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Nevada Car Insurance for Bad Credit Drivers

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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

For drivers with bad credit in Nevada, 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 Nevada. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Nevada.

Bad Credit Car Insurance in Nevada

Having bad credit can affect a lot of things in your life, including auto insurance rates. This is especially true for drivers who live in Nevada. On average, drivers with a poor credit history tend to pay much higher rates than drivers with good credit. While there really isn't any immediate way around having bad credit, there are still a few options available to Nevada drivers.

For example, the city in which you live can have a significant impact on how insurance providers view bad credit.

Nevada Car Insurance Rates for Bad Credit Drivers

Excellent
$285
Good
$318
Average
$320
Poor
$347

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 Nevada?

Insurance providers in Nevada tend to be a little more lenient when it comes to the impact of bad credit on premium rates. Drivers with poor credit pay almost nine percent more for auto insurance than drivers with a good credit rating.

The difference in total monthly premiums is a $25 increase. Depending on what insurance provider you go with, the difference in rates between good and bad credit may even be smaller than that.

Avg. Monthly Cost - for Drivers with Good Credit
$291
Avg. Monthly Cost - for Drivers with Bad Credit
$316
$25 ▴
8.59% ▴
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 Nevada?

It can be difficult to find an insurance provider in Nevada that will offer auto coverage without a credit check. Often, credit ratings are used as a factor when assigning a risk level to new customers. The worse the rating, the more likely the driver is to file a claim or not pay their monthly premium.

The news isn't all bad for those with a poor credit rating, though. There are several insurance companies throughout the state of Nevada that offer competitive rates for drivers who have had credit issues in the past.

Nevada Car Insurance Rates by Credit Tier

The credit tier you fall into could have a significant impact on your quoted rate. Drivers who are placed in the excellent credit tier often have the best rates, with average monthly costs of $285. Likewise, those in the poor credit tier have the highest premiums, with an average of $347 a month.

Credit TierAvg. Monthly Cost
Excellent$285
Good$318
Average$320
Poor$347

Car Insurance Rates With Bad Credit in Nevada Cities

Cities throughout Nevada tend to handle poor credit ratings differently when it comes to auto insurance rates. Reno offers a lower average monthly cost around $157, while Las Vegas has an average rate of $308.

CityCredit TierAvg. Monthly Cost
Las VegasPoor$308
RenoPoor$157
North Las VegasPoor$294
HendersonPoor$264

Tips for Researching Bad Credit Nevada Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Nevada 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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Nevada 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 Nevada. Insurify analyzed the latest data for the five most populous cities in Nevada 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 Nevada 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.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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