Short-Term Car Insurance in Nevada

The Zebra
Jan. 18, 2019

If you're looking for some flexibility as far as your car insurance is concerned, you could be interested in a temporary auto insurance policy. But short-term car insurance is uncommon for a few reasons.

Firstly, major insurance companies do not offer contracts for periods shorter than six months. As car insurance is legally required in most states, changing policies by the month can be a risky proposition. Additionally, you risk having gaps in your insurance record by making abrupt moves between policies, leading to higher prices in the long run.

Thankfully, auto insurance policies usually run for just six months. This short duration allows insurance companies to “re-rate” — or recalculate — your bill with your updated driving history and demographic info.


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The six-month mark also stands as the timely opportunity to evaluate your insurance situation by exploring the offerings of a new insurer. Retrieving rates via The Zebra is quick and complimentary, and there’s no penalty for switching auto insurance companies when a policy expires — or even mid-term, as long as you don't let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to find with little advance notice. If you're in need of an insurance policy to take a car off of the lot, shopping for a policy for a longer-term rental, or searching for insurance for a vehicle you don't own but regularly drive, think about purchasing a policy and cutting the agreement short as needed.

Temporary car insurance in Nevada

See below typical auto insurance prices in Nevada, organized by top insurers and cities. If your costs exceed the rates below, consider shopping around.


TEMPORARY CAR INSURANCE RATES IN NEVADA — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Nevada State Average — All Companies$843$140
USAA$617$103
GEICO$575$96
Progressive$751$125
American Family$808$135
State Farm$910$152

The most budget-friendly option for single-month auto insurance in Nevada is GEICO, which can save you $7 per month, compared to the next-best option, USAA. In Nevada, the average monthly price of car insurance is $140, or $843 over a six-month term.

Where you live can have as large an effect on your car insurance rates as your choice of insurance company. Car insurance companies take into account the frequency of claims in a given area when drafting prices by ZIP. Take a look at insurance premiums in major Nevada cities and compare the amount you’re paying.


TEMPORARY CAR INSURANCE PREMIUMS IN NEVADA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Las Vegas$956$159
Henderson$866$144
Reno$635$106
Paradise$1,011$135
North Las Vegas$932$155

If your rates exceed the above, take a moment to shop around. The short-term duration of an auto insurance policy enhances the importance of staying informed and ready to shop.

Learn more about temporary car insurance or use our search function to compare policies today.


Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.