Best Car Insurance for Military and Veterans (2024)

USAA is the best and cheapest car insurance company for military members and has liability insurance rates of $46 per month.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated March 26, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $42/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The U.S. is home to more than 2 million active-duty military personnel and 17 million veterans, according to census data.[1] [2] If you’re an active-duty member, veteran, or family member of someone who served, you can find cheap car insurance to help cut costs. Auto insurance companies offer discounts specifically for military members and veterans.

While it’s a good idea to shop around and compare quotes from multiple companies, you’ll likely find that USAA, which specifically caters to the military community, offers the lowest rates.

Here’s what you need to know about military car insurance.

Quick Facts
  • USAA offers the cheapest car insurance for military personnel and exclusively serves the military community.

  • Some auto insurance companies, like GEICO, Farmers, and Liberty Mutual, serve military service members and veterans with unique discounts.

  • Before you go on deployment, notify your car insurer and learn about your options for coverage.

Best car insurance for veterans and military

Here’s an overview of the best car insurance companies for veterans and members of the military.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
USAA4.5$100$46Customer service
Liberty Mutual3.8$202$96Veterans
GEICO4.2$119$54Military discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for customer service: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

USAA started in 1922 and offers many insurance products, including auto insurance, to current and former members as well as military families. It scores high for customer satisfaction across all regions in multiple J.D. Power studies, making it a great option if you want top-notch service.

In addition to typical car insurance options like liability insurance and full-coverage policies, USAA offers add-ons, such as roadside assistance and accident forgiveness. Plus, you can save up to 60% off your premium if you’re currently deployed and securely store your vehicle.

Pros
  • High customer satisfaction ratings

  • Discount for storing your car on a military base

Cons
  • Gap insurance not available

  • Rideshare insurance not available

Roy - March 21, 2024
Verified

My Review

USAA is the best.

Gary - March 18, 2024
Verified

Poor

Too darn high.

Gabrielle - March 16, 2024
Verified

Just Don't! Save Yourself!

Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
Read our USAA review

Best insurer for veterans: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$202/mo

Liberty Mutual serves policyholders in 50 states and Washington, D.C., with standard auto insurance coverage and optional plans. You can lock in a military discount for active-duty personnel, retired veterans, or reserved members of the U.S. Armed Forces.

Also, if you’re retired, you can maximize your savings with the Military Benefits Association. This organization offers special discounts to Liberty Mutual customers to lower costs.

Pros
  • RightTrack telematics program for safe drivers

  • Various add-on coverage options available

Cons
  • Limited discounts in some states

  • Average rates slightly more than competitors

Teresa - March 25, 2024
Verified

High rates

In my opinion, the rates are high.

Judith - March 24, 2024
Verified

Frustrated and Disappointed!

Starting my policy a month behind without informing me was the first mistake. Having to wait on hold for mediocre customer service is very frustrating!

Roberta - March 24, 2024
Verified

Some Good and Some Bad!

Be sure to compare rates.
Read our Liberty Mutual review

Best insurer for military discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

GEICO made its debut in 1936 and offers standard car insurance policies as well as additional options like rental car reimbursement, mechanical breakdown, and roadside assistance to military personnel.

If you’re on active duty or are a retired service member or member of the National Guard or Reserves, you can enjoy a military discount of up to 15%. You might be able to save even more if you qualify for an emergency deployment discount or are a member of certain military organizations.

Pros
  • Generous military discount of up to 15%

  • Robust mobile app

Cons
  • Below-average J.D. Power claims satisfaction rating

  • Gap insurance not available

Radera - March 26, 2024
Verified

Don't Recommend

I wouldn't recommend them. They seem to look for any reason to cancel your policy.

Jan - March 25, 2024
Verified

Average

Rigid on pricing.

Linda - March 23, 2024
Verified

Best for the Money

They were helpful in trying to lower my bill.
Read our GEICO review
How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

Cheapest car insurance for veterans

Your car insurance rates as a military member or veteran depend on your age, location, ZIP code, driving record, vehicle, and more. But you can get cheaper car insurance with these tips:

  • Shop around. Do your research and get car insurance quotes from at least three auto insurance companies. This way, you can compare your options and make an informed decision for your unique needs.

