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
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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.

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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.

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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 February 14, 2024 at 7:34 AM PST

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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$98$46Customer service
Liberty Mutual3.8$194$95Veterans
GEICO4.2$115$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.
$98/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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
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.
$95/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.
$194/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

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
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.
$115/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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
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, February 1 at 11:00 AM PST
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 Financial22
NJM37
Auto-Owners39
USAA46
Hugo48
Mile Auto53
State Farm53
GEICO54
Erie58
Root62
Allstate62
Safeco65
American Family76
Metromile76
Plymouth Rock77
National General79
Progressive83
Dairyland83
Mercury84
Nationwide84
Clearcover87
Travelers89
CSAA92
Direct Auto93
Liberty Mutual95
Elephant97
State Auto102
Anchor104
Farmers108
Shelter111
AssuranceAmerica114
Commonwealth Casualty115
The Hartford116
Chubb117
The General117
GAINSCO118
21st Century123
Bristol West129
Foremost137
Infinity176
Amica181
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 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.

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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 $98 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

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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.

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