Best Auto Insurance for Disabled Veterans: Top Companies & Discounts (2026)
Erie, USAA, and Liberty Mutual provide the best auto insurance for disabled veterans. Erie is our top pick for efficient claims service, while USAA stands out for its affordable member pricing, starting at $33 per month. These companies offer broad coverage and military-related savings for eligible veterans.
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Insurance and Finance Writer
Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...
Alexandra Arcand
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated September 2026
The best auto insurance for disabled veterans comes from Erie, USAA, and Liberty Mutual, with Erie topping the list for its excellent claims handling.
- Erie provides the best auto insurance claims handling for disabled vets
- USAA stands out with military-focused pricing and benefits for veterans
- Liberty Mutual offers discounts that help disabled vets save on coverage
Disabled veterans can take advantage of savings through military discounts offered by insurance companies.
Keep in mind that car insurance discounts for disabled veterans can vary by insurer. That’s why it’s important to get quotes from multiple providers that suit your needs and budget.
Top 10 Companies: Best Auto Insurance for Disabled Veterans
| Company | Rank | Claims Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 743 / 1,000 | A+ | Easy Claims |
 | #2 | 741 / 1,000 | A++ | Military Drivers |
 | #3 | 730 / 1,000 | A | Broad Coverage |
 | #4 | 729 / 1,000 | A+ | Deductible Perks |
 | #5 | 720 / 1,000 | A | Roadside Help |
 | #6 | 716 / 1,000 | A+ | Risky Drivers |
 | #7 | 702 / 1,000 | A | Loyalty Perks |
 | #8 | 691 / 1,000 | A++ | Safety Tools |
 | #9 | 673 / 1,000 | A+ | Bundle Savings |
 | #10 | 672 / 1,000 | A | Low Deductible |
Some car insurance companies offer better military discounts than others. Most car insurance companies offer auto insurance for veterans and their families, not just active military members.
Many car insurers also offer additional auto insurance discounts. Use our free quote tool above to find the best auto insurance providers for your needs and budget.
Auto Insurance Disabled Veterans Should Consider
Disabled veterans should get the right auto insurance coverage to protect their savings and their car in case of an accident or other covered loss.
Compare coverage limits, deductibles, exclusions, military discounts, and whether or not adaptive equipment is covered before you buy insurance.
You should also consider how the insurance company handles claims, its financial strength, and its customer service to make sure you’ll have help when you need it most.
Before you buy insurance, make sure that any wheelchair lifts or other modifications that make your car more accessible are fully covered. Compare options in our guide: Auto Insurance for Wheelchair Accessible Vehicles
USAA also offers new car replacement coverage, which can help disabled veterans replace a totaled newer vehicle. This may be especially useful when finding another vehicle that meets their accessibility needs.
Disabled Veterans Auto Insurance Coverage Options
| Protection | What it Covers |
|---|---|
| Accident Forgiveness | Prevents rate increases after accidents |
| Adaptive Equipment | Covers accessibility vehicle modifications |
| Better Replacement | Replaces with a newer vehicle |
| Classic Vehicle | Covers collector vehicle value |
| Collision | Covers vehicle collision repairs |
| Comprehensive | Covers theft and non-collision damage |
| Custom Equipment | Covers aftermarket vehicle upgrades |
| Deductible Rewards | Reduces deductible after claim-free years |
| Gap Insurance | Covers remaining loan balance |
| Liability | Covers injuries and property damage |
| Medical Payments | Covers accident-related medical expenses |
| New Vehicle | Replaces totaled new vehicles |
| OEM Parts | Covers original manufacturer parts |
| Personal Injury | Covers medical bills and lost wages |
| Rental Car | Covers temporary rental vehicle costs |
| Rideshare | Covers rideshare driving periods |
| Roadside Help | Covers towing and emergency services |
| Underinsured | Covers costs beyond liability limits |
| Uninsured | Covers uninsured driver damages |
To keep your out-of-pocket costs low, choose a deductible you can easily pay and look for discounts like military, safe driver, multi-policy, and car safety.
You’ll find the best disabled veterans car insurance at a good price and avoid extra costs later if you use our free quote tool to get veterans auto policy quotes from more than one company.
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Compare Insurance Rates for Disabled Veterans
Getting a cost comparison on the best auto insurance for disabled veterans isn’t different from getting a standard quote from the cheapest auto insurance companies.
However, some providers do require additional information or documents, such as a DD Form 214, a Veterans ID card, or proof of military eligibility.
