Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 7, 2020

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Here's what you need to know...

  • Some car insurance carriers give occupational discounts. These companies will offer veterans a discount off of their insurance to express gratitude for their service
  • Not only do leading insurers offer veterans discounts, there are companies that sell products exclusively to service members and their families
  • Be sure to compare quotes from preferred providers and specialty companies. Every company offers their own discounted rate for military veterans
  • If you have a good driving record and claims history, you may be able to get extremely low rates through companies that sell to all markets
  • Not only can you get a discount for being a veteran, some companies will allow veterans to conveniently suspend their coverage while they are deployed
  • Some companies offer discounts when you garage your vehicle on a military installation because property tends to be safer on base

If you have served in the U.S. military, you may be able to find sizable discounts on military auto insurance.

Since auto insurance is one of those products that you’re required to carry, it’s always good to shop around and take advantage of the military insurance savings that are available through carriers.

By doing your homework, you won’t get stuck paying civilian rates as a veteran. Before you start to solicit quotes, you should know what to look for in a carrier.

While you’re not guaranteed to find cheap rates, you will be able to find some steep discounts that will lower your premiums simply for qualifying for a military discount.

Enter your zip code above to compare car insurance quotes from multiple companies at once!

Table of Contents

How to Find Cheap Auto Insurance for Military Personnel

  • Most insurance carriers offer discounts for military personnel
  • Military members are classified by insurance companies as a different driver type
  • If you are deployed, you may be able to suspend your insurance payments until you return
  • Auto-debit payment plans are a surefire way to always pay your premium on time

Most civilians do not understand how challenging it is to find low-cost veterans car insurance if you serve in the military. However, many companies do recognize your selfless efforts and provide ways to assist you.

Depending on your current status, you could save hundreds every year, just by making the proper inquiry.

Put yourself on the path to finding great car insurance rates! Enter your ZIP code in the FREE toolbox above!

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Deal with Providers Who Offer Military Discounts

The first thing you need to do is go directly to auto insurance providers who offer military discounts. Although this may seem easy, you would be surprised how tricky it can get. Stick at it and you can find cheap veterans automobile insurance quotes online though. Take a look at the discount percentage from top providers in the table below.

Insurance CompanyPercentage Saved with Discount
Farmers5%
Geico15%
Liberty Mutual (must be active duty)4%
MetLife15%
USAA60% off when deployed
15% for garaging on base
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Many will claim to take care of people in the military, but they do not have much experience with the special needs of this type of customer.

You need to find a car insurance company that is familiar with the laws and makes special allowances for you, without penalizing you. For example, the National Association of Insurance Commissioners recommends that you work with an auto insurance company that lets you put your coverage on hold.

The majority of car insurance companies will look down on anyone who does not have continued coverage. They may even consider you a high-risk driver. Many will not investigate the reason behind your lack of coverage and just assume you chose to cancel your service.

Nevertheless, because people in the military often receive deployment orders, which could come at any time, you will probably need this kind of option.

You should have the opportunity to reduce your auto insurance coverage to the most basic level or even cancel your service altogether until you return. Since you will not have your car with you, there is really no need for protection, as long as no one else drives the vehicle.

This can save you from making unnecessary payments. Upon your return, you can contact your car insurance company and ask them to reinstate your policy.

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Choose an Agent over a Direct Military Auto Insurance Provider

Choosing an auto insurance agent to assist you with finding the cheapest rates may prove beneficial for military men and women. This is because of the personal touch you receive, especially if they too have friends or family members in the same situation.

When you discuss your specific needs, they can come up with a great plan, as well as look for the most ways to save you money. Agents often have much more authority to offer discounts than direct providers do.

If you choose an agent, be sure that they have all of your paperwork in order and keep them informed of your possibility of deployment.

Even if you think the chance of leaving is slim, give them a call and ask them to prepare anything you need in advance. If they need anything from you, they can let you know too. This will make sure everything goes smoothly, should you need to leave in a hurry.