  • Ask about discounts. Find out whether you’re eligible for a military discount or other discounts like a loyalty discount, multi-car discount, and anti-theft device discount. A car insurance agent can help you learn more about which discounts are available to you.

  • Bundle coverage. If you have home insurance, condo insurance, renters insurance, life insurance, or another type of coverage, you may want to bundle it with your auto insurance. Many insurers offer bundling discounts.

  • Review and adjust your policy. You can adjust your deductible and coverage. Higher deductibles and less coverage usually mean cheaper premiums. Just make sure you can afford a more expensive deductible and you have enough protection on the road.

Here are some of the cheapest car insurance companies for military personnel and veterans.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
COUNTRY Financial21
NJM36
Auto-Owners38
USAA46
Hugo48
State Farm53
GEICO54
Mile Auto55
Erie57
Root62
Allstate62
Safeco66
Metromile77
American Family77
National General79
Progressive82
Mercury83
Dairyland84
Nationwide85
Clearcover88
Travelers90
CSAA91
Direct Auto95
Liberty Mutual96
Elephant98
State Auto99
Anchor104
Shelter110
Farmers110
The General115
The Hartford116
Commonwealth Casualty116
AssuranceAmerica117
Chubb117
GAINSCO120
21st Century123
Bristol West129
Foremost137
Amica178
Infinity192
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Top Car Insurance Companies Online

Rates start at $21 per month for minimum coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Military discounts by insurance company

Some car insurance companies offer exclusive military discounts, but how much you’ll save depends on the insurer and your unique situation. It’s a good idea to work with a car insurance agent or contact the insurance company directly to get more information about discounts you qualify for.

Even though many auto insurance companies don’t have military-specific discounts, you can still take advantage of low rates and other discounts that may apply to you.

Insurance CompanyMilitary DiscountIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
GEICOUp to 15%4.2
FarmersFor active-duty, active reserves, retired, and honorably discharged military veterans3.8
Liberty MutualFor active, retired, or reserved members of the U.S. Armed Forces3.8
Direct AutoUp to 25% in Alabama, Florida, and Louisiana3.3
USAAUp to 60% if you store your vehicle on a military base4.5
KemperFor active-duty military and National Guard members2.8

What to do about car insurance during deployment

If you’re deployed, don’t cancel your car insurance, because it causes a lapse in coverage. A lapse in coverage can make it difficult to get auto coverage in the future. Depending on your situation, you may be able to suspend your policy. The Texas Department of Insurance recommends storing your car so no one can drive it and making sure you set up automatic payments for your premiums while you’re away.[3]

USAA asks that you call a representative at 1 (877) 2-DEPLOY or go to the USAA website to inform it of your deployment. You may be able to get a vehicle storage discount if you store your vehicle on base.

Depending on the state you live in, you may have to fill out an affidavit of non-use document, which notifies the state that you won’t drive your vehicle for an extended time. Don’t forget to research or ask an agent whether you qualify for any deployment discounts.

Once you return from deployment, contact your insurer to restart your coverage. Then, ensure your vehicle registration is valid and update your insurance information on any required paperwork.

Find Affordable Car Insurance

Unlock savings and discounts when you compare quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Military car insurance FAQs

Check out Insurify’s guide to canceling auto coverage and the answers to some frequently asked questions about military car insurance below.

  • Is USAA car insurance just for military members?

    Yes. USAA exclusively serves active-duty and retired military members and their families.

  • Which company has the cheapest auto insurance for military?

    USAA offers some of the cheapest auto insurance rates for military-affiliated drivers. Its average rates are $46 for liability insurance and $100 per month for full coverage.

  • Is car insurance cheaper for active-duty military?

    You may lock in more affordable car insurance coverage if you’re an active-duty military member because of special discounts or suspending your policy while on deployment. It depends on your age, location, driving history, discounts, and insurance company.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.D. Department of Defense. "Defense Department Report Shows Decline in Armed Forces Population While Percentage of Military Women Rises Slightly." Accessed January 12, 2024
  2. U.S. Census Bureau. "QuickFacts: United States." Accessed January 12, 2024
  3. Texas Department of Insurance. "Military servicemembers: what to know about insurance." Accessed January 12, 2024
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all