Depending on the provider, disabled veterans may qualify for military discounts or lower car insurance rates.
If you’re a high-risk driver, you might want to look into State Farm, as they usually offer the best rates for high-risk drivers. But compare auto insurance quotes for disabled veterans online first to find the cheapest insurer near you.
How Insurers Calculate Costs for Disabled Veterans
Getting auto insurance as a disabled veteran is no different from getting standard car insurance from other providers.
However, some companies require additional documents that prove that you are affiliated with the military and that you are a disabled veteran.
Companies consider location, credit score, and driving history when setting car insurance rates for disabled veterans.
Factors beyond your credit score and driving record, including age and gender, can also affect how much you pay.
How a Veteran’s Age and Gender Affect Auto Insurance Prices
Car insurance rates for disabled soldiers may differ by age and gender, since insurers use these factors to calculate monthly premiums.
The bar graph below compares how these factors can change the cost of minimum and full coverage.
Age and gender are just two of the many factors that affect insurance rates. The total cost of insurance still depends on the type of coverage you choose, your claim history, your location, and your vehicle. See More: Top Factors Influencing Car Insurance Rates
Insurance providers may consider vehicle modifications or adaptive equipment when determining coverage needs, but they cannot charge higher rates solely because a driver has a disability.
How Location Impacts Disabled Veteran Car Insurance Costs
Where disabled veterans live can affect their car insurance costs. Rates vary by state because of local laws, traffic, weather risks, claims frequency, and repair costs.
The map compares estimated rates across the country. It shows where minimum and full coverage may cost more or less each month.
Coverage level also affects insurance costs. Minimum coverage costs less each month but only meets the state’s basic requirements, while full coverage costs more but provides greater protection if a car is damaged or stolen.
Get multiple auto insurance quotes for disabled vets from different providers, so you have more options that fit your needs and budget.
Car Insurance Costs for Disabled Veterans Based on Coverage Amounts
USAA is the most affordable provider in our comparison at $33 a month. Its coverage is available to eligible military members, veterans, and qualifying family members.
AAA and Erie also rank as top choices for roadside assistance and claims handling. For better protection, it is also worth checking which companies offer personal injury protection.
Disabled Veteran Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $201 |
| $41 | $146 |
| $37 | $131 |
| $61 | $193 |
| $46 | $171 |
| $47 | $164 |
| $49 | $178 |
| $39 | $144 |
| $38 | $135 |
| $33 | $125 |
Some insurance providers, such as Liberty Mutual, offer vehicle safety discounts as part of their coverage, something particularly important for disabled veterans.
Enter your ZIP code to compare car insurance quotes for disabled veterans from providers in your area.
Impact of Credit Score on Disabled Veteran Insurance Prices
In most states, auto insurance companies use credit-based insurance scores to estimate how likely drivers are to file a claim.
If a disabled veteran has a excellent or good auto insurance credit, their rates may be lower. If they have bad credit, their rates may be higher, even with a clean driving record.
Disabled Veteran Auto Insurance Monthly Rates by Credit Score
| Company | Excellent (800+) | Good (670–799) | Fair (580–669) | Poor (<580) |
|---|---|---|---|---|
| $58 | $65 | $85 | $124 |
| $41 | $69 | $90 | $131 |
| $37 | $56 | $73 | $107 |
| $61 | $82 | $107 | $156 |
| $46 | $63 | $82 | $120 |
| $47 | $71 | $92 | $135 |
| $49 | $72 | $94 | $137 |
| $39 | $59 | $77 | $112 |
| $38 | $70 | $91 | $133 |
| $33 | $49 | $64 | $93 |
Some states don’t allow insurers to use credit when setting auto insurance rates, so your credit score won’t affect your premiums in those states.
Veterans with disabilities can also find cheaper insurance by getting quotes from multiple companies, even with bad credit.
How Traffic Violations Affect Insurance Prices for Disabled Veterans
One of the most important factors auto insurance companies consider when setting rates is your driving record. Veterans who are disabled and have a clean record usually get lower rates.
On the other hand, recent accidents, speeding tickets, or DUI convictions can make insurance costs much higher.
