If you're seeking a creative approach to car insurance coverage, you could be interested in a temporary auto insurance policy. But short-term car insurance contracts are hard to come by for a few different reasons.
Many large car insurers will not offer contracts shorter than half a year. Since car insurance is required by law in every state but one, it can be risky to jump between policies. Additionally, you risk having gaps in your car insurance history by swapping policies frequently, resulting in more expensive rates in the long run.
Thankfully, car insurance policies usually last for only six months. This short duration allows insurance companies to re-rate — or re-price — your premium based on your updated driving history and demographics.
The six-month mark also serves as the perfect opportunity to improve your situation by getting quotes from other insurers. Comparing prices via The Zebra is easy and complimentary, and there is no penalty for trading car insurance companies when your policy ends — or even mid-policy, as long as your coverage doesn't lapse.
The flexible nature of car insurance makes it relatively easy to buy with little notice. If you need a policy to drive your new vehicle off of the lot, attempting to get coverage for a long-term auto rental or searching for coverage for a car you don't own but drive often, consider purchasing a half-year policy and removing coverage as needed.
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Short-term insurance in Nevada
Below are normal car insurance prices in Nevada, organized by popular insurers and cities. If your costs exceed the rates listed below, consider shopping around.
TEMPORARY AUTO INSURANCE RATES IN NEVADA — BY INSURER
| Insurance Company | Average 6-Month Rate | Average Monthly Rate |
| Nevada State Average — All Companies | $987 | $164 |
| Capital Insurance Group | $444 | $74 |
| USAA | $672 | $112 |
| Progressive | $680 | $113 |
| Allied | $726 | $121 |
| GEICO | $736 | $123 |
The most budget-friendly option for single-month car insurance in Nevada is Capital Insurance Group, with whom you can save $38 per month, compared to the next-cheapest choice, USAA. In Nevada, the average monthly cost of car insurance is $164, or $987 over a biannual period.
Where you live can have as large an effect on your car insurance rates as the insurance company you choose. Auto insurance companies weigh the density and likelihood of a claim being filed when rating policies by ZIP code. View insurance prices in the largest Nevada cities and compare how much you pay.
TEMPORARY AUTO INSURANCE RATES IN NEVADA — BY CITY
| Location | Average 6-Month Rate | Average Monthly Rate |
| Las Vegas | $1,320 | $220 |
| Henderson | $1,156 | $193 |
| Reno | $867 | $144 |
| Paradise | $1,378 | $121 |
| North Las Vegas | $1,270 | $212 |
Because so many factors are involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don’t align with those listed above, take a moment to shop around. The short-term timetable of an auto insurance contract adds to the importance of staying informed and ready to shop.
Find out more about temporary auto insurance or use The Zebra to compare quotes for free today.
Additional resources
- Learn more about weekend-only car insurance.
- Is it possible to get car insurance with no credit history?
- Check out the best car insurance options for teen drivers.
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