Best Military Car Insurance

Compare the best car insurance for military members and their unique needs

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Car insurance is never a one-size-fits-all product. While needs often change based on age or geographical location, auto insurance requirements for military members look completely different from what they do for the average Joe working a 9 to 5. Men and women in the military often relocate to new bases or end up deployed overseas at some point during their service, and these changes don't require the same coverage.

The good news is that many car insurance companies offer specialized coverage for men and women in the service. Some insurers, like USAA and Armed Forces Insurance, specifically cater to veterans and active-duty personnel, while others offer discounts and special coverage options. We looked at more than a dozen car insurance companies to determine which provide the best types of coverage and discounts for service members.

Best Military Car Insurance

Provider Best For
USAA Best Overall for Military Members and Families
GEICO Best Military Discount
Esurance Best for Active Duty Military
Armed Forces Insurance Best for Veterans and Retired Military

Below you'll find auto insurance offers available from our advertising partners, followed by our complete in-depth list of the best car insurance companies for military members.

USAA: Best Overall for Military Members and Families

USAA

USAA caters exclusively to current and former service members and their families and offers unique coverage, incredible discounts, and outstanding customer service. This is why USAA earns our top spot in the round up of the best military car insurance.

Pros and Cons

Pros
  • One-stop shopping for insurance and banking needs

  • Available nationwide

  • Offers several unique discounts for military members

Cons
  • Eligibility strictly limited to current/former military, their spouses, and children

Coverage

Like most other auto insurance carriers, USAA's policies offer:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Uninsured motorist coverage
  • Personal injury protection and medical payments
  • Extended benefits coverage
  • Roadside assistance and towing coverage
  • Rental car reimbursement

USAA doesn't just cover cars. It also offers insurance for motorcycles, recreational vehicles (RVs), and boats. Additionally, USAA has rideshare coverage for Lyft and Uber drivers, homeowners and renters insurance, and life insurance. USAA members can also elect for additional health insurance benefits, pet insurance, and dozens of other unique coverage options. All of these options make USAA a one-stop shopping option for your insurance needs.

Discounts

USAA offers several unique discounts for military members. For starters, active-duty military who store their vehicle on a military base can receive a 15% discount. Furthermore, if you store your car while deployed overseas, USAA offers a 60% discount on your monthly premium. Children of USAA members also receive a 10% discount. In addition, USAA gives discounts based on mileage, so military members who live on base or end up deployed during part of the year can save money when they don't accrue miles on their vehicle.

USAA also offers comparable discounts to most other insurance companies, including:

Availability

USAA provides coverage in all 50 states and Washington, D.C., but limits who is eligible for military car insurance. People who can enroll include:

  • Those currently enlisted in the Air Force, Army, Coast Guard, Marines, Navy, and National Guard
  • Retired or honorably discharged military members
  • Those in U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning
  • Family, including current wives, widows, widowers, un-remarried former spouses, and children whose parents have or had USAA insurance

Customer Satisfaction

USAA exclusively offers car insurance for military members and their families and provides them with great service. It has some of the highest customer satisfaction ratings in the industry. In fact, J.D Power awarded USAA the highest rating out of any insurance company in its 2020 U.S. Auto Insurance Study.

USAA also holds top marks for financial strength with an A++ rating from AM Best.

Read the full review: USAA Car Insurance

GEICO: Best Military Discounts

GEICO

Did you know that GEICO stands for Government Employees Insurance Company? With that knowledge, perhaps it should come as no surprise that GEICO offers some of the best discounts on military car insurance.

Pros and Cons

Pros
  • 15% discount for all current and former military

  • Extensive coverage and discount options

  • Available in 47 states

Cons
  • Less options and discounts for active duty deployment than USAA offers

  • No discounts for children of military members

Coverage

GEICO offers some of the most extensive car insurance coverage options in the country. Available types of coverage include:

  • Bodily injury and property damage liability coverage
  • Collision and comprehensive
  • Personal injury protection
  • Uninsured motorist coverage
  • Guaranteed asset protection (GAP) insurance
  • Mechanical breakdown insurance
  • Rideshare insurance
  • Emergency roadside assistance
  • Rental car reimbursement

GEICO also provides policies for various vehicles like motorcycles, all-terrain vehicles (ATVs), boats, and RVs. If you use your vehicle for multiple purposes, the company also offers rideshare coverage, Mexican travel insurance, antique auto coverage, and commercial vehicle policies.

In addition to vehicle coverage, GEICO has other coverage types, like homeowners and renters insurance, personal liability insurance, life insurance, and identity theft protection.