Remember, a portion of their salary is based on commission, so they need you as much as you need them. They don’t want to lose your business, so good auto insurance agent will provide above average results.

Choose the Auto-Debit Payment Method

If you leave a spouse behind and they will use your vehicle, you should opt for the auto-debit payment method, for two reasons. Primarily, because you will never fall behind in your payments, but also because many auto insurance companies provide discounts when you choose this option.

You could save as much as 10 percent by allowing them access to your personal bank account.

The auto-debit method is highly favored over all other types of payment selections because it is a guarantee that the car insurance company will receive their money on time.

The Texas Department of Insurance highly suggests you pick the auto-debit method. Instead of running a risk of missing an auto insurance payment, which could lead to cancellation, one phone call could remove this from the equation.

The laws do not prevent the auto insurance companies from dropping you if you are late with your payments. In addition, if you go beyond 30 days without coverage, you are likely to receive higher rates when you do find a new provider.

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Take Advantage of Base Living

The Office of the Deputy Under Secretary of Defense Installations and Environment reports that approximately 10 percent of all active military personnel lives on base. They consist of single adults and families. This is an excellent way to find cheap car insurance because of your location.

Geographical location is one of the most important factors in assessing risk and therefore, car insurance rates. If you live on a military base, you are in an extremely secure facility. Be sure to make mention of this during your research for

Be sure to make mention of this during your research for low-cost military auto insurance, especially if the representative or agent does not.

If the base is in a city that does have a higher crime rate, be sure to find current statistics that apply to the facility itself, rather than the city.

This will help you dispute their claims that they need to follow a certain process, based on your area. It is difficult to argue when the facts are present.

Use the Resources Available for Your Specific Branch

The military has certain branches, including the Army, Navy, Marine Corps and more, it is best that you use the resources available for your specific branch.

The easiest way to find out about your particular branch is to go to Military Homefront, a part of the Department of Defense and use the links that will lead you there.

This site is geared towards supporting those in the military and their families and has a number of community services just for them. Be sure to shop around to find the best military family auto insurance coverage.

Find Out What Veterans Receive for Time Served

Today’s veterans are not just older military men and women. Many were injured while providing a vital service for this country and no longer serve actively.

They may be as young as 20 or 25 years old, but they still deserve the same honor and respect as their older counterparts. The younger veterans may not realize they qualify for many new programs recently created and this could include reduced rate auto insurance.

One of the best resources available for veterans is the National Resource Director sponsored by the U.S. Department of Veterans Affairs.

Under most circumstances, U.S. veterans receive a 10 percent to 20 percent discount off their car insurance rates. However, as younger, less experienced drivers, those between 20 and 25 may fall into a different category. This is why this resource is so helpful.

While the auto industry does not yield to federal laws, they do have an obligation to comply with state laws. If you are a younger veteran seeking cheap car insurance rates, it makes good sense that you first locate your state and familiarize yourself with your laws.

Afterward, put a list of reputable companies together and compare all they offer. Lean towards those that truly appreciate your efforts. These are the car insurance providers that you should have the most success with receiving the cheapest rates.

As a member of the United States military, you should be able to find the best rates for your car insurance, without having to haggle for your deserved benefits.

You are able to find great car insurance rates within minutes by entering your ZIP code in the FREE tool below!

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Why do auto insurance companies offer military discounts?

When you put your life on the line for your fellow countrymen, you deserve some compensation.

One of the main reasons why active duty military and veterans who have been honorably discharged from service receive a discount is because the carrier wants to express their gratitude, but that’s not the only reason that discounts are available.

Every insurance company has its own unique rating system in place that uses risk to determine how much to charge prospective applicants.

The statistics used for rate making show that members of the military are disciplined and carry over the discipline to their driving habits.

Because of this, military members are less of a risk to insure, which qualifies them for special discounts.

Do all insurance companies offer discounts to veterans?

While military discounts are common in the personal auto insurance industry, not all companies offer them. You may have some opportunities when it comes to buying a home as a veteran.

