Car Insurance for Military Personnel and Veterans

Advertiser Disclosure

Veterans and military personnel receive benefits and perks in exchange for their service to our country. Unfortunately, many people choose not to take advantage of those benefits.

You can get free meals on Veteran’s Day and college subsidies, sure — there are some things everyone knows about. However, did you know that as an active or former member of the armed forces, you might also be eligible for veteran or military car insurance at special discounted rates? Here’s the lowdown on military auto insurance policies and discounts.

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The best car insurance companies for military personnel and veterans

USAA

USAA is almost always your best bet for military car insurance.

United Services Automobile Association is basically AAA for service members. As such, USAA is going to be the most attuned to your lifestyle and needs and will be able to offer you not just the best rate, but the best policy for your situation.

If you’re unfamiliar with USAA, get to know this insurance provider. In addition to auto insurance, USAA offers insurance products like life insurance, banking and investment services with active duty military personnel in mind. Not active duty? Don’t worry. Veterans and their immediate family members are also eligible for USAA products.

If you live on base or live near a base where you can garage your vehicle, you’re going to get up to 15% off because of the significantly lower chances of your car being stolen when it’s stored on a military base. If you go on deployment, you’re going to get a discount of up to 90% — that’s not a typo — on your auto insurance premiums. USAA also offers inexpensive insurance for veterans.

Other reasons to join USAA include:

  • USAA is frequently rated among the best insurers for customer service, according to J.D. Power and Associates.
  • USAA offers banking options that are almost certainly better than the big, for-profit bank you’re using now, including free ATM usage. USAA even refunds the fees other banks charge you.
  • Its credit cards typically rank well compared to other cards.
  • You can get virtually any kind of insurance from USAA, allowing you to bundle everything under one roof.
  • Saving for retirement? USAA can help you out with salaried advisors who aren’t making a dime off your individual transactions. If there’s a retirement product, USAA offers it.
  • All the standard online and mobile services you’re used to are offered through USAA.
  • The rates for loans, from mortgages to auto loans, are highly competitive.

Geico

Geico offers a sizeable military discount.

Geico offers up to a 15% discount on your total insurance premium if you’re currently in or retired from the military, comparable to offerings by USAA. Geico also offers an emergency deployment discount if you’re deployed to imminent danger pay areas. You can receive this discount under the following conditions:

  • You have received orders to one of the DOD designated areas
  • Your vehicle is stored under one of our approved storage protection plans

In addition, Geico offers military car insurance discounts to members of these professional associations and organizations:

  • Association of the United States Army (AUSA)
  • Fleet Reserve Association (FRA)
  • Armed Forces Benefit Association (AFBA)
  • Navy League of the United States (NLUS)
  • Navy Federal Credit Union (NFCU)
  • American Society of Military Comptrollers (ASMC)

Other car insurance companies offering military discount

While Geico and USAA offer excellent military insurance options, they aren’t the only possibilities:

  • Armed Forces Insurance: AFI offers similar coverage to USAA, covering active-duty and retired military and their families. Because this company is committed to covering military personnel, the discount is technically part of the membership.
  • Liberty Mutual: Liberty Mutual offers a military discount to individuals who are active, retired or reserved in the U.S. Armed Forces.

Why do military personnel receive different car insurance rates?

One word: deployment. If you’re deployed overseas, you’re going to store your car while you’re gone, which means the vehicle will be unused for months on end. That comes with a significantly smaller chance that you’re going to crash the car or that it will be damaged or stolen.

If you plan to store your car during deployment, consider storage coverage. This removes all coverage except your comprehensive coverage, which will protect your vehicle if it’s vandalized, stolen or damaged by weather. Storage coverage can lower your car insurance premium by as much as 90%, depending on where you store your car. If your insurance company doesn’t offer this coverage, you may want to consider other providers.

Besides the fact that military personnel may use their vehicles less, military personnel and veterans also receive discounts from some companies as a way to thank these men and women for their service.

Tips for saving money on military car insurance

Always shop around for military car insurance rates. Even though USAA is designed with the military in mind, it’s still good to shop around with more car insurance companies to make sure that you’re getting the best deal possible. For example, USAA’s motorcycle insurance rates aren’t the best out there. Still, for most active and former military personnel — especially for those who are on deployment — it’s going to be hard to beat what USAA offers, both in terms of rates and service.

See what else is out there, but remember that USAA exists specifically for families just like yours. You can compare rates and get quotes from competing companies using our car insurance tool.

You might also be able to save more money with the following techniques:

  • Ask about multi-policy discounts: There are plenty of ways to save money on car insurance that aren’t necessarily considered military-specific. Ask your current auto insurance provider or ask other companies you’re interested in  about possible discounts if you insure more than one vehicle under the same policy or if you bundle insurance policies. For example, you can save money if you get auto insurance and homeowners insurance with the same company.
  • Ask for a higher deductible: If you have a higher deductible on your car insurance, you can lower your collision and comprehensive costs. Always make sure you can pay that deductible if you have to file a claim. However, if you’re storing your car while deployed, the chances of needing to file an auto insurance claim are low.
  • Ask about low mileage discounts. Your car insurance provider may offer low mileage discounts. If you’re storing your car, this discount could help you save big.

You might also want to ask about other potential discounts as they apply to your situation, such as considering good student discounts if you have a teenager or young adult in your family.

Frequently asked questions

Is USAA car insurance only for military personnel?

No. While USAA heavily markets itself as proudly serving the U.S. military, it has broadened its eligibility requirements to include regular civilians who are family members of service members.

Why is car insurance for veterans different?

As a veteran, you and your family members are eligible for certain veteran discounts offered by many auto insurance companies. The amount you can save will vary depending on your provider.

Where can I find the cheapest military car insurance rates?

This depends on a number of factors including your driving history and credit score. However, USAA and Geico generally offer the best discounts for military.

What are my options for military auto insurance discounts?

Many auto insurance providers offer military and veteran-specific discounts. However, take advantage of discounts that aren’t necessarily military-specific, like low mileage discounts that are perfect if you’re storing your car while on deployment. 

Find the Best Car Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.