Disabled Veteran Auto Insurance Monthly Rates by Driving Record
| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $58 | $75 | $95 | $67 |
| $41 | $79 | $101 | $72 |
| $37 | $65 | $82 | $58 |
| $61 | $95 | $120 | $85 |
| $46 | $73 | $92 | $66 |
| $47 | $82 | $104 | $73 |
| $49 | $81 | $102 | $72 |
| $39 | $68 | $85 | $61 |
| $38 | $80 | $101 | $71 |
| $33 | $56 | $72 | $50 |
Keeping a clean driving record over time may help drivers get lower insurance rates and qualify for safe-driving discounts.
Even if you’ve had a violation, getting quotes from several car insurance companies can help disabled veterans find good deals because each provider evaluates your driving record differently.
Choosing an insurer with strong claims handling and flexible coverage can provide greater peace of mind than focusing on price alone.
Brad Larson Licensed Insurance Agent
However, if you think you fall into the category of drivers with a less-than-ideal driving record, you might also want to check out insurance providers that offer cheap auto insurance for those with a bad driving record.
It’s important to know what your car insurance covers and what extras you can get to stay safe and stay within your budget.
Ways to Save on Disabled Veteran Car Insurance
Many auto insurance companies offer military discounts to eligible active-duty members and veterans, including disabled veterans.
However, veterans with disabilities are usually eligible for the standard military discount rather than receiving an additional veteran-specific discount.
Most insurance companies that offer military car insurance discounts also offer savings to eligible disabled veterans. Learn More: Best Auto Insurance for Military Families and Veterans
However, veterans with disabilities are usually eligible for the standard military discount rather than receiving an additional veteran-specific discount.
Top Auto Insurance Discounts for Disabled Veterans
| Company | Anti-Theft | Bundling | Military | Usage-Based |
|---|---|---|---|---|
| 10% | 13% | 10% | 20% |
| 10% | 20% | 15% | 25% |
| 10% | 16% | 12% | 25% |
| 20% | 12% | 30% | 30% |
| 20% | 18% | 30% | 40% |
| 10% | 10% | 25% | 30% |
| 15% | 12% | 25% | 30% |
| 15% | 18% | 25% | 30% |
| 10% | 15% | 25% | 30% |
| 15% | 10% | Member Pricing | 30% |
In Louisiana, state law requires insurers to offer active-duty and retired military members a 25% discount on eligible insurance policies. Get more details in our guide: Louisiana Auto Insurance Review
If you’re a disabled veteran, compare free quotes from insurance companies near you to find the most affordable coverage.
Other Ways Disabled Veterans Can Lower Their Car Insurance Bill
Disabled veterans can lower their car insurance bill by maintaining a clean driving record and choosing coverage that fits their needs and budget. Keeping a clean driving record over time may help drivers get lower insurance rates.
Minimum coverage costs less each month, while full coverage provides greater protection if your car is damaged or stolen. You can also choose a deductible you can easily pay to keep your out-of-pocket costs manageable.
The total cost of insurance also depends on your location, vehicle, chosen coverage, and past claims history. Comparing quotes from several car insurance companies can help disabled veterans find cheaper insurance.
If you know what kind of coverage you need, compare rates from insurance companies in your area to find the best veteran car insurance that fits your needs and budget using our free quote tool.
Car Insurance Options for Military Members & Veterans
USAA isn’t the only car insurance choice for military members and veterans. Armed Forces Insurance is designed for the military community, while Geico, Liberty Mutual, and Direct Auto give military discounts to eligible drivers.
Discounts and eligibility rules vary by company. Some benefits are available to veterans and retired personnel, while others are limited to active-duty members or certain states.
- USAA: Serves eligible military personnel, veterans, and their families. Explore More: USAA Auto Insurance Review
- Armed Forces Insurance: According to our review of Armed Forces auto insurance, the company offers coverage to eligible active-duty members, veterans, military families, and other military-affiliated groups.
- Geico: Offers eligible active-duty, retired, National Guard, and Reserve members a military discount of up to 15%. Find More: Geico Auto Insurance Review
- Liberty Mutual: Our review of Liberty Mutual auto insurance states that the company offers a military discount to eligible active, retired, and reserve members of the U.S. Armed Forces.
- Direct Auto: Offers active-duty members up to 14% off in Alabama, Florida, and Louisiana. Read More: Direct Auto Auto Insurance Review
USAA remains a top choice because it focuses on military personnel, veterans, and eligible family members. Instead of an additional military or disabled veteran discount, its rates and benefits are designed around the military community.
USAA also offers military-focused benefits not commonly available through standard auto insurance companies.
