When you or a loved one signed up for the military, Uncle Sam guaranteed at least one thing. Change.

Switching to a new insurance company shouldn’t be a hassle. Active service members, veterans, and military families qualify for some of the most expansive car insurance savings in the country. Here’s our guide to best military car insurance deals, or you can start by comparing car insurance quotes at Insurify.

Best Car Insurance Companies for Military Personnel

Here are the best auto insurance providers for military members and their families, ordered by the expansiveness of discount opportunities.


USAA should be on the top of your list if you’re an active-duty service member or facing deployment. The company has an almost legendary level of service and insurance options tailored to military families. USAA combines excellent customer communication with cheap rates, and it’s no wonder that millions of families nationwide choose USAA.

J.D. Power & Associates gives USAA a 5 out of 5 rating in its most recent auto insurance study for customer satisfaction. Customers value USAA’s ability to get things done online, the ease of filing a claim, and the flexibility the policies offer military families.

USAA only gives policies to service members and their families, so it doesn’t have a specific military discount. You can save up to 15 percent if you keep your vehicle at a military base. The company can reduce your rate up to 60 percent when you keep your car insurance policy during deployment. Combine these savings with the already low prices, and USAA often beats the competition.

Who is eligible for car insurance with USAA?

According to its website: 

  • Active-Duty, Guard, or Reserve. Individuals who are currently serving in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves.
  • Veterans. Those who have retired or separated from the U.S. military with an Honorable discharge.
  • Eligible Family. Widows, widowers, and un-remarried former spouses of USAA members who joined USAA before or during the marriage; and adult children whose parents have joined USAA.
  • Cadets and Midshipmen. Cadets and midshipmen at U.S. service academies or affiliated academy preparatory schools, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning.


GEICO should also be an option you check, especially if you’re retired or not being deployed. Active-duty military personnel should comparison shop, too. The company’s rates can compete with USAA because of its savings for good drivers, safety features, and even buying a new vehicle. Add that to a 15 percent discount for military service, regardless of status. You can also receive that price break if you’re a member of the following organizations:

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

When you compare GEICO to USAA, note that the former only gives a 25 percent discount on your premium for deployment as opposed to 60 percent with the latter. Also, you must be deployed to a place with “imminent danger,” so if you get sent to a place like Germany, you won’t get the discount with GEICO. It’s worth mentioning that GEICO got a 3 out of 5 on overall customer satisfaction from J.D. Power, which puts it about average with other providers.

Progressive and Esurance

Neither Progressive nor Esurance give a specific discount for members of the military. But they offer competitive prices and no penalty for deployment. So, you will qualify for continuous insurance discounts even if you’ve had a gap in coverage while overseas.

Cheapest Military Auto Insurance Quotes

A PCS Move to another part of the country might give you some different insurance providers to consider. Sometimes smaller regional or even state-specific providers can have cheap car insurance quotes.

Insurance CompanyLowest Rate
Bristol West$31/month

Most Expensive Military Auto Insurance Quotes 

There’s no need to embrace the suck on these prices. Use this table as a means of due diligence on some companies that heavily advertise but may not meet the needs of military families.

Insurance CompanyLowest Rate
The General$60/month
Direct Auto$57/month

Best Military Auto Insurance Discounts

Driver discounts usually fit into five categories:

  • Affiliations. This is a membership in an association, select group, or club.
  • Carrier Loyalty. Insurance providers love when you bundle, so adding a homeowners, renters, or life insurance policy can bring significant savings. 
  • Driving Habits and History. Accident-free or good driver discounts are classic examples.
  • Driving Education. ROTC, cadets, and other students will be happy to know that good grades and driving courses can reduce their rates.
  • Vehicle Features. Advanced safety features such as passive restraint (automatic seatbelts) or daytime running lights, anti-theft systems, and even the newness of the vehicle can all give you discounts.

You can save up to the following percentages on your premium with these discounts:

Military Members vs. Other Drivers: Who Pays More? 

It’s true insurance providers give some of their lowest rates to members of the armed services. Just because you pay less than that other driver doesn’t necessarily make him a soup sandwich.

Best Car Insurance Companies for Veterans

Civilian life after active duty can often be a mixed blessing. No need to add stress as you make the shift. You can learn more about car insurance for veterans here.

Car Insurance Tips for Active Duty Military Members and Families

No matter which insurance company you choose, make sure you always tell it about significant life transitions. Deployment, PCS moves, and family changes can all impact your rate. Providers such as USAA and GEICO tailor their flexible offerings to meet the needs of military families.

Commuting/Driving Tips:

  • If you plan to take your car out of vehicle storage and drive while on leave, then you must activate your policy, so you’re not driving uninsured.
  • Higher deductibles on your comprehensive and collision insurance coverage lead to lower prices, so go as high as you can afford to pay in the event of an accident.
  • Service members who plan to rent a car or borrow one from friends or family should consider a non-owner auto insurance policy. The policies are cheaper than standard ones, but you can’t buy them when you cohabit with the car’s owner.
  • If you want to take your car with you, USAA, GEICO, and other companies offer international coverage to protect your vehicle while it’s shipped overseas, and when you drive it in a foreign country.

Living Situation: 

  • If you’re being deployed, alert your insurance company. Your insurer can suspend or cancel the policy, depending on the time. And it may not count as a lapse in coverage.
  • If your loved one is being deployed, then you might want to remove the person from the auto policy altogether to lower your price.
  • You should factor in the location of your home and workplace. Crime rates, population density, and even the weather can all affect insurance rates. 
  • All people in your household, such as family members, friends, and roommates, must be on your policy or excluded from it. 
  • You can often save when you combine policies with a spouse or other household members and take advantage of multi-vehicle or multi-policy discounts.

Buying a Car:

  • Most used cars have airbags and antilock brakes, but you also save for advanced safety features like passive restraints on newer vehicles.
  • Consider the comprehensive coverage and collision coverage “10 percent” rule of thumb. If the yearly premium costs over 10 percent of the value of the car, then you might think about buying liability only. For example, paying more than $500 a year in extra premium to protect a $5,000 car may not be worth it. If you could easily replace the vehicle, then pocket the cash. 

Military Car Insurance FAQs

Which car auto insurance companies offer military discounts?

USAA and GEICO should both be on your list because of their discounted rates for military personnel and their families. Progressive and Esurance give no specific discount for the military, but they offer competitive prices and no insurance gap penalty for deployment.

What factors affect my monthly car insurance premium?

Your premium depends on your age, credit score, driving record, location, marital status, and type of car. Insurance companies use these factors for both military and non-military policies. Every insurer weighs the risk profile differently. That’s why prices can vary so much.

Where can I compare car insurance quotes online?

The best way to find the cheapest car insurance for military members and their families is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.

Conclusion: The Best Way to Save on Car Insurance

No need to “standby to standby.” You can get an insurance quote faster than you can field strip your gear.

Insurify lets you compare the best military car insurance rates, coverage options, and companies personalized for your price point. Get free, cheap car insurance quotes today on America’s best-rated auto insurance comparison site.

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Updated April 27, 2021

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.