Best Military Car Insurance

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.  

Cheapest Car Insurance Companies for the Military

• Geico
• USAA
• Erie
• Auto Owners
• State Farm

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.

No, the military does not pay for car insurance. Military personnel are required to purchase their own car insurance coverage, though most major auto insurance companies offer discounts and special services for military service members, making it easy to find affordable and flexible coverage.

Members of the military are still required to purchase enough car insurance coverage to fulfill their state's car insurance requirements. If you will be storing your car during deployment, you can temporarily cancel your coverage as long as you turn in your license plates or file an affidavit of non-use. However, you will be financially responsible for anything that happens to the car while you're gone, and insurance companies might question the lapse in coverage in the future. Instead, many insurers allow you to purchase comprehensive-only coverage when your car is in storage during deployment.

For more details, check out WalletHub's guide to military car insurance.

Car insurance for the military costs an average of $570 per year from cheap companies with a variety of benefits for military service members, such as Geico and USAA. On the other hand, insurance from a company without as many military perks generally costs around $720 annually for a minimum coverage policy.

Average Cost of Military Car Insurance by Company

Depending on the company, you may be able to qualify for a special discount as a military service member or veteran. Similarly, members of certain military associations may be able to get an affiliation discount through a specific insurance company. For instance, Liberty Mutual has an affiliation discount for members of the Military Benefits Association.

To learn more, check out WalletHub's guide to the best 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
• 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, 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.

Insurance companies that provide discounts for military members and families include Geico, Liberty Mutual, and Farmers. However, availability might vary based on the state you reside in as other insurance companies might only offer a military discount for specific states. For example, almost all insurance companies are required to offer a military discount in Louisiana due to state law.

It's also worth checking out USAA when it comes to military insurance. Although they don't offer a military discount, all of their insurance products are targeted towards military personnel and their families, so you get other discounts and bonuses tailored specifically for drivers associated with the US military.

Yes, Geico's military insurance discounts offer savings on coverage for members of the military community. Geico also has a dedicated military customer service team, staffed with veterans from all military branches who are available to answer questions 24/7 at 1-800-MILITARY (645-4827).

Active duty, reserve, retired military, and National Guard customers can get savings of 2% to 15% off Geico's regular car insurance premiums in all states except Georgia, Indiana, Maine, Massachusetts, Michigan, Mississippi, New Jersey, New Mexico, Tennessee and Texas. In these states, military insurance discounts are limited or prohibited.

Geico also offers affiliation discounts of up to 25% off its regular premiums for members of the Association of the United States Army, the Fleet Reserve Association, and the Armed Forces Benefit Association.

If you are active duty military and deployed to an “imminent danger pay” zone, your policy can be up to 25% cheaper under Geico's emergency deployment discount program.

Wherever you are deployed, there are other ways to save if you leave your car in the U.S. in an approved, secure location, such as on base. You may be eligible for up to 70% off your full coverage premiums. For example, Geico may be able to suspend your liability and personal injury protection coverage and leave only property damage insurance — collision and comprehensive — on the car. Leasing and financing companies normally require at least property damage coverage, even if you aren't using the vehicle. However, without liability coverage, no one can legally drive the car during this period – neither your family nor you, if you come home on leave.

Finally, if you are deployed for 30 days or more, Geico may be able to suspend all of your car insurance. This does leave you open to losses if your car is damaged for any reason. However, it is better than cancelling your policy, because you will not have to turn in your tags and then re-register and re-insure the car when you return.

Geico Military Benefits:

• Military premium discount of 2% - 15% in most states
• Affiliation discounts for members of military organizations
• Special deployment perks, such as savings for safe vehicle storage
• Dedicated customer service line - 1-800-MILITARY (645-4827)

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. However, there is no official State Farm military discount for drivers in other states.

Louisiana is the only state that requires car insurance companies to offer military discounts, so service members 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

• Are an Active Duty Soldier based in Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas from Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

Drivers who do not live in Louisiana but are military personnel may be eligible for other State Farm discounts. For instance, State Farm offers a good driver discount if you have maintained a clean driving record for several years.

To learn more, check out WalletHub's State Farm review, as well as our picks for the best military car insurance companies.

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. However, there is no official Allstate military discount for drivers in other states.

Louisiana is the only state that requires car insurance companies to offer military discounts, so service members 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

• Are an Active Duty Soldier based in Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas from Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

Drivers who do not live in Louisiana but are military personnel may be eligible for other Allstate discounts. For instance, Allstate offers a good driver discount if you have maintained a clean driving record for several years.

To learn more, check out WalletHub's Allstate review, as well as our picks for the best military car insurance companies.

No, USAA does not offer a special military discount to customers. USAA is exclusively available to veterans, service members 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.