Some carriers already offer such low-priced premiums that they don’t offer extra savings to those who are serving or have served in the military. Other

Other carriers only sell policies to military families so that they can stay competitive.

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What are some of the most common discounts available to veterans?

If you’re not sure where to start, there are a few carriers that are well-known in the market segment for offering great savings.

Once you know how much you can save through companies that military members prefer, you can see if less popular companies have better rates:

United Services Automobile Association (USAA) Military Discount

USAA only sell insurance to active-duty military, veterans, and their families. According to ABC, the

According to ABC, the average policyholder saves $409 by switching from a standard insurer to USAA.

The company is well-known for offering a 15 percent discount off of comprehensive coverage when you park your car on a military base.

Geico Military Discount

Geico offers discounts to all active-duty military members and veterans.

Not only do policyholders who qualify get a 15 percent off discount, they may also get a special emergency deployment discount when they are deployed to an imminent danger pay area.

Progressive Military Discount

Progressive sells special military insurance through their division called Armed Forces Insurance.

With special rates and a 15 percent discount available to clients who park their cars in military installations, AFI is a popular choice in the states where coverage is available.

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Look for More Than Just Military Discounts

Discounts for serving can really make a dent in your premiums, but those aren’t the only type of discounts that you should look for. Discounts may or may not be extended to your teen drivers, so be sure to call your agent before buying a car for your teen to see what additional discounts you can receive.

When you’re comparing auto insurance companies it’s all about comparing the coverage options and discount that the companies offer.

If you aren’t sure what discounts are available, here’s a list of common ones:

  • Multi-car
  • Multi-policy
  • Anti-theft (passive and active)
  • Loyalty
  • Green vehicle
  • Good driver
  • Defensive driver or mature driver training
  • Pay-in-full
  • Automatic payment
  • Student away at school
  • Good student

Look For a Company That Understands the Military

Not all insurance companies understand the military. Deployment and moving across the country can have a dramatic impact on someone’s life.

When you look for a company that understands how experience in the military can shape your lifestyle, you can expect to get excellent service.

The best thing to do is ask around to find a car insurance company with policies that can be structured to suit all of your need no matter what you’re going through.

Companies that promote their products specifically to a military audience tend to allow policies to be suspended and reactivated easily to prevent lapses in coverage.

What is the best military auto insurance company?

The best military auto insurance company is the United States Automobile Association (USAA). It is a top rated car insurance provider which offers policy coverage for active duty service members and honorably discharged military veterans.

USAA was established by a group of Army officers to be a low cost auto insurance company for other veterans. The company has grown since its inception in 1922, and now provides insurance products to millions of service members worldwide.

In addition to supplying very cheap auto insurance, USAA also has a service called, the “Auto Circle.” It’s an auto buying program which provides financing for qualified members to purchase a new or used automobile. Members qualify for special low interest rates.

To find great rates for military car insurance, enter your ZIP code into our FREE car insurance comparison tool.

Free Military Auto Insurance Quotes Online

If you’re looking for reasonably priced military and veterans auto insurance, the best way to find out just how much money you can save is by requesting for a rate quote. An instant auto insurance company quote is a free service that offers insight about specific coverage plans.

Simply provide your ZIP code and information about your vehicle and military service to receive a customized rate quote. Your FREE rate quote will be available in minutes, allowing you to instantly view the policies offerings and current rates of different auto insurance providers.

Always check for preferred rates before deciding to become a policy holder. There will be a car insurance company or policy for you that will exceed other options.

In certain instances, instead of an instant rate quote, insurance companies will need to provide an email response, to address specific concerns or to provide additional follow-up about policy coverage for unusual or unique situations.

Here are five reasons to buy military auto insurance.

