage from $2,508/year to $4,063/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$209/mo
Poor Credit (1.62x)
$339/mo
Best Companies for Bad Credit in Kentucky
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $251/mo | $3,007/yr | Military families |
| Erie Insurance | $267/mo | $3,210/yr | Rate lock guarantee |
| GEICO | $278/mo | $3,332/yr | Clean driving record |
| Progressive | $298/mo | $3,575/yr | Telematics savings |
| State Farm | $308/mo | $3,697/yr | Good students |
| Travelers | $322/mo | $3,860/yr | Multiple discounts |
| Nationwide | $352/mo | $4,226/yr | Bundling home + auto |
| Farmers | $366/mo | $4,388/yr | Signal telematics |
| Allstate | $379/mo | $4,551/yr | Accident forgiveness |
| Liberty Mutual | $400/mo | $4,794/yr | New car replacement |
USAACheapest
Monthly
$251/mo
Annual
$3,007/yr
Best for: Military families
Erie Insurance
Monthly
$267/mo
Annual
$3,210/yr
Best for: Rate lock guarantee
GEICO
Monthly
$278/mo
Annual
$3,332/yr
Best for: Clean driving record
Progressive
Monthly
$298/mo
Annual
$3,575/yr
Best for: Telematics savings
State Farm
Monthly
$308/mo
Annual
$3,697/yr
Best for: Good students
Travelers
Monthly
$322/mo
Annual
$3,860/yr
Best for: Multiple discounts
Nationwide
Monthly
$352/mo
Annual
$4,226/yr
Best for: Bundling home + auto
Farmers
Monthly
$366/mo
Annual
$4,388/yr
Best for: Signal telematics
Allstate
Monthly
$379/mo
Annual
$4,551/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$400/mo
Annual
$4,794/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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