USAA Auto Insurance Benefits for Disabled Veterans
| Feature | How it Helps |
|---|---|
| Deployment Policy Support | Makes coverage easier during deployment |
| Flexible Payment Schedule | Works with military or VA pay schedules |
| Military-Exclusive Pricing | Includes built-in rates for eligible members |
| Military-Focused Claims | Helps with claims during military moves |
| Legacy Member Savings | Offers savings for eligible military families |
| On-Base Garaging Discount | Saves up to 15% for on-base garaging |
| Overseas Insurance Help | Helps manage coverage while overseas |
| Vehicle Storage Discount | Saves up to 60% for stored vehicles |
For instance, USAA offers separate discounts for stored vehicles and vehicles garaged on a military installation.
These specific discounts can provide additional savings for eligible military members and veterans. Read a more in-depth review of its benefits in our guide: Erie vs. USAA Insurance Review
USAA offers some of the most military-focused benefits, but it may not be the best choice for every veteran.
Compare its rates with Armed Forces Insurance, Geico, Liberty Mutual, and Direct Auto to find coverage that fits your needs.
How Auto Insurance Companies Evaluate Disabled Veterans
Auto insurance companies generally evaluate disabled veterans using the same rating factors applied to other drivers, including driving history, location, vehicle, and coverage.
Insurers cannot charge drivers higher rates solely because of a disability. However, they may request proof of military service to confirm eligibility for certain programs, benefits, or discounts.
Your insurance company should tell you how to verify your military status, but generally, you may need to provide discharge documents or other proof of military service.
Kristen Gryglik Licensed Insurance Agent
A disability generally isn’t an auto insurance rating factor, but it may affect state licensing requirements if it impacts a person’s ability to drive safely. For example, veterans with vision impairments may need to meet additional vision or licensing requirements depending on their state.
A poor driving record, including accidents or DUI convictions, can still result in higher rates because insurers evaluate driving history when calculating premiums.
Read More: High-Risk Auto Insurance
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Top 10 Car Insurance Companies for Disabled Veterans
We evaluated insurers based on claims satisfaction, financial strength, coverage options, discounts, and benefits relevant to veterans.
USAA, Erie, State Farm, Progressive, and AAA are the five largest companies in our comparison offering car insurance to disabled veterans.
The visual above compares the relative market share of these five insurers. Percentages are calculated within this group and do not represent each company’s share of the overall U.S. auto insurance market.
Market share shows company size within this group, but a larger insurer is not always the best choice. Learning how to choose an auto insurance company can help you compare eligibility, coverage, rates, financial strength, and claims service.
#1 – Erie: Top Overall Pick
Pros
- Claims Handling: Erie is our top pick for claims handling, with rates averaging $37 per month.
- Policy Combination Options: Offers flexibility in bundling different types of insurance policies for convenience and cost savings.
- Personalized Coverage Plans: Provides a variety of coverage options that can be tailored to fit individual needs. Discover more details in our guide: Erie Auto Insurance Review
Cons
- Challenges with Mobile Application: Some users have experienced difficulties with the mobile app’s functionality.
- Restricted State Availability: Erie is available in 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, and Pennsylvania.
#2 – USAA: Best for Military Drivers
Pros
- Military-Focused Pricing: USAA offers competitive rates and coverage options to eligible military members, veterans, and their families.
- Easy-to-Use Mobile App: The USAA mobile app lets customers manage policies, file claims, and access roadside assistance.
- Good Customer Service Ratings: USAA consistently ranks highly for its customer service and support. Read More: USAA Auto Insurance Review
Cons
- DUIs Drastically Increase Rates: USAA has a strict policy regarding DUIs and may drastically increase rates or terminate coverage for high-risk drivers.
- Limited Availability: USAA is only available to current and retired military members and their families.
#3 – Liberty Mutual: Best for Broad Coverage
Pros
- MexPro Coverage for Travel to Mexico: Liberty Mutual offers special coverage options through MexPro for drivers who take their vehicles into Mexico.
- High Digital Experience Rating: Liberty Mutual received higher-than-average ratings for its shopping experience and customer service.
- Multiple Discount Opportunities: Our Liberty auto insurance review lists several discounts that can lower military car insurance premiums.
Cons
- Subpar Claims Satisfaction: Liberty Mutual received a below-average score in a recent J.D. Power U.S. Auto Claims Satisfaction Study.
- Higher Complaints Ratio: The NAIC reports above-average complaints against Liberty Mutual for auto insurance.
