- What is the Best Military Car Insurance Company?
- How Is Car Insurance Different for Military Members and Veterans?
- What to Consider If You Are Storing a Car During Deployment
- International Auto Insurance Coverage
- How Active Military and Veterans Can Save Money on Car Insurance
Which Companies Offer Military Discounts?
- USAA Military Car Insurance Discount
- Esurance Military Car Insurance
- Geico Military Car Insurance Discount
- State Farm Military Car Insurance Discount
- Liberty Mutual Military Car Insurance Discount
- The General Military Car Insurance Discount
- Direct Auto Military Car Insurance Discount
- Arbella Military Car Insurance Discount
- How to Sign up for Car Insurance as a Veteran, Active Military, or Family
- Get True Peace of Mind with the Right Military Car Insurance Policy
On average, car insurance costs about $1,600 per year for the minimum required coverage, but only as long as you have good credit and a solid driving record. If you have a few dings on your credit or driving record — or just want more coverage — you could end up paying a lot more.
Thankfully, as a veteran, active member of the military, or military family member, you can qualify for special discounts that decrease your yearly car insurance expenses considerably. You can then redirect the savings to pay for higher coverage levels or simply place the funds in your bank account for a rainy day.
If that sounds just like what you need, simply use this guide to learn all about the best car insurance companies for veterans and military families. Using that information, you can sign up for an affordable policy without skimping on coverage.
What is the Best Military Car Insurance Company?
The best military car insurance company for you is the one that offers the right level of coverage at the lowest rates. There is really no one right answer across the board since each person’s situation is different from the next. Beyond your driving record and credit score, where you live, what you drive, your total number of vehicles, and many other personal factors all impact your final price.
Objectively, there are a few companies that stand out from the rest, however, when it comes to providing car insurance to veterans, active duty, and retired members of the military, such as:
USAA: Cheapest Insurance for Veterans and Active Members of the Military
When it comes to getting the best car insurance rates, many veterans, active military members, and their families have good luck with USAA. On average, USAA customers pay less than $1,100 per year for basic coverage, which is far less than State Farm, Allstate, and other major companies. In fact, USAA claims that upon making the switch to their company, their members save an average of $707 per year.
Beyond that, they offer a 60 percent discount on your car insurance if you have to store your vehicle for more than 30 days. So, if you get deployed and will not be driving your vehicle for an extended period of time, you can decrease your expenses without outright canceling your policy.
Despite their low prices, USAA always provides their members with the highest quality of service and support. They’ve even earned the top customer satisfaction rating across the board in the 2020 U.S. Auto Insurance Study performed by J.D. Power.
Geico: Best Military Auto Insurance Discount
If you want to go with a civilian-minded car insurance company, but still need to save money, Geico is a top choice due to its excellent military discount. They offer an additional 15 percent off their already low rates, often bringing their price down far below their competitors.
On top of their normal discount on your monthly premiums, they will drop your rates by 25 percent during emergency deployments. To qualify, you must be deployed to imminent danger pay areas as indicated by the Defense Department plus store your cars in an approved storage space.
Their discount is open to active and retired members of the military, veterans, and their families. They also offer insurance discounts to those in the Reserves and National Guard. All eligible military members qualify for worldwide coverage personalized to their preferences.
While they are a huge company with more than 16 million policyholders, Geico still gets good reviews from its customers. In all they do, they always strive to make great customer service a top priority. As a result, they have rather high satisfaction ratings, especially in regard to their policy options and prices. They also make it easy to bundle your auto, boat, and home insurance policies for even bigger discounts.
Arbella: Highest Deployment Discount Offered by a Small Company
Despite their high customer satisfaction ratings, big car insurance companies have an impersonal feel that might not work for your needs. If you prefer to get your auto insurance policy from a small company, yet still need a deployment discount, then Arbella might suit your preferences.
Available in Massachusetts and Connecticut, Arbella car insurance comes with a 10 percent discount for military members who are deployed more than 100 miles from their vehicle. In addition, they offer discounts if you have multiple vehicles, anti-theft devices on your cars, and other insurance products bundled with them. In addition, they give you another six percent off if you pay your premium in full each year.
Even though their service area is limited, most customers are completely satisfied with their Arbella experience. Since they are a small company, they can provide a personal touch while setting up and managing your policy. They are always available by phone to answer your questions, handle your concerns, and update your policy as needed to provide your preferred level of protection.
Armed Forces Insurance: Top Military Auto Insurance Agency Overall
By going with an insurance agency, you can get multiple quotes at the same time and receive help in choosing between your options. If that is the level of service you prefer, then set your sights on Armed Forces Insurance.
They will run your information through their system to get quotes from all the major insurance companies. Then, they will present your options to you while sharing what makes each one a good choice for your situation.
