Best Military Car Insurance of 2023

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Charlie MitchellInsurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Jackie Cohen
Edited byJackie Cohen
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Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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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 June 15, 2022

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If you’re on active duty, a veteran, a cadet, or anything in between, all military service members have civilian obligations to deal with—including the need for car insurance. But they shouldn’t buy the same auto insurance as everyone else. That would mean surrendering some great discounts.

By using Insurify’s auto insurance comparison tool, you’ll get free quotes tailored to you—just make sure you indicate that you’re military personnel, and we’ll find you the appropriate discounts. Read on to unlock the secret to the best car insurance for military families.

Quick Facts
  • The average monthly car insurance premium for military families is $204.

  • USAA exclusively offers insurance to military families and veterans.

  • The cheapest insurer we found for military members is Metromile, with average rates of $74 per month.

Cheapest Car Insurance for Military Families

Do military families save on car insurance?

Many car insurance companies provide discounts for military families, so if you are in the military you will probably get a good deal on car insurance. Some insurance providers, like USAA, only offer coverage to military personnel, and choosing a military-oriented company is a great way for military families to ensure they have the best car insurance.

According to Insurify, these are the cheapest auto insurance rates for members of the military and their families.

Insurance CompanyMonthly Quote for Federal Employees
Amigo USA$116
Kemper$134
Travelers$153
Clearcover$161
National General$165
AssuranceAmerica$167
Nationwide$186
Freedom National$217
Bristol West$227
Mercury$229
Liberty Mutual$246
The General$279
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best Car Insurance Companies

Best Car Insurance Companies

How much does car insurance cost for military families?

Our database at Insurify shows an average monthly car insurance premium of $204 per month for military families. But insurance premiums vary between companies, and only a handful of insurance companies offer military discounts. Your driving record, credit score, and coverage options will all affect your auto insurance quotes.

USAA

USAA auto insurance is known as the best option for all military personnel: active-duty, retired military, veterans, and their immediate families. There’s no military discount because you have to be a service member or have one as a family member to be a USAA member anyway. USAA offers the best insurance coverage for active-duty military and beyond.

GEICO

GEICO’s best-in-class military discount is available to active duty service members and retired soldiers as well, from the Marines to the National Guard. The discount is for up to 15 percent unless you’re in what the Department of Defense has designated an imminent danger pay area, which earns you an emergency deployment discount of up to 25 percent.

Armed Forces Insurance (AFI)

Another insurance company exclusive to active or retired military personnel and their family members, Armed Forces Insurance (or AFI) also provides a broad range of insurance products—including home insurance, renters insurance, and life insurance. Though rates aren’t very available to the public, customer satisfaction insurance reviews are generally positive.

Liberty Mutual

Liberty Mutual’s military discount is unspecified, but that’s better than Nationwide, Esurance (now owned by Allstate) and other giants, which don’t have military discounts of any kind. Liberty Mutual has an array of liability coverages and rewards bundling.

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Best Military Car Insurance Discounts

Military families can benefit from all the important discounts available to other car insurance customers, along with some additional ones exclusive to them. First, there’s the military discount, often a 15 percent savings on your insurance policy just for being a service member, current or former. GEICO famously provides this car insurance discount.

Military personnel can also earn discounts through organizational memberships that connect them to the military. Beyond that, a distant driver discount or some other provision that allows limited insurance while you or a family member is away on deployment or at a military base can help you save money and avoid paying a full car insurance rate for a driver who’s absent.

While your status as a service member counts for some car insurance discounts, other discounts matter just as much: having good credit, a clean driving record, and a safe vehicle will help you sweep up the most lucrative auto insurance discounts. Unlike other jobs, being in the military can help you save on your car insurance polices.

Cheapest States for Military Family Car Insurance

These states are the cheapest for military families to buy car insurance coverage in, per our database at Insurify. Fun fact: active-duty service members who live in Louisiana qualify for a military discount on car insurance no matter which auto insurance provider they choose. It’s state law!

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap Car Insurance

Cheap Car Insurance

Tips for Cheaper Car Insurance for Military Families

Military families need wrap-around protection, whether their service member is in ROTC, deployed, or retired. You can have added protections like comprehensive coverage and uninsured motorist coverage and still pay decent car insurance rates. Follow these tips to make sure.

Bundle with Homeowners Insurance and Other Policies

Getting an affordable car insurance policy is always easier when you can combine all your liability coverage under one insurance provider. The insurance companies love it, and the resulting auto insurance discounts are substantial.

Explore Coverage Options and Deductibles

To shave down your auto insurance premiums to a crew cut, talk with an insurance agent about whether you need comprehensive coverage. If you drive an older car, you could save money by dropping the comprehensive coverage option. If you still need a full-coverage car insurance policy, Insurify allows you to raise your deductible and in order to lower premiums.

Find a Distant Driver Discount

A crucial auto insurance discount that companies offer is a distant driver discount so you can save money if your active-duty family member is away on a military base or deployed overseas. Other car insurance companies will offer this as a military discount.

Shop Around for Car Insurance

More important than any particular discounts or insurance providers that cater to members of the military, cheap car insurance comes to those who hunt for the lowest car insurance quotes. And what better way to do that than Insurify’s fast and free quote-comparison tool—try it now!

Best and Worst Sites to Compare Car Insurance

Best and Worst Sites to Compare Car Insurance

The Best Way to Compare and Get Cheaper Car Insurance

Military families and veterans deserve the very best, even when it comes to car insurance coverage. The best way to do that is to spend just a few minutes with Insurify*,* which will pull free insurance quotes for you with access to special rates, all in a few minutes. Try it now and save money!

Frequently Asked Questions

  • What car insurance companies offer military discounts?

    Members of the military shopping for auto insurance should start with USAA. A consistent top player on J.D. Power customer satisfaction rankings, they’re one of your best insurance options bar none. Beyond that, GEICO has a strong military discount, and so does Liberty Mutual.

  • How can military families get cheaper car insurance?

    Finding military discounts is a great start, and getting in touch with USAA and AFI is a must. But beyond that, making sure your credit score is solid and your driving history is clean will make sure any car insurance provider has reasonable rates to offer you.

  • What’s the easiest way to get cheap car insurance for military families?

    Cheap car insurance for you and for your family is out there. The task is to find it. Insurify can help you do just that, providing you with free, rock-solid insurance quotes in just a few minutes.

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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.

Charlie Mitchell
Charlie MitchellInsurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Jackie Cohen
Edited byJackie CohenEditorial Manager
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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.