Best Military Car Insurance

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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

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:

• Multi-car and multi-policy discounts
• Safe driver discounts
• New vehicle discounts
• Loyalty discounts

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 2021 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

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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

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
• Mechanical breakdown 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 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 50 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. GEICO has an A++ rating in financial strength with AM Best.

Furthermore, J.D. Power awarded GEICO an above-average ranking in customer satisfaction for California, Central, and New England in its 2021 Insurance Shopping Study for the North Central, Northwest, and Southwest regions.

Read the full review: GEICO Car Insurance

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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

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. The company 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.