#4 – Nationwide: Best for Deductible Perks
Pros
- Deductible Savings: Rewards disabled veterans with safe driving records by reducing collision deductibles over time.
- Online Claims Filing: Nationwide allows policyholders to file and manage claims online.
- Rideshare Coverage: Nationwide offers rideshare coverage for drivers who work for services like Uber or Lyft.
- Discounts Available: Nationwide provides numerous discounts, including safe driving, multi-policy, and home and auto insurance discounts for veterans.
Cons
- Higher Rates for Certain Demographics: Nationwide’s rates may be higher for drivers with DUI and those with a history of accidents or violations.
- Limited Availability: Nationwide is only available in 46 states. Find out whether your state is covered in our guide: Nationwide Insurance Review
#5 – AAA: Best for Roadside Help
Pros
- Roadside Assistance: Offers 24/7 roadside assistance for its members, making it a reliable option for disabled veterans who may need help while traveling.
- Bundling Options: In our review of AAA auto insurance, insurance policies can be bundled with other services, such as travel planning or home insurance.
- Discounts: AAA’s military discount is available to disabled veterans, along with multi-policy and safe driver discounts.
Cons
- Limited Availability: AAA is not available in all states, and membership is required.
- Higher Rates: While AAA may offer a variety of discounts, its rates can still be higher than those of other companies on this list.
#6 – State Farm: Best for Risky Drivers
Pros
- Affordable Rates for High-Risk Drivers: State Farm offers competitive rates for high-risk drivers.
- Rideshare Insurance: According to our review of State Farm auto insurance, State Farm offers rideshare insurance to disabled veterans who work for Uber or Lyft.
- Financial Stability: State Farm has a strong financial rating and is one of the largest insurance companies in the U.S.
Cons
- Limited Online Services: State Farm’s online platform is less comprehensive than some competitors’.
- No Gap Coverage: State Farm does not offer gap coverage for vehicle loans.
#7 – American Family: Best for Loyalty Perks
Pros
- Loyalty Rewards: American Family offers loyalty rewards for customers who have been with the company for some time.
- Affordable Policy Choices: American Family offers affordable policy choices for drivers with poor credit, DUIs, and accidents.
- Add-On Coverage Options: American Family offers additional coverage options like accidental death and dismemberment coverage and gap insurance.
Cons
- Limited Availability: American Family is only available in 19 states. Learn More: American Family Auto Insurance Review
- Claims Complaints: Customer reviews from Better Business Bureau (BBB) mention delays during the claims process.
#8 – Travelers: Best for Safety Tools
Pros
- Policy Discounts: According to our review of Travelers auto insurance, Travelers offers several policy discounts, including for safe driving, good students, and hybrid/electric vehicles.
- Optional Coverages: Travelers offers a variety of optional coverages like gap insurance, new car replacement, and accident forgiveness.
- Safety Features Discount: Customers can receive a discount for having safety features in their vehicle, such as airbags, anti-lock brakes, and anti-theft devices.
Cons
- Higher Rates: Travelers’ rates can be higher than other insurers’, especially for drivers with less-than-perfect driving records.
- Rideshare Is Only Available in Two States: Travelers only offers rideshare coverage in Colorado and Illinois.
#9 – Progressive: Best for Bundle Savings
Pros
- Discounts: Customers can combine multiple discounts to save even more on their insurance premiums.
- Easy Online Quote Process: Getting an auto insurance quote from Progressive is straightforward and user-friendly.
- Snapshot Program: The Snapshot program rewards low-mileage and safe drivers, with average savings of more than $12 per month.
Cons
- Higher Rates for Teen Drivers: Progressive often charges higher rates for teen drivers. See More: Progressive Auto Insurance Review
- Lower Customer Service Ratings: Progressive has received lower customer service ratings than other insurance providers.
#10 – Safeco: Best for Low Deductible
Pros
- Diminishing Deductible Feature: Safeco lowers your collision deductible by $100 for each accident-free year, up to $500.
- Safeco RightTrack Program: Safeco auto insurance discounts include its UBI program, RightTrack, which rewards safe driving habits.
- Claim Forgiveness: Safeco offers accident forgiveness for qualifying customers. Find out if you qualify: Safeco Auto Insurance Review
Cons
- Quotes Through Agents: Safeco often requires potential customers to go through an agent to obtain a quote.
- Limited Pricing Information: There’s a noticeable lack of clear pricing information available online.
