Temporary Car Insurance in Nevada: What You Need to Know (2024)

A normal car insurance policy in Nevada lasts for six months. COUNTRY Financial provides the cheapest six-month policies in Nevada.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Featured in

media logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated April 17, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Short-term car insurance, also called temporary auto insurance, can be challenging to secure in Nevada. Finding temporary auto insurance in Nevada is doable, but you may need to do some extra research to find a company willing to offer a short-term car insurance policy since most terms are at least six months.

The average cost of a liability insurance policy in Nevada is $191 per month, but here’s what you need to know about finding short-term policies and comparing rates in the Silver State.

Quick Facts
  • Nevada doesn’t have a grace period policy for driving without insurance.[1]

  • If you drive without car insurance in Nevada, you can face $250 to $1,750 in fines.[1]

  • Nevada drivers can buy liability coverage for as short as three days with car insurance company Hugo.

Is temporary car insurance available in Nevada?

Most car insurers don’t offer car insurance policies for less than six-month terms. Temporary car insurance policies are more expensive to underwrite — if you file a claim, chances are you haven’t paid enough car insurance premiums to balance out the cost of the claim.

If you need car insurance coverage for less than six months in Nevada, you have some options. But which coverage type is right for you depends on the reason you need temporary car insurance coverage. You can also work with an insurance agent to help you find the right insurance products for your needs.

Good to Know

Hugo is a car insurance company that specializes in short-term coverage. Eligible drivers can purchase coverage from Hugo for as little as three days at a time and turn their insurance on and off as needed.

Getting non-owner car insurance in Nevada

One option for getting temporary car insurance is buying a non-owner car insurance policy. Non-owner car insurance is for people who regularly drive vehicles they don’t own.

The difference between a non-owner and other policies is the scope of coverage. Non-owner insurance typically offers only liability coverage, paying for damages and injuries others sustain in an accident. 

On the other hand, a standard car insurance policy can have full coverage, providing liability insurance as well as comprehensive and collision insurance. Full coverage offers more protection for the driver, their vehicle, and others involved in an accident. Typically, a non-owner policy only lasts for six months to a year and can be more affordable than other types of policies.

Someone might need non-owner car insurance if they frequently rent vehicles and want more coverage beyond what rental agencies offer. It could also benefit drivers who borrow cars regularly from friends or family and want additional liability coverage beyond the owner’s policy. This temporary coverage can also come in handy for people who want to maintain a continuous insurance history.

Canceling your policy early in Nevada

If you’re struggling to find a temporary car insurance policy that meets your needs, you aren’t tied to it. You can buy a standard policy and then cancel it if you’re unhappy with your coverage options or premiums.

To cancel car insurance, you need to contact your insurance company, either by phone, online, or through written notice to request the cancellation. Your insurer may require specific information, like your policy number, effective date of cancellation, and a reason for ending the coverage.

After canceling, it’s important to purchase a new policy promptly to comply with legal requirements if you plan to keep driving your car.

Driving while uninsured can result in severe penalties in Nevada, a state that requires minimum liability insurance coverage. The state doesn’t allow any grace periods, which means even lapsing in coverage for one day can result in penalties.

Nevada enforces a system of fees and fines from $250 to $1,750, depending on how long you go without coverage. You also risk vehicle registration suspension.

Can You Reinstate a Canceled Car Insurance Policy?

Can You Reinstate a Canceled Car Insurance Policy?

Getting car insurance for a rental car in Nevada

When renting a car, you can typically get coverage through the rental car company by purchasing its insurance options. However, double-check if you already have coverage through your current car insurance company or your credit card so you don’t overspend for duplicate coverage.[2]

Your personal car insurance policy might extend coverage to the rental car, but check your policy details beforehand, as coverage can vary. Some credit cards also offer rental car insurance as a cardholder benefit. However, to get this coverage, you usually need to book the rental car with the card. It’s always a good idea to confirm coverage specifics with both your insurance company and credit card issuer before declining coverage from the rental agency.

Find Car Insurance in Nevada

Liability-only rates start at $37 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
Shopper Approved
ProgressiveLiberty MutualTravelers

Best car insurance companies for short-term car insurance in Nevada

Want to find cheap temporary car insurance in the Silver State? It’s helpful to get quotes from a handful of different Nevada auto insurance companies to see which can offer you coverage for the lowest rate.

This table breaks down the cheapest six-month car insurance policies in Nevada.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly QuoteIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
COUNTRY Financial374.2
State Farm544.5
Midvale Home & Auto1313.7
Sun Coast1730.0
Liberty Mutual1833.8
American Family1854.3
Bristol West3072.2
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance for students in Nevada

If a student moves to Nevada for college and plans to drive their car, they typically need to update their insurance policy to reflect their new location. They should inform their insurance company about the change in address and usage to ensure proper coverage while in Nevada. It’s essential to update this information to comply with state regulations and have adequate coverage.

Student drivers may decide to not bring their car to college but still need car insurance coverage when they’re home from school. Parents with children who move to college and won’t be driving their car while away might be able to adjust their policy accordingly. They can inform their insurance company about the change in the child’s status as a non-driver.

Temporary car insurance in Nevada FAQs

Here’s how to get one-day car insurance coverage and the answers to common questions about temporary auto coverage in Nevada below.

  • Can you get temporary insurance in Nevada?

    Typical car insurance policies last for six months or longer. Drivers looking for shorter coverage might explore non-traditional options like non-owner car insurance, which provides liability coverage for people who don’t own a vehicle. You can also consider Hugo, an online car insurance company that offers liability policies for as short as three days at a time.

  • Is temporary car insurance legit?

    Temporary car insurance is legitimate and available in certain situations, though it’s much less common than standard policies.

  • Can you drive a car without insurance if you just bought it in Nevada?

    In Nevada, you can’t drive a car you just bought without the proper coverage. If you do, you risk facing major penalties up to $1,750. Nevada has no grace period, which means you must have insurance before driving your new car.[1]

  • How long can you be without car insurance in Nevada?

    You can’t drive a car without proper insurance coverage for even a single day in Nevada without risking very expensive fines — especially if you’re a repeat offender.[1]


Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.


  1. Nevada Department of Motor Vehicle. "Insurance."
  2. III. "Rental car insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all