Military car insurance policies are coverage options that provide discounts and special benefits to military personnel, veterans, and members of certain military associations. The best military car insurance companies are USAA and Geico, as they offer the largest discounts for military members.
Key Features of Military Car Insurance
- Direct discounts of up to 15%
- Additional discounts through military associations
- Perks including payment deferrals and military-specific customer service
- Policy flexibility during deployment
Best Military Car Insurance Companies
- Geico
- USAA
- Armed Forces Insurance
- Progressive
- State Farm
- Farmers
- Travelers
- Liberty Mutual
- MetLife
- Allstate
- Nationwide
- American Family Mutual
Military Car Insurance Options
We have gathered details on the special offers from the largest car insurance companies, plus Armed Forces Insurance, a smaller insurer that specifically serves this market.
Allstate
User Rating on WalletHub: 3.5/5
Military Discount: None available
Other Accommodations and Incentives
- During overseas deployment, payments can be deferred and comprehensive-only insurance is available
American Family Mutual
User Rating on WalletHub: 2.7/5
Military Discount: None available
Other Accommodations and Incentives
- Lapses while on active duty are treated as continuous coverage
Armed Forces Insurance
User Rating on WalletHub: 4.7/5
Military Discount: varies by sate
Other Accommodations and Incentives
- Coverage is only available to DOD, U.S. military, families and veterans
- Lapses while on active duty are treated as continuous coverage
- Comprehensive-only insurance is available
Farmers
User Rating on WalletHub: 3.7/5
Military Discount: About 10%
Other Accommodations and Incentives
- None offered
Geico
User Rating on WalletHub: 3.4/5
Military Discount: Up to 15%
Other Accommodations and Incentives
- Military-specific customer service
- Special discounts for members of the Armed Benefits Association
- Emergency Deployment Discount applies if: 1) You have received orders to one of the DOD designated areas and 2) Your vehicle is stored under an approved storage protection plan
Liberty Mutual
User Rating on WalletHub: 3.2/5
Military Discount: available in some states
Other Accommodations and Incentives
- Comprehensive-only insurance is available
- Special discounts for members of the American Military Retirees Association
MetLife
User Rating on WalletHub: 3.6/5
Military Discount: varies by state
Other Accommodations and Incentives
- Special discounts for members of Navy Federal Credit Union
Nationwide
User Rating on WalletHub: 3.6/5
Military Discount: No discount is offered
Other Accommodations and Incentives:
- Lapses while on active duty are treated as continuous coverage
- Comprehensive-only insurance is available
- Special discounts for members of VetFriends
Progressive
User Rating on WalletHub: 2/5
Military Discount: Available in some states
Other Accommodations and Incentives:
- Reduced rates for vehicle storage
- Lapses while on active duty are treated as continuous coverage
State Farm
User Rating on WalletHub: 3.8/5
Military Discount: Available in some states
Other Accommodations and Incentives:
- No charge to suspend insurance coverage
- Comprehensive-only plans when storing a vehicle
Travelers
User Rating on WalletHub: 2.7/5
Military Discount: None available
Other Accommodations and Incentives:
- Comprehensive-only insurance is available
USAA
User Rating on WalletHub: 3.1/5
Military Discount: Up to 15% on comprehensive coverage
Other Accommodations and Incentives
- Only available to current and former service members and their families
- Comprehensive discount when garaging a vehicle on base
Military Car Insurance Tips
1. Save on Costs During Deployment
If you’re going to store your car in a safe place while you’re deployed, you’ll want to ask your insurance company about lowering your rates while you’re gone. Since you won’t be driving, you might be able to temporarily get a comprehensive-only insurance policy that will protect your car against things like flood, theft or fire. If another driver is going to be using the car, you can also temporarily remove yourself from the policy.
2. Understand Your State’s Insurance Laws
Some states allow deployed military service members to temporarily suspend or cancel their insurance, which could be a viable choice if your car is stored in a safe place. But it’s a risky move, as it leaves you financially liable if anything should happen to the vehicle.
3. Look for discounts connected to military associations
Military associations that offer insurance discounts as a benefit usually have a special relationship with one insurance company. As with other discounts, these benefits vary quite a bit by state, so check with your association and get a quote from the insurer.
4. Know your rights under the Service Members Civil Relief Act (SCRA)
Although it’s not specific to car insurance, SCRA is designed to protect your financial well-being when you’re deployed.