Best Military Car Insurance

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.

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.

Geico military discounts give savings up to 15% off overall insurance premiums to eligible active duty customers, veterans, and their immediate family members. To apply for a Geico military discount, call 1-800-MILITARY (645-4827). You will be connected to Geico's dedicated military customer service team, who will help determine which discounts may be available to you.

Types of Geico Military Discounts

• Military Discount

Up to 15% in savings on insurance premiums for active duty members, veterans, the National Guard, Army Reserve, or immediate military family members.

• Emergency Deployment Discount

Up to 25% savings on premiums for military members who are deployed to certain “imminent danger pay” zones.

• Membership Discounts

Available to members of professional military organizations and associations, including the Association of the United States Army, the Fleet Reserve Association, and the Armed Forces Benefit Association.

• Auto Insurance Suspension

A pause or reduction of insurance coverage on vehicles stored on a military base while a customer is deployed.

In most states, Geico's overall military insurance premiums are comparable to those of USAA, an insurance company that caters to the U.S. military. However, Geico tends to be less expensive for veterans and those not deployed, while USAA offers better deals to active military, especially members on deployment.

For example, Geico's emergency deployment discount of 25% applies only on deployments to imminent danger zones. USAA's deployment rates apply anywhere overseas. It's a good idea to get a quote from each to determine which may be best for you.

Yes. Anyone can join PenFed. PenFed membership is free for everyone now, but PenFed was originally created to serve U.S. military members and veterans of all branches, as well as federal employees and retirees. PenFed formerly required non-government and non-military applicants to donate to a military charity to be eligible for membership, but they no longer require this. As long as you're a U.S. citizen or permanent resident of the United States, you can join Pentagon Federal Credit Union by simply funding a savings account with at least $5.

All you have to do to apply for PenFed membership is enter your personal information – including your name, address, Social Security number or ITIN, and other info – on the membership form. Before you submit your application for membership, you'll be asked to make a deposit of at least $5 to a new PenFed savings account using a debit card or a bank transfer.

PenFed Membership Eligibility Requirements:

• Must be able to fund a savings account with at least $5
• Must be a U.S. citizen or permanent U.S. resident
• Must have a government-issued photo I.D.
• Must be at least 18 years old

All in all, it's very easy to become a PenFed Credit Union member. To fill out a membership form, visit the PenFed Credit Union website. Alternately, you can apply for membership over the phone by calling 800-247-5626.

Yes, Progressive does have a military discount of 25% off a customer's auto insurance premium, but only in Louisiana. The Progressive military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.

Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Progressive to apply a military discount to your policy, call 1 (800) 776-4737.

Progressive Military Discount Eligibility Requirements

• Active-duty military and based in Louisiana
• Active-duty military, deployed out-of-state or oversea from Louisiana
• Active-duty military, deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

To learn more, check out WalletHub's Progressive review.

Yes, State Farm does have a military discount of 25% off a customer's auto insurance premium, but only in Louisiana. The State Farm military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.

Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask State Farm to apply a military discount to your policy, call 1 (800) 782-8332.

State Farm Military Discount Eligibility Requirements

• Active duty in the military and based in Louisiana
• Active duty in the military, deployed out of state or overseas, but spouse and/or dependents live in Louisiana
• Spouse or dependent (under the age of 18 or an unmarried full-time student under the age of 24) in the same household of an individual who is on active duty in the military and based in Louisiana

To learn more, check out WalletHub's State Farm review.

AAA does not offer a military discount for its car insurance coverage, but the company does offer military discounts on AAA memberships, which are required to qualify for AAA auto insurance. Active-duty military personnel, veterans, members of the National Guard or Reserves, and their families qualify for the AAA military discount.

Even though the company does not have a military discount for auto insurance, AAA has a wide variety of other discounts that can help drivers save money. To learn more, check out WalletHub's AAA review.

Yes, Allstate does have a military discount of 25% off a customer's auto insurance premium, but only in Louisiana. The Allstate military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.

Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Allstate to apply a military discount to your policy, call 1 (877) 366-1607.

Allstate Military Discount Eligibility Requirements

• Active-duty military and based in Louisiana
• Active-duty military, deployed out-of-state or oversea from Louisiana
• Active-duty military, deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

To learn more, check out WalletHub's Allstate review.

Navy Federal does not offer car insurance directly. Navy Federal is a credit union, not an insurance company, so they can't offer auto insurance themselves. Instead, Navy Federal Credit Union partners with Geico and can facilitate discounts on Geico car insurance for NFCU members.

Navy Federal members might be eligible for discounts with Geico due to their military service. New Geico customers who are also military personnel can save up to 15% on their policy, whether they're active or retired from service.

Additionally, Navy Federal members can save on Geico insurance for a stored car while deployed – up to 25% off their regular premium. Maintaining some form of insurance coverage, even if your car is in storage, saves you money in the long run, since insurance companies prefer that customers have a long record of uninterrupted coverage with no lapses.

Aside from members being eligible for Geico discounts, the closest thing to Navy Federal car insurance is the coverage for rental cars offered by Navy Federal Visa credit cards. Cardholders who pay for a rental with a Navy Federal Visa card and decline the rental company's waiver are covered for damage resulting from theft or a collision, up to the full value of the car. Coverage lasts for up to 15 consecutive days in the U.S. or up to 31 consecutive days in a foreign country. There are some exceptions, though – trucks, some vans, and exotic cars aren't covered by Navy Federal's rental car insurance policy.

No, USAA does not offer a military discount to its customers because they must already be affiliated with the military to qualify for coverage. USAA is exclusively available to veterans, servicemembers and their families, so all of its rates are specifically curated for the military community.

However, USAA still offers a variety of discounts that can help drivers save money. To learn more, check out WalletHub's USAA insurance review.

Yes, veterans can get a discount on car insurance from several major car insurance companies, including Geico, Farmers, and USAA. Veteran car insurance discounts save eligible drivers up to 15% on their car insurance premium, depending on the company, and drivers in some states can save even more.

In Louisiana, car insurance companies are required to provide full-time active duty military personnel with a 25% discount. Many insurers also offer additional savings to members of affiliated military groups such as the American Military Retirees Association. 

Car Insurance Companies With Veteran Discounts

• Geico
• USAA
• Armed Forces Insurance
• Farmers
• Liberty Mutual

Rather than offering a military discount by name, USAA and Armed Forces Insurance exclusively serve the military community and are among the cheapest insurers for servicemembers. Additionally, USAA provides 15% off comprehensive insurance for policyholders who garage their vehicle on a military base during deployment.

In order to receive a military/veteran car insurance discount, you need to call the insurance company to verify your military status and receive a customized quote. To learn more, check out WalletHub's guide to military car insurance.