Geico and USAA have the cheapest car insurance for military service members. Geico and USAA are some of the cheapest auto insurance companies overall, and they offer specialty coverage options and discounts for military service members. Anyone can get insurance from Geico, but USAA is only available to military service members, veterans, and their families.
Insurance rates vary by state, company, and individual driver, so the best way to find cheap coverage is to get multiple quotes. You should also ask your insurer if they offer special discounts for service members or for members of certain military groups. For example, Liberty Mutual offers an affiliation discount for members of the Military Benefits Association.
To learn more about cheap coverage for service members, check out WalletHub’s complete guide to military car insurance.
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
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 $633 annually, or $53 per month.
USAA’s car insurance rates are based on your driving record and experience, along with … read full answerfactors 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.
Sample USAA Car Insurance Rates
Average Annual Cost of Minimum Coverage
These sample quotes are representative of USAA’s insurance prices, but individual results 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.
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