  • Secure coverage
  • Affordable rates for military policies
  • Convenient and flexible policy options for emergency deployment
  • Company specializes in coping with the unique challenges of military life
  • Military spouses and family members of the same household also qualify for discounted rates

USAA offers other car insurance discounts to its members that are combined with the already low rates for military members and veterans which include:

  • Safe driver
  • Good student
  • Storage discount
  • Multiple vehicles
  • Defensive driver refresher courses

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Additional Risks for Calculating Military Insurance Rates

USAA believes that military personnel deserve lower rates because of their service and commitment to the US. However, there are many other factors that can affect auto insurance rates, namely, the consideration of acceptable insurance risks.

An acceptable risk for auto insurance is defined as risk management. Insurance providers must assume the risks each time that they issue an insurance policy. They know that you trust them for guaranteed protection- for you, your vehicle, its occupants and passengers.

It is important that each person who drives the insured vehicle:

  • Has a valid driver’s license or learner’s permit
  • Operates the vehicle in a safe and responsible manner
  • Obeys traffic signals and adheres to the rules of the road
  • Owner should provide proper liability and compulsory auto insurance protection

Importance of Comparing Rates for Military Service Members

To get the cheapest rates for military policies, request a free rate quote today. It is a smart choice, one that could potentially save you hundreds of dollars annually on insurance premiums.

The internet makes finding free rate quotes online easier than ever. Comparison websites such as this one will give you multiple affordable rates and coverage options to compare instantly.

The results include a brief synopsis of each auto insurance company and the services that they provide. It’s a good idea to inquire about deeper discounts for purchasing multiple policies. Never select an auto insurance provider without comparing rates.

Besides the company’s reputation, it is equally important to obtain information about the company’s ratings, coverage limits and their overall customer satisfaction record.

The best option for qualified military personnel is to purchase auto insurance from a reputable company, such as USAA.

This is because military personnel face unique situations unlike other drivers, such as overseas deployment, consecutive days of temporary duty assignments (TDY) and involuntary extensions of duty.

What Makes USAA Auto Insurance the Best Military Insurance Company?

The experience and reliability of USAA is what makes them the best military auto insurance provider. According to J.D. Power and Associates the company has consistently provided award winning customer service. USAA also received the top rated spot for customer satisfaction in a survey conducted by Forrester Research, Inc.

Reasons to request a rate quote for military auto insurance:

  1. A rate quote is the easiest way to browse the rates of multiple insurance companies
  2. It’s convenient to receive a free rate comparison online at any time
  3. Stress free decision making when reviewing the results
  4. Innovative interactive web technologies allows for customized rate quotes
  5. Creates healthy competition, when companies compete to provide policy coverage

USAA is a stable and diverse insurance a company, one with solid financial strength and an excellent credit rating. However the most important consideration when it comes to auto insurance is finding a company that matches your needs. Our FREE car insurance tool can meet your car insurance needs based on your ZIP code and relevant information.

As a leading provider of military auto insurance for nearly 90 years, USAA is a well known name in a highly specialized industry. In addition to auto insurance, the company also offers its members other services which include banking and life and home insurance. This company is a good starting point to check rates, but also compare the rates of other companies using your ZIP code in our FREE auto insurance comparison tool!

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Is it best to buy military insurance through an agent or a direct writer?

Some companies only sell their products through agents and others are direct writers who offer you more convenient methods of contact.

While it is nice to build a relationship with an agent, if you ever plan on moving, you will have to find a new agent to do business with.

With a direct writer, the company can update everything and you don’t have to worry about switching carriers.

Your auto insurance rates will depend on the type of vehicle you have, your driving habits, your driving history, and the coverage that you select.

Make sure to price the cost of insurance through several carriers using an online rate comparison tool and you can find the cheapest option for coverage today.

Enter your zip code below to find the best discounts from companies near you!

Best Car Insurance for Military Overseas

  • Service members can face special challenges when it comes to car insurance
  • As a different driver type, servicemen and women are treated as a specialty case
  • Military members can often save big on auto insurance by using comparison shopping
  • Armed service members can enjoy a wide range of valuable discounts

The U.S. armed forces are made up of millions of members who serve at bases all around the world. Like the rest of the population, these service members need to get around and thus require car insurance to cover their personal vehicles in the event of