In addition to providing auto insurance for active and retired members of the military, veterans, and their families, they’re happy to help Department of Defense employees as well. They offer exceptional service to all their customers, earning them a positive reputation in the industry. You can trust that they will go above and beyond in finding great auto insurance policy at the right price and coverage levels for your needs.
You will need to shop around to see which of these car insurance companies can offer you excellent coverage at the most affordable rate. Thankfully, it is easy to get quotes and compare them side by side to find your perfect policy.
How Is Car Insurance Different for Military Members and Veterans?
As far as car insurance coverage goes, military members, veterans, and their families need to same amount of protection as everyone else on the road. The ideal coverage level for your situation depends on the value of your car, risk tolerance, budget, and many other personal factors. If you need help figuring out how much coverage to get, it is best to work directly with an assigned broker at an insurance agency, like Armed Forces Insurance.
Once you set up your policy through your selected auto insurance company for military, your coverage works the same as anybody else’s. You maintain your policy with timely premium payments and make adjustments as needed to maintain the right coverage levels. Depending on your coverage types and limits, you can then make a claim if you get into an accident, get your car stolen, or notice any theft attempts or other vandalism.
Overall, the best auto insurance companies for military offer normally low rates, high monthly discounts, and additional perks, like extra price decreases while your car is in storage. They should also have fantastic customer service that allows you to make changes on the fly without any hassle.
If you need to go on deployment, for example, then your auto insurance company should make it easy to activate their discount for putting your car in storage. They should also quickly make changes to your coverage levels, let you know when lower rates are available, and otherwise help you manage your policy as needed.
What to Consider If You Are Storing a Car During Deployment
If deployment is a possibility, you need a car insurance policy that offers a discount on your coverage while you’re away. Depending on your selected insurer, you can save anywhere from 10 to 60 percent on your monthly premium throughout your deployment.
Auto insurance companies that offer the deployment discount each have their own terms on how it works. You may need to cancel certain types of coverage, for example, and keep your car in an approved storage facility. You’ll also likely need to fill out an affidavit of non-use and file it with your local Department of Motor Vehicles.
While it is definitely an option if your car is paid off and not being driven, canceling your policy leaves you without protection against vandalism, theft, and other losses. Plus, the cancelation process lands you back at square one once you return home and want to start driving your vehicle again.
If you’re still paying off your car, you’re in even more of a tight spot. You are likely required to maintain collision and comprehensive insurance until you make your last payment, after all. Upon canceling your coverage, your lender could hit you with breach of contract and set up a new policy at your expense.
So, it’s best to call and talk to the customer service team about their terms before signing up for your policy. Otherwise, you could end up with a policy that simply doesn’t work for your needs.
To ensure that your car looks and feels its best upon your return, you should also:
- Deep clean the interior and exterior plus apply a good coat of wax on the paint
- Get all maintenance services performed and have the fluids flushed or topped off
- Attach a battery tender to your automotive battery to keep it from losing charge
- Add a fuel stabilizer that will keep the fuel in the gas tank as fresh as possible
- Leave the emergency brake off and use tire chocks to secure your vehicle in place
- Buy a car cover and properly secure it over your vehicle once it is in storage
Also, make sure to ask a trusted friend or family member to check your storage area often for signs of rodents and other critters. If they find any, they will need to set up and check traps or call in an exterminator to keep the critters from damaging your car.
International Auto Insurance Coverage
If you’re stationed overseas and plan to drive a personal vehicle, you’ll need international auto insurance coverage. Except for plans through Geico, most car insurance policies simply will not cut it while you’re abroad. Instead, you need a policy handcrafted for the local insurance laws of the area you’re going to live in for the time being. If you’re getting deployed to Japan, for example, then you must carry Japanese Compulsory Insurance to operate a motor vehicle there.
You’ll first need to figure out if you’re allowed to ship your personal vehicle or will need to buy a car once you arrive. Once you determine what car you’re going to drive, you can start getting quotes for coverage. But before you do that, call your current insurance company to see if they offer international policies.
Beyond setting up the right coverage levels, don’t forget to get your international driver’s license, so you can legally drive on public roadways wherever you’re stationed. Alternatively, you can get your international driving permit through the American Automobile Association (AAA) if you have a current driver’s license from your home state.
How Active Military and Veterans Can Save Money on Car Insurance
The best way for active military and veterans to save money on car insurance is by going with a company that offers discounts on monthly premiums. Your insurance company of choice should also offer a deployment discount in case you get stationed away from home and have to put your car in storage.
