Many auto insurance companies offer great rates and discounts for veterans, as well as active Armed Forces members. USAA sits at the top of the hill for providing car insurance for veterans, but there are plenty of other choices as well.

What are the best car insurance companies for veterans?

The best car insurance companies for veterans and current military members give a combination of cost, customer satisfaction and policy offerings. Our research shows the following companies offer the best claims resolution and satisfaction.

Best auto insurance claims satisfaction
Company J.D. Power satisfaction rating
USAA 890
State Farm 881
Progressive 856
Allstate 876
Source: J.D. Power 2020 U.S. Auto Claims Satisfaction Study

These companies all have excellent claims satisfaction ratings in J.D. Power's 2020 auto claims satisfaction study, based on a 1,000-point scale. A higher rating indicates greater customer satisfaction with an insurer's claims resolution process.

USAA frequently maintains a top spot in the ranking and is often considered the "best of the best" in the auto insurance industry. It should be noted that while the other companies in the table above provide auto insurance to both military and civilian customers, USAA is only available to Armed Forces members.

Another reason why these companies do well with members of the military are the various policy benefits they offer to their customers:


USAA offers insurance specifically for veterans and military members. Furthermore, USAA offers military overseas insurance to help maintain car insurance coverage in other countries.

USAA is only available to current or retired military personnel and their families, but this qualification includes:

  • Active, retired and honorably discharged members of Army, Navy, Air Force, Marines, Coast Guard, National Guard and Reserved.
  • ROTC and military academy students.
  • Spouses and children of current or retired military members who previously had USAA.
  • Family, including widows, widowers and former spouses who had USAA insurance while married; also children whose parents are either current or previous USAA policyholders.


GEICO employs military veterans in its military insurance support division. This helps create a better sense of empathy and understanding with its veteran policyholders' needs. For current military members, GEICO offers overseas auto insurance policies. If you're deploying internationally, GEICO may be able to help with collision and comprehensive coverages, and rental vehicle insurance. It may even be able to help ship your car.

Which company has the cheapest car insurance for military veterans?

USAA has the cheapest average minimum auto insurance rates for vets, at $387 a year. GEICO follows with $506 a year, and State Farm comes in with $556 a year. All three fall under the average car insurance rate of $641 per year for minimum coverage.

Average costs of auto insurance for veterans

Company Average annual rate (minimum coverage) Average annual rate (full coverage)
U.S. average $641 $1,255
USAA $387 $795
GEICO $506 $1,036
State Farm $556 $1,034
Progressive $673 $1,226
Allstate $734 $1,653
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Your final annual auto insurance premium also depends on other factors, such as the car you drive, your personal driving history, and the coverage types and limits you choose. The best way to find which auto insurance company will work best for you is to compare multiple auto insurance quotes from many providers.

Auto insurance discounts for military members

Many car insurance companies offer car insurance discounts for veterans and current military members. The exact amount of the discount may vary from provider to provider, and may differ depending on the state your car is registered in.

If you keep a clean, accident-free driving record for more than five years, USAA offers a safe driver discount. USAA offers up to 15% off comprehensive car insurance if you store your car in a military base. It also offers up to 60% off your auto insurance premium for a garaged car.

GEICO provides up to 15% off annual auto insurance premiums for both veteran and active duty military members. Furthermore, GEICO offers its discount to members of military organizations including:

  • Association of the United States Army
  • Fleet Reserve Association
  • Armed Forces Benefit Association
  • Navy League of the United States
  • Navy Federal Credit Union
  • American Society of Military Comptrollers

Like USAA, GEICO also has an emergency deployment discount. However, GEICO's discount is much more limited than USAA's. GEICO's discount is confined to deployment to an imminent danger pay area, as defined by the Department of Defense. This is more limited than the USAA discount because not all areas of deployment are classified as imminent danger pay areas.

Companies including State Farm, Progressive and Farmers provide varying discounts for military members in different states. With any auto insurance provider you choose, you should talk to them about reducing your liability auto insurance coverage while it's garaged if you're deployed. This may save you money while you're away.


The average rates used in this article are based on thousands of quotes for full coverage in random national ZIP codes for a 35-year-old, single male who is employed and has a bachelor's degree. He drives a 2012 Honda Accord LX with an annual mileage of 16,000 miles. The driver has excellent credit and no accidents. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.