Discounts

The best part of GEICO's military car insurance is the discount options. In fact, it offers a 15% discount for all active duty and retired military as well as National Guard members and reserves, no strings attached. The company also offers emergency deployment discounts for those deployed to areas of "imminent danger" and store their vehicle during deployment. Other federal employees or retired military who have a federal job can receive a discount off their monthly premiums.

In addition to these military-specific discounts, GEICO has nearly 20 other discount options based on your vehicle's included equipment, your driving history and habits, loyalty to GEICO, and any applicable driver's training. The easiest way to determine how much you'll save with GEICO is by obtaining a free online quote.

Availability

GEICO offers coverage in 47 states and Washington, D.C., which makes it an outstanding choice in just about the whole country. Furthermore, anyone is eligible for its car insurance and wide array of discounts.

Customer Satisfaction

In addition to the great coverage options and nationwide availability, GEICO also maintains some of the highest customer service ratings in the industry. In fact, the company maintains an A+ rating with the Better Business Bureau (BBB).GEICO has an A++ rating in financial strength with A.M. Best.Furthermore, J.D. Power recently awarded GEICO with the top spot in its 2020 Insurance Shopping Study for the North Central, Northwest, and Southwest regions.

Read the full review: GEICO Car Insurance

Esurance: Best for Active Duty

Esurance

Since lapses in coverage can lead to excessive price hikes on your car insurance premium, many active-duty military members continue paying for coverage even when deployed overseas. However, Esurance offers unique options to pause military car insurance when deployed, making it a great choice for any active duty service member.

Pros and Cons

Pros
  • Allows active duty military to cancel coverage without penalty while deployed

  • App that offers personalized discounts

Cons
  • Not available in seven states

  • No flat discount for military service

Coverage

Like GEICO, Esurance offers many types of coverage for drivers while they're on the road, including:

  • Bodily injury and property damage liability coverage
  • Collision and comprehensive
  • Personal injury protection
  • Uninsured motorist coverage
  • GAP insurance
  • Rideshare insurance (in California, Illinois, and New Jersey)
  • Emergency roadside assistance
  • Rental car reimbursement

Esurance will cover your car, motorcycle, or scooter. What's more, you can bundle other policies with Esurance, such as homeowners and renters.

Discounts

Although Esurance doesn't offer a discount for serving in the military, the company does provide a way for military personnel to save on premiums when they’re deployed. Unlike most other insurance providers, Esurance allows active duty service members to cancel and reinstate their military auto insurance policies without counting it as a lapse in coverage. This can save active-duty troops thousands of dollars while deployed and even more over their lifetime.

Esurance also has a large number of discounts available to customers regardless of their military service. In fact, you automatically receive a discount for obtaining an online quote and enrolling in an Esurance policy and another discount if you pay for six months of coverage upfront. Additionally, Esurance offers the following discounts:

  • Multi-car discount for insuring more than one car
  • Homeowner discount just for owning a home
  • Accident-free discount if you go more than five years without an accident
  • A discount if you enroll in Esurance's DriveSense program
  • Safe car discounts based on the safety features of your car

Availability

Car insurance is available across most of the nation (43 states), except for Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming. Additional limitations apply to motorcycle, homeowners, and renters insurance, which are all available in less than 50 states. To determine what coverage is available in your area, consult the Esurance website or contact customer service.

Customer Satisfaction

Although Esurance isn't as notable as some of the other insurance companies on this list, their customer ratings aren't that bad. Esurance, which is owned by Allstate, holds an A+ rating of financial strength from AM Best. It receives an A- rating with the Better Business Bureau. Esurance also received the top spot for the California region and the #2 spot in the Florida region in J.D. Power's 2019 Insurance Study.

However, Esurance does hold a higher-than-average complaint rating from the National Association of Insurance Commissioners. The company received a fairly low rating in J.D. Power's 2019 Claims Satisfaction Study.

Armed Forces Insurance: Best for Veterans and Retired Military

Armed Forces Insurance

USAA isn't the only company that specifically covers military members and their families or the first with that mission in mind. In fact, Armed Forces Insurance (AFI) has been around for more than 130 years—since 1887. If you're a veteran or retired military member, you should definitely consider Armed Forces Insurance when comparing quotes for your car insurance coverage.

