Car Insurance for Veterans and Active-Duty Military

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As a member of the military, you have enough to worry about without adding car insurance to the mix. That’s why both veteran and active-duty military personnel receive special perks and benefits from many large insurance providers in thanks for their service. Many companies like USAA and Geico have exclusive savings and discounts for the special coverage that you need. These discounts can make a huge difference on your total auto premium.

Whether you’re retired at home or active-duty and deployed abroad, this is what you need to know about military car insurance.

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The best car insurance companies for veterans and military members

Military Insurance Discount
USAA Family discounts, reduced interest rates on credit cards, military installation
Geico Up to 15% off total insurance premium


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

United Services Automobile Association is basically AAA for service members. As such, USAA discounts will likely 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 discounts for the military, 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 could get a discount of up to 90% — no, that’s not a typo — on your auto insurance premiums. USAA also offers inexpensive insurance for veterans.

Other reasons to join USAA include:

  • USAA offers banking options that are almost certainly better than a big, for-profit bank, 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.
  • From mortgages to auto loans, the rates for loans are highly competitive.


Geico offers a sizable armed forces insurance discount.

You can receive up to 15% off 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 a 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.

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.

You can also 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.

International considerations

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.

Non-owner option

Many active duty military members forego car ownership in consideration of their busy travel schedules, instead opting to simply rent or borrow a car when they need one. Even if you don’t own a car, you will still need car insurance if you drive. Non-owner insurance is a great option for armed forces auto policies, because it ensures you’re covered no matter what you drive.

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 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 the 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.


We looked to the experts to determine the best auto discounts for armed forces insurance and veterans insurance. Using ratings from top industry experts, we examined the 2019 J.D. Power Auto Satisfaction Study, as well as thousands of real customer reviews from the National Association of Insurance Commissions (NAIC), Consumer Reports and the Better Business Bureau (BBB).

Nicholas Pell
Nicholas Pell
Contributing Writer

Nicholas Pell is a freelance personal finance writer specializing in student loans, consumer credit and living a champagne life on a Kool-Aid budget. In addition to The Simple Dollar, he's written for Business Insider, Fox Business, WiseBread and MainStreet.