Who has the cheapest car insurance for military?

USAA insurance is only for military members, veterans, and their families. Once someone becomes a USAA member, USAA eligibility can be passed down through their spouse and children, even if the family members themselves never join the military

Who Can Qualify for USAA Insurance?

• Active, retired, and honorably discharged members of the U.S. military... read full answer
• Cadets and midshipmen of U.S. service academies
• Children and step-children of current members
• Spouses and widows/widowers of current members
• Former military spouses who have not remarried

To learn more, check out WalletHub’s USAA insurance review.

Yes, USAA insurance rates are competitive, since the company is one of the five cheapest insurers nationally, according to WalletHub’s cheap car insurance analysis. USAA car insurance costs an average of $487 per year, or $41 per month.

USAA’s car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.... read full answer

Sample USAA Car Insurance Rates

Note: These rates are approximations based on sample quotes from USAA. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete USAA car insurance review.

Individuals eligible for USAA membership include active, retired, and honorably separated members of the U.S. military; cadets and midshipmen at U.S. service academies; and their eligible family members. Children (including step-children), spouses, widows/widowers, and former spouses who have not remarried are all considered eligible. For children to be eligible, the parent must join USAA while living.... read full answer

Once someone becomes a USAA member, eligibility then extends to their family members (even if those family members aren’t in the military). For instance, if the child of someone who was a USAA member also joins USAA, that person’s spouse and kids are then eligible for membership as well. It can continue passing down that way. Eligibility does not extend to siblings or parents.