Best veterans and military car insurance

 You and your family are eligible for special military auto insurance discounts if you have served in a branch of the United States Armed Forces. USAA is frequently recommended as the best provider for active and retired military personnel, with competitive pricing and high customer satisfaction ratings. In every region, USAA received high customer satisfaction ratings. However, there are several other auto insurers that are excellent choices for veterans and military drivers.

Best veterans and military car insurance

Another major provider of military car insurance in the United States is Geico. Active military members and those on emergency deployment are eligible for a discount through Geico. Other insurers that provide military car insurance discounts include:


The General

Armed Forces Insurance

Each military auto insurance company has its own set of rules and offers various veteran car insurance discounts. We looked at each provider's coverage options, discounts, customer service ratings, and average premiums to evaluate them.

The cost of car insurance for military drivers

Rate factors for veteran or military drivers shopping for car insurance are not heavily influenced by your specific military status. Active-duty, retired, and reserve military personnel all pay roughly the same amount for auto insurance, give or take a few dollars. Bankrate also discovered that rates for active and retired military personnel are roughly the same, regardless of whether you choose minimum coverage or full coverage for your car insurance.

Rates for military drivers based on status

The average military premium for basic auto insurance is less than $515 per year. The average military driver will pay around $1,720 per year for full coverage. It's worth noting that non-military drivers will actually pay slightly less for full coverage rates than military drivers. Non-military drivers, on the other hand, must pay a little more for minimum coverage.

Average national rates for military and non-military drivers
Military families face unique stressors and life impacts that non-military families do not. That means military families have unique requirements for auto insurance, and even the best car insurance companies may not be the best fit for all drivers.
We discovered that some auto insurers offer better discounts, lifestyle support, and policy coverage to military personnel due to the unpredictable nature of military life.

Best veterans and military car insurance companies


USAA auto insurance is the best value when looking for the best military auto insurance discounts because it specialises in products and services exclusively for retired and active-duty military personnel and their families. Switching to USAA saves members an average of $725 per year, according to the company's website. 
Depending on where you live, USAA offers up to a 15% discount on optional comprehensive coverage for a vehicle parked on a military base. If you are deployed, you can save up to 60% on your car insurance while it is in storage.

USAA provides additional discounts for safe driving, good grades, insuring multiple vehicles, staying with the company for an extended period of time, bundling policies, and completing an approved defensive driving course. If a driver has not been in an at-fault accident in the previous five years, they will automatically receive free accident forgiveness coverage on their policy. 

Although USAA offers reasonably priced car insurance policies in general, specific rates vary by state and a number of personal factors. You will save even more money if you are eligible for USAA discounts. USAA explains how it calculates auto insurance rates on its website.

To obtain a quote from USAA, you must first verify your eligibility. Be prepared to submit information about your military service history, whether you apply online or over the phone. Before you can begin the quote process, your eligibility must be verified.
Aside from being an affordable option for those who qualify, USAA Auto Insurance receives high marks for customer service and provides benefits such as flexible payment plans at no extra cost.


Geico is an abbreviation for Government Employees Insurance Company. Military auto insurance discounts are available to government employees and their families. Veterans and military personnel can receive up to a 15% discount from Geico. Active-duty military personnel receive an additional 15% discount. 

To be eligible for Geico's veterans auto insurance discounts, you must be a member of one of the following three organisations:

Association of the U.S. Army (AUSA)

Fleet Reserve Association (FRA)

National Infantry Association (NIA)

Members of certain organisations, such as the Armed Forces Benefits Association (AFBA), the Navy League of the United States (NLUS), the Navy Federal Credit Union (NFCU), and the American Society of Military Controllers, are also eligible for military discounts from Geico (ASMC). Customers who are part of an emergency deployment to an imminent danger zone are eligible for a discount of up to 25%.

 Aside from military discounts, Geico provides a number of ways for customers to save money on auto insurance premiums. Drivers can receive discounts for having certain vehicle safety features, taking a defensive driving course, being a good driver, bundling policies, insuring more than one vehicle, being a good student, and other activities.

A personalised quote will be required to determine how much you will pay for Geico auto insurance. Geico, on the other hand, is known for its low rates for all types of drivers. Depending on where you live, a Geico car insurance policy may be less expensive than a USAA policy. Be prepared to provide proof of your military status in order to receive the military discount.

companies that offer military discounts


Arbella is a small auto insurer available to residents of Massachusetts and Connecticut who are deployed more than 100 miles from their vehicle. It provides a 10% discount to active-duty military personnel.

The General

PGC Holdings Corp. subsidiary General Automotive Insurance Services Inc. provides auto insurance to all customers, regardless of military status. However, active-duty military members in Louisiana are eligible for a military discount. And, unlike the other companies on this list, The General is a great insurance option for people with bad credit or a bad driving record.

Armed Forces Insurance Exchange

Armed Forces Insurance Exchange (AFI), like USAA, is a military-focused insurance company. The two military auto insurance companies offer very competitive prices and services
The following are the primary distinctions between AFI and USAA auto insurance:
From global credit rating agency AM Best, AFI has a financial rating of B+ (Good), while USAA has a rating of A++ (Superior). 

If you are active duty or retired military, or if someone in your family is, you can join the USAA. Ex-spouses are included. Candidates from the Academy, ROTC, and OCS/OTS are also eligible. AFI membership includes active and retired members of the Department of Defense.

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