Short-term auto insurance can be challenging to find. Get temporary coverage the right way — straight from an expert.
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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.
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.
|Insurance Company||Average 6-Month Rate||Average Monthly Rate|
|Nevada State Average — All Companies||$987||$164|
|Capital Insurance Group||$444||$74|
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.
|Location||Average 6-Month Rate||Average Monthly Rate|
|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.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.