In addition to offering money-saving opportunities on monthly or annual premiums, military-friendly auto policies should provide helpful perks, like:
- 24/7 dedicated support from a specialized customer service team
- Access to a convenient military payment plan that matches your pay schedule
- Ability to get international auto insurance coverage on request
- Rapid assistance for those facing emergency deployment
Since every car insurance company offers different discounts and perks, it is important to get quotes from each one before signing up. You can easily get quotes online or with a call to each company’s customer service team. To speed through the process, make sure you have all your vehicle and driver information on hand plus an idea on what coverage types and limits you might want.
Which Companies Offer Military Discounts?
Not all auto insurance companies offer military discounts. Progressive, for example, only offers their everyday low rates instead of extending discounts to certain individuals. Although you might be able to get a low monthly premium from them, they also do not offer helpful perks that align with your needs.
For that reason, it is usually best to seek out insurance companies that offer a discount to active and retired members of the military, veterans, and their families. Barring that, you can go with a company that offers many other discounts that you’re eligible to receive. Here’s a look at the top options.
USAA Military Car Insurance Discount
With average yearly premiums in the $1,100 range, USAA is the most affordable military car insurance company out there today. They offer low rates to active and retired members of the military, veterans, and their families.
Plus, they provide a discount of 15 percent off your comprehensive coverage if you live on base and keep your car parked in the garage. If you live in California, however, then you only get a five percent discount, but it applies to your collision coverage as well.
And if you end up on emergency deployment, you can contact USAA for up to 60 percent off your monthly premium while your car is in storage. When driving a government-owned vehicle, they offer additional liability coverage that will kick in if you’re deemed at fault for an accident.
You can increase your savings even more by signing up for their other insurance options, like motorcycle, RV, and boat insurance. If you get renters insurance from them while living on base, not only will it decrease what you pay for your auto policy, but it also comes with a 20 percent discount.
Esurance Military Car Insurance
Operating as an Allstate company, Esurance claims that their customers save over $460 upon switching to their auto insurance plans. Like many online auto insurance companies, they boast everyday low rates for customers from all walks of life. What they don’t offer is a discount on car insurance for members of the military or veterans.
Instead, they have discounts for:
- Multiple policies
- Good students
- Brand-new cars
- Safe driving club
- Vehicle safety devices
They even offer a discount when you sign your policy within seven days of receiving it. You can also save money by signing up for their paperless insurance documents and EZ pay plan.
Although they do not have a dedicated military discount, you can still save money by going with Esurance for your policy. Before you do that, keep in mind that they do not offer any military-minded perks, like emergency deployment discounts.
Geico Military Car Insurance Discount
On top of their already low rates, Geico offers a generous military car insurance discount of up to 15 percent. They also offer a 25 percent discount on your premium if you’re deployed to certain areas and have your car in storage.
You may qualify for additional discounts if you’re a member of the:
- Association of the United States Army
- Armed Forces Benefit Association
- Navy League of the United States
- Navy Federal Credit Union
Discount amounts vary depending on your personal info, coverage needs, and other key factors. Furthermore, to qualify for the discounts, you must meet their eligibility requirements in full.
For the emergency deployment discount, for example, you must have received Department of Defense orders to deploy to the imminent danger pay areas. You also need to follow Geico’s approved storage protection plan to secure your vehicle before you leave.
In addition to their military discounts, Geico offers even more savings if you have multiple policies through their company or have been accident free for at least five years. You might also save money if you’re a federal employee, student, or over the age of 50. Additional premium discounts are available if your car has certain types of safety equipment, like airbags, anti-theft systems, and anti-lock brakes.
State Farm Military Car Insurance Discount
State Farm only offers a 25 percent military car insurance discounts to veterans, active duty, and retired members of the military living in Louisiana. If you’re deployed overseas, but still have your family living in Louisiana, they can still get a discount on their State Farm policy. Since this discount is only available to customers in a single state, you have to call and ask to have it applied to your policy.
Despite their lack of military discounts in most states, All State does offer many ways to save money on your policy, including:
- Up to 30 percent off with your enrollment in Drive Safe & Safe app
- Up to 20 percent savings upon joining their Steer Clear safe driver program
- 10 to 15 percent off for taking approved driver safety courses
- Up to 25 percent savings for full-time students with a 3.0 GPA or better
- Up to 20 percent off for insuring two or more vehicles through their company
As with most insurance companies, they also offer discounts for signing up for additional types of insurance, like renters, condo, and homeowner insurance. Although the savings may add up fast if you meet a lot of their requirements, they still do not offer dedicated perks designed to make military life easier and less stressful.
Liberty Mutual Military Car Insurance Discount
As long as one person on the policy is a veteran, active duty, or retired member of the military, Liberty Mutual will apply a discount to the entire plan. They do not offer emergency deployment discounts, however, although they do have many other chances to save money.
