Military personnel, veterans, and their families are eligible for exclusive discounts and lower auto insurance rates. Get quotes to save.
Military personnel and veterans might find some of the cheapest car insurance rates around. We found an average auto insurance quote for active military members to be as low as $39.75 monthly.
Military members, veterans and their families are eligible for exclusive discounts from multiple insurers, such as up to a 15% discount from GEICO. They are also eligible for coverage through USAA, an insurance provider only available to military personnel and their families.
Whether you are an active-duty military member or a retired or disabled veteran, shopping around for car insurance is a great way to save on premiums. In some cases, car insurance companies that don’t explicitly offer military and veteran discounts still might offer the most competitive rates for you.
In this article, we’ll touch on:
The best auto insurance companies for members of the military and veterans not only offer good prices, but also have good customer service. In our research, we found that the following companies offer competitive prices, good customer service and services tailored to military members and veterans:
According to the National Association of Insurance Commissioners, State Farm has the fewest complaints relative to the other five companies that have competitive rates for military members and veterans.
Having a complaint index score below 1.0 means an auto insurer has relatively low customer complaints. Having a score above 1.0 means an insurer has more complaints than the average for an insurer of comparable size. USAA and Esurance have slightly higher-than-average complaint scores, but they are not alarmingly high. All five of these insurers have good to great customer service, according to these metrics.
Across almost all regions, USAA has the highest customer satisfaction index rating, according to J.D. Power’s survey, and is rated consistently as “among the best”, with a five-out-of-five J.D. Power Circle Rating. All six cheapest auto insurers for military members and veterans have customer satisfaction scores above the national average.
USAA, GEICO, Esurance and Progressive are among car insurance companies that seem to understand the unique circumstances military families might face. These auto insurance companies offer discounts and accommodating cancellation policies for military members who are deployed.
GEICO employs veterans in its military insurance support team to understand the unique circumstances of the military.
GEICO offers 12-month overseas auto policies, as well as additional coverage if you need to ship your car overseas.
USAA offers comprehensive guides and information on insurance for veterans and military members.
USAA offers military overseas insurance to help you continue your car insurance coverage in other countries.
|Progressive||Progressive does not penalize drivers for a lapse in coverage due to deployment. If you prove you are deployed and cancel your plan with Progressive, you are still eligible for their Continuous Insurance Discount when you return.|
|Esurance||Esurance has easy cancellations and reinstatement of policies for military members, and no fees associated with a policy canceled due to deployment.|
Although USAA offers competitive insurance rates exclusively to military members, veterans and their families, it doesn’t offer the cheapest prices across the board. No single auto insurance company will be cheapest for everyone. For example, we found that MetLife offers cheaper rates than USAA in Maine for our sample driver. Car insurance companies offer many discounts, so make sure to bundle as many discounts, such as safe driver and homeowners discounts, as you can. As a veteran or military personnel, you might save hundreds of dollars by gathering as many quotes as possible and finding the best car insurance policy for you.
We sampled six states with the highest shares of veteran populations and found the cheapest military auto insurance in each:
|State||Car insurance company||Monthly premium|
|Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. View our methodology here.|
As you can see, for our sample driver, there isn’t one clear winner across the states. By shopping around in Maine, for example, you might save 48% compared to the state average for military and veterans. And smaller providers might offer more competitive rates than the major companies listed above. For example, Loya Insurance was almost 11% cheaper than Allstate, the runner-up insurer in price in Texas.
Across these six states, the average annual auto insurance premium for our sample military driver was $1,565.
Many car insurance companies offer exclusive discounts for military and veterans. Military discounts for car insurance vary based on company and state, so make sure to shop around for military car insurance quotes. Smaller local providers may offer their own military discounts, and large auto insurance companies might only offer military discounts in certain states.
USAA and GEICO are the only two companies that offer explicit military and veterans auto insurance discounts across all states. Both offer competitive rates, with USAA offering better discounts for those actively deployed or on-base. Even with these military discounts for auto insurance, it is best to shop around for quotes to see which provider ends up being the cheapest.
USAA is only available to military personnel and their families. USAA offers highly competitive rates without a specific military discount to all of their customers.
If you’re deployed, USAA offers the cheapest way for you to maintain coverage for your stored car. If you’re deployed outside of the United States, you might want to minimize the amount you spend on car insurance during that time. You would want to avoid a lapse in auto insurance coverage since that can lead to steep price increases in premiums in the future.
USAA offers up to a 60% discount on auto insurance premiums if you are deployed and store your car. For example, if you pay $600 a year in premiums for USAA insurance and are deployed, you would then only pay $240 annually to keep your car insurance. While you do have the option to cancel or suspend your insurance entirely when deployed, you might end up paying more in the long run due to higher rates after a lapse in coverage. Your car would also not be covered for any damage done to it while uninsured.
GEICO offers a military and veterans discount of up to 15% to any active or retired military members and their families. GEICO’s military discount includes emergency deployment discounts for military members who are deployed to imminent danger pay areas defined by the Department of Defense (such as Iraq, Afghanistan and Libya, among others). This is a more limited benefit than that of USAA because not all deployment areas are considered imminent danger pay areas. Veterans should not worry about not having this benefit with GEICO since they would not be deployed.
As long as a military personnel or veteran is a named insured on an auto insurance policy, their spouse and dependents also receive a USAA discount for their service. And if current military members or veterans were once USAA customers, spouses and children are eligible for USAA coverage in the future, even if they have their own car insurance policy.
For all of the rates we gathered, our base driver profile was a 45-year-old married man in the Army with a clean driving history. The driver owns a 2012 Honda Accord and selects the minimum liability coverage required auto policy. Annually, the driver drives his vehicle 15,000 miles. We sampled rates from a comprehensive set of cities in Alaska, Montana, Illinois, Texas, Pennsylvania and Maine. Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
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