Finding the Best Coverage for Disabled Veterans
Finding the best auto insurance for disabled veterans starts with comparing more than price. Look at coverage options, claims service, military or veteran benefits, and protection for vehicle modifications or adaptive equipment when applicable. Then compare premiums among insurers that meet your coverage needs.
- Compare insurers: Shortlist companies based on coverage options, claims service, available military or veteran benefits, and premiums.
- Check eligibility: Ask auto insurance agents in your area about military discounts and other benefits you may qualify for.
- Prepare documents: Have the proper identification documents ready for review when shopping for auto insurance as a disabled veteran..
Disabled veterans who use adaptive equipment should also check how a policy covers modifications such as hand controls, wheelchair lifts, or other mobility equipment. Coverage limits and requirements can vary by insurer, so compare these details before choosing a policy.
Disabled veterans should compare more than premiums, because claims service and adaptive equipment coverage can be just as valuable as discounts.
Zach Fagiano Licensed Insurance Broker
The right policy should provide dependable claims support and enough protection for your vehicle and any adaptive equipment.
By reviewing your policy, comparing multiple quotes, and asking about available car insurance discounts for disabled veterans, you may get even lower rates.
Compare several insurers to find coverage that fits your driving needs, vehicle modifications, and budget. Read More: Can you get auto insurance without a license?
Eligible veterans may find military-related savings through Geico or additional savings opportunities through USAA.
Enter your ZIP code below to compare coverage options from insurers in your area using our free comparison tool.
Frequently Asked Questions
What company offers the best auto insurance for disabled veterans?
Our top pick for the best auto insurance for disabled veterans is Erie, with affordable rates averaging $37 monthly and efficient claims handling.
What auto insurance coverage do disabled veterans need?
The coverage disabled veterans need depends on their vehicle, budget, and driving habits. Drivers should get at least the minimum coverage required by their state and look into other options that meet their needs, such as full coverage, security for adaptive equipment, and so on.
Find cheap car insurance coverage for disabled veterans in our guide: How to Get Multiple Auto Insurance Quotes
Are there any specific auto insurance discounts for 100% disabled veterans?
No specific auto insurance discounts apply to 100% disabled veterans across the board, but many insurers offer savings to qualifying veterans.
Discounts and eligibility requirements vary by insurance company. Type in your ZIP code in our free tool to compare available rates and discounts.
Does auto insurance cover adaptive equipment or vehicle modifications?
Auto insurance coverage for adaptive equipment and vehicle modifications depends on the policy. If your vehicle has a wheelchair lift, hand controls, or similar equipment, tell the insurer and ask how much it would cover after a claim.
What auto insurance has a military discount?
AAA, American Family, Erie, Liberty Mutual, Nationwide, Progressive, Safeco, State Farm, and Travelers offer military discounts to eligible drivers. Geico also offers military savings to qualifying drivers. USAA serves eligible members of the military community and offers military-focused benefits and certain vehicle-related discounts rather than a general military discount.
Our guide explains how to get free online auto insurance quotes so you can compare coverage options and discounts.
Does Geico give a military discount?
Yes. Geico provides military savings to eligible drivers. Active-duty military members, veterans, and some drivers with military connections may qualify for Geico savings.
Availability varies by state, though. Use our comparison tool to find car insurance rates for disabled veterans.
Does a VA disability rating affect auto insurance rates?
No, a VA disability rating does not change your auto insurance rates. What you pay is based on your driving record, where you live, your vehicle, and the coverage you buy. Your credit-based insurance score may also count in states that allow it.
Can an insurance company charge more because of a disability?
No, an insurer cannot raise your rate just because you have a disability. However, accessibility equipment added to your car may require more protection, which could change your coverage and its cost.
Learn how to evaluate auto insurance quotes when comparing coverage for vehicle modifications.
Who has the best car insurance rates for disabled veterans?
Our study finds that USAA has the best car insurance rates for disabled veterans who meet its eligibility requirements. However, the best price still depends on where you live and your driving history.
Compare car insurance rates from providers in your area before selecting a policy.
Is USAA a good choice for disabled veterans?
USAA may be a good choice for disabled veterans who meet its eligibility requirements and value military-focused benefits. Eligible members may also qualify for multi-policy, safe driver, and certain vehicle-related discounts. Eligible members can learn more about SafePilot savings.
How can disabled veterans save on car insurance?
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Disabled Veteran Auto Insurance Premiums by Age & Gender" alt="Disabled Veteran Auto Insurance Premiums by Age & Gender">
