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 most savings for military members.
Drivers who qualify for military car insurance can receive discounts of up to 15%, depending on their insurer. And some states, like Louisiana, have laws requiring insurers to offer even larger discounts to military servicemembers. In addition to direct discounts, military car insurance often provides special perks including payment deferrals, military-specific customer service, and policy flexibility during deployment.
Best Military Car Insurance Companies
- Geico
- USAA
- Armed Forces Insurance
- Progressive
- State Farm
Military Car Insurance Options
We have gathered details on special military offers from the largest car insurance companies, plus Armed Forces Insurance, a smaller insurer that specifically serves this market.
Allstate
Allstate does not offer a specific military discount, but it does provide special accommodations during deployment. Perks such as payment deferral and comprehensive-only insurance make Allstate a good choice for military servicemembers looking for flexible insurance.
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
American Family does not offer a specific military discount. However, they do overlook lapses in coverage during active duty.
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
Armed Forces Insurance caters exclusively to the military community, making it one of the best options for military car insurance. In addition to competitive rates, they offer comprehensive-only insurance and allow active duty members to avoid penalties for lapses in coverage.
User Rating on WalletHub: 4.7/5
Military Discount: Varies by state
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
Farmers is a great option for servicemembers who want to save on their premium, thanks to its 10% discount for military customers. However, unlike many other insurers, Farmers does not offer extra services or accommodations for servicemembers, beyond what’s required by law.
User Rating on WalletHub: 3.7/5
Military Discount: About 10%
Other Accommodations and Incentives
- None offered
Geico
Geico advertises the largest military discount among major insurers, offering up to 15% in savings. Because of their substantial discount and military-specific customer service, Geico is one of the best military car insurance companies.
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 Association of the United States Army, Fleet Reserve Association, Armed Benefits Association, Navy League of the United States, Navy Federal Credit Union, and American Society of Military Comptrollers.
- 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
Liberty Mutual offers a competitive 10% military discount for car insurance, as well as additional savings for members of the Military Benefits Association. In addition, Liberty Mutual’s comprehensive-only insurance option makes them a great choice for active servicemembers anticipating deployment.
User Rating on WalletHub: 3.2/5
Military Discount: Up to 10%
Other Accommodations and Incentives
- Comprehensive-only insurance is available
- Special discounts for members of the Military Benefits Association
MetLife
MetLife doesn’t have a general military discount, but customers can receive a discount if they are members of Navy Federal Credit Union.
User Rating on WalletHub: 3.6/5
Military Discount: No discount is offered
Other Accommodations and Incentives
- Special discounts for members of Navy Federal Credit Union
Nationwide
Nationwide does not offer a military discount, but its flexible military accommodations still make it a good option for servicemembers. In addition to selling comprehensive-only insurance, Nationwide overlooks any lapses in coverage during active duty.
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
Progressive
Progressive does not have a military discount, but they still provide special perks for active duty military members. Specifically, they offer reduced rates for vehicle storage and overlook lapses in coverage.
User Rating on WalletHub: 2/5
Military Discount: No discount is offered
Other Accommodations and Incentives:
- Reduced rates for vehicle storage
- Lapses while on active duty are treated as continuous coverage
State Farm
State Farm does not offer a military discount, but they do allow drivers to temporarily suspend coverage if they plan to store their vehicle for 30 days or more. In addition, State Farm offers comprehensive-only plans for customers storing a vehicle during deployment.
User Rating on WalletHub: 3.8/5
Military Discount: No discount is offered
Other Accommodations and Incentives:
- No charge to suspend insurance coverage
- Comprehensive-only plans when storing a vehicle
Travelers
Travelers does not offer as many options as most of its competitors. The only perk available to servicemembers is the option to purchase comprehensive-only insurance.
User Rating on WalletHub: 2.7/5
Military Discount: No discount is offered
Other Accommodations and Incentives:
- Comprehensive-only insurance is available
USAA
USAA exclusively serves the military community, which means its services are specifically curated to meet the needs of servicemembers and their families – the only people who qualify for USAA membership. In addition to competitive prices for military personnel, USAA offers 15% off comprehensive coverage for drivers who garage their vehicle on base during deployment.
User Rating on WalletHub: 3.1/5
Military Discount: Up to 15% off comprehensive coverage when you garage your vehicle on base.
Other Accommodations and Incentives
- Only available to current and former service members and their families
Tips for Military Insurance
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, the SCRA provides certain types of financial protection to active-duty military personnel. For example, the SCRA mandates that service members cannot lose personal insurance or life insurance as a result of active duty obligations. By understanding how the SCRA protects you, you can better protect your financial well-being when you’re deployed.