In addition to their military discount, this car insurance company offers:
- A cheaper rate when you sign up for a plan before your current policy expires
- Lower premiums if you have a B average or better in your college courses
- Discounts for students who are away at college and still on the family policy
- Decreased rates for homeowners, especially if they bundle their insurance
If you have a modern vehicle with advanced safety features, drive a hybrid, or invest in anti-theft devices for your car, you can save even more money on your insurance. Additional savings will appear on your policy if you have a ticket- and accident-free driving history or if you sign up for their RightTrack program. Through that program, you can save up to 30 percent on your monthly premiums once the system confirms that you’re a safe driver.
The General Military Car Insurance Discount
The General only offers military discounts on car insurance if you’re living in Louisiana. In order to have this discount applied to your policy, you must fill out the ‘Application for Military Discount’ form in full.
They do not have any discounts for emergency deployments, although they do offer a rate decrease for other situations, such as:
- Paying for six- or twelve-month policies in full
- Insuring full-time students with good grades
- Having multiple vehicles insured under one policy
- Being a homeowner and bundling insurance through their company
- Completing an approved defensive driving course
You can save even more if you’ve had no tickets or accidents in the last three to five years. Driving a vehicle with passive restraints and other advanced safety equipment may also qualify you for additional savings.
Above all else, The General prides themselves on insuring drivers who would otherwise be denied by other companies. If you are a new car owner, require an SR-22, or have many driving violations on your record, you can count on this company to offer you car insurance. Whether or not it’s affordable depends on your credit score, driving history, and other personal factors.
Direct Auto Military Car Insurance Discount
Unlike other companies, Direct Auto Insurance only offers a discount to active members of the military. So, if you’re retired or a veteran, you will have to look elsewhere for affordable coverage.
You must prove you’re an active member by providing a copy of your current military orders or other documentation regarding your status. You must also live in Alabama, Florida, or Louisiana. They do not offer discounts to active members of the military living in other states.
If you qualify for their military discount, they will knock up to 25 percent off the price of certain coverage types, such as:
- Bodily injury
- Property damage
- Uninsured motorist
Your discount will not apply to add-on coverage types, like personal injury protection, however.
Direct Auto Insurance offers additional discounts if you have multiple vehicles on your policy or have several policies through their company. Good students, senior citizens, and homeowners also get to enjoy automatic price deductions.
To save even more, you can decrease how much you drive your car each year. Keep it under 7,500 to 15,000 miles per year, for example, and you will get five percent off your annual premium.
Arbella Military Car Insurance Discount
Arbella offers up to 10 percent off their car insurance policies for individuals on active military duty. Like Direct Auto Insurance, they do not offer a discount to veterans or retired members of the military.
In addition to being on active duty, you must be stationed at least 100 miles from where your car is garaged. For that reason, this insurance is best for those who are deployed far from home and have their car in storage. They also only offer coverage to individuals from Connecticut and Massachusetts.
They do have many other discounts available as well. You can save up to six percent if you pay your premium in full each year, for example, and get 13 percent off for bundling your policies through Arbella.
If you drive a hybrid or electric vehicle, they may knock 10 percent off your premium while adding multiple vehicles will save you two percent more. Other discounts are given if you drive less than 10,000 miles a year and for completing their basic and advanced driver training courses.
You really cannot go wrong with any of these insurance companies. To decide between them, just start requesting quotes to see the coverage types, limits, and rates they offer.
How to Sign up for Car Insurance as a Veteran, Active Military, or Family
If you want to sign up for car insurance as a veteran, active member of the military, or family member, you’ll need to get a quote from each of your preferred companies.
Plan to get at least three quotes, so you can compare rates. Start with your ideal level of coverage, and then go back to make adjustments to align the rate with your budget.
Once you pinpoint the auto insurance company that will provide the best coverage at affordable rates, you can sign up, pay the initial charge, and activate your policy. You’ll get your auto insurance policy documents in your email inbox, through their online portal, or by mail.
Be sure to review the documents in full to confirm all the details match your selections. If not, you can contact the auto insurance company and request that they adjust your policy to match your preferences.
After signing up, just keep paying your premium on time each month or make a bulk payment at the beginning of each year. You often get a discount for paying your premium annually, so it is a good idea if you can save up and cover it all at once.
Either way, don’t forget to pull quotes every year or so to see if you can get better rates elsewhere. As changes occur, like incidents dropping off your driving record or increases in your credit score, you can usually snag a better rate while maintaining your ideal level of coverage.
Get True Peace of Mind with the Right Military Car Insurance Policy
No matter which auto insurance company you go with, having the right level of coverage at a great rate provides true peace of mind as you go about your day. You can rest assured that you and your family are well-protected in case of an accident, vandalism, or even vehicle theft. And you don’t even have to break the bank to keep your coverage active and at just the right level for your needs.