Pros and Cons

Pros
  • Long-standing history of competitive coverage

  • Includes coverage for civilians who work for military

  • Available in all 50 states

Cons
  • Non-specified discounts

Coverage

When you enroll in military car insurance from Armed Forces Insurance, you receive coverage for yourself, your spouse, any children or other relatives who live in the same house, and even other licensed drivers who you permit to drive your car. AFI offers many types of car insurance coverage to its members, including:

  • Bodily injury and property damage liability coverage
  • Collision and comprehensive
  • Personal injury protection and medical payments
  • Uninsured and under-insured motorist coverage
  • Emergency roadside assistance
  • Rental car reimbursement

Like USAA, AFI offers one-stop shopping for its members. In addition to car insurance, it has homeowners and renters insurance, plus motorcycle and other recreational vehicle coverage. AFI also offers unique coverage like fire and flood insurance, valuable items policies, pet insurance, and even umbrella policies.

Discounts

Unfortunately, AFI does not list specific discounts on its website and requires extensive information to obtain an online quote. With that being said, the company does claim to offer competitive rates and a variety of discounts based on your driving record, enrollment in multiple policies, and more.

Availability

Armed Forces Insurance offers car, homeowners, and motorcycle insurance in all 50 states and Washington, D.C. through a network of affiliates. Much like USAA, AFI only allows the following people to enroll in policies for car insurance and other types of coverage:

  • Active duty, retired, or honorably discharged military from any branch (including National Guard and Reserves)
  • Active or retired Department of Defense civilian employees
  • Service Academy members, including Merchant Marines or ROTC cadets
  • Children, spouses, ex-spouses, or surviving spouses
  • Active, retired, or former commissioned officer of the NOAA or PHS
  • Former AFI members who canceled coverage and later returned

Customer Satisfaction

Although Armed Forces Insurance is a smaller, lesser-known company in the car insurance space, the company does maintain a few notable ratings. AFI holds an A+ rating from the Better Business Bureau. The company also holds a 3.9/5 star rating with Consumer Advocate, a website that rates companies based on various factors. However, AFI is too small to appear on larger rating metrics like J.D. Power studies.

How Does Car Insurance Work for the Military?

Although the basics of car insurance work the same for military members, coverage for active duty servicemen and women does come with some special rules. For example, many states allow service members to maintain vehicle registration and insurance coverage through their home state regardless of where they're stationed. Keep in mind that each insurance company has different requirements when a service member deploys overseas. Finally, some companies only provide coverage to military members, meaning that you may have more options than the average customer when looking for military car insurance.

What Is a Typical Military Discount?

Just like any other type of discount, car insurance discount rates vary from company to company. However, most military car insurance providers offer a discount of 5% to 15% for active duty and retired military members.

What Car Insurance Companies Offer Military Discounts?

Believe it or not, not all car insurance companies offer military discounts. However, if you're looking for companies who do, check with the following companies to save money on your military car insurance:

  • USAA
  • Armed Forces Insurance
  • Esurance
  • GEICO
  • Farmers
  • Liberty Mutual.

Do Veterans Get Discounts on Car Insurance?

Although not every company extends a military discount to veterans, many do. Car insurance providers who offer veteran discounts include USAA, AFI, GEICO, Liberty Mutual, and Farmers Insurance. As with any coverage or discount offering, you should always check with a customer service representative or local insurance agent to see if a veteran discount is available.

How Can You Get a Military Discount on Car Insurance?

The verification process for car insurance discounts works differently for each individual company, but to receive a discount on military auto insurance, you typically need a state-issued photo ID (driver’s license, state ID card, or passport), as well as one of the following types of military documentation:

  • D214 Member 4 copy
  • Academy appointment letter or ROTC contract
  • Active duty military orders
  • Discharge certificate
  • Leaving and earning statement
  • NGB22

In addition to standard discounts for active military and retired veterans, some car insurance companies, like Esurance, will also allow active duty service members to temporarily cancel their car insurance policy to save money. To do this, you will need proof of deployment (active-duty military orders) and documentation showing that you placed your vehicle in long-term storage for the duration of your deployment.

The Bottom Line

Finding the right car insurance can often feel like an overwhelming task, but a few companies stand out from the pack when it comes to military auto insurance. While you should always compare rates before signing on the dotted line, many military members stand behind the companies that offer exclusive and unique coverage options for active duty service members and veterans.

Methodology

When selecting the best options for military car insurance, we evaluated the ratings of the top 12 car insurance companies from independent rating agencies like J.D. Power and the Better Business Bureau. We also considered unique coverage types and discount offers that are exclusively offered to members of the military, as well as customer reviews from numerous websites. Although we feel confident in our selections, car insurance is never a one-size-fits-all item, so collect quotes from multiple sources before selecting your own military auto insurance.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
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