Best Car Insurance for Military and Veterans (2024)

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

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • MBA from Roosevelt University

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

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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 July 11, 2024

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Drivers have found policies from National General, Mercury, Sun Coast, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 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 members of the military community.

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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
USAA9.4$100$46Customer service
Liberty Mutual7.7$231$112Veterans
GEICO9.0$122$56Military 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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for customer service: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
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. USAA also carries a financial strength rating of A++ (Superior) from AM Best, the highest rating available.

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

  • Few local offices

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for veterans: Liberty Mutual

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User Reviews
2.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
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.
$112/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.
$231/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 higher than competitors

Read more driver reviews of Liberty Mutual
Albert - July 7, 2024
Verified

Better Rates Elsewhere

They failed to follow through on what I was told.

Marvin - July 7, 2024
Verified

Good and Pricey

They are easy to work with and their online platform is user-friendly.

Zeketa - July 6, 2024
Verified

Good Company

They handle claims quickly, provide good customer service, and offer competitive pricing, especially if you bundle.

Best insurer for military discounts: GEICO

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
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.
$56/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.
$122/mo

GEICO has served consumers since 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

Read more driver reviews of GEICO
Ashley - July 7, 2024
Verified

Overpriced and not based on driving record

I would not recommend Geico to anyone and would suggest considering other companies.

Pam - July 7, 2024
Verified

Great Insurance

Excellent.

Peggy - July 7, 2024
Verified

Great Company, Switched Only Due to Cost

They provide excellent service.
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 licensed 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 comprehensive and collision deductibles 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 active-duty military personnel and veterans.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 Financial$19
NJM$33
Auto-Owners$37
USAA$46
Hugo$52
Erie$53
State Farm$55
GEICO$56
Mile Auto$59
Allstate$63
Metromile$72
Safeco$76
Progressive$77
American Family$77
National General$78
Mercury$83
CSAA$84
Dairyland$84
Nationwide$85
Root$86
Clearcover$89
Travelers$90
State Auto$94
Direct Auto$98
Elephant$103
Shelter$106
The Hartford$109
Liberty Mutual$112
Farmers$113
Chubb$114
The General$114
21st Century$118
Commonwealth Casualty$120
Bristol West$126
GAINSCO$126
AssuranceAmerica$127
Foremost$138
Amica$164
Infinity$178
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.

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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 an 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
GEICOUp to 15%9.0
FarmersFor active-duty, active reserves, retired, and honorably discharged military veterans8.3
Liberty MutualFor active, retired, or reserved members of the U.S. Armed Forces7.7
Direct AutoUp to 25% in Alabama, Florida, and Louisiana7.3
USAAUp to 60% if you store your vehicle on a military base while you're deployed9.4

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.

Cheapest recent rates

Drivers have found policies from First Chicago, Certainly, Mile Auto, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 military members, veterans, 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, the insurance company, and other factors.

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."
  2. U.S. Census Bureau. "QuickFacts: United States."
  3. Texas Department of Insurance. "Military servicemembers: what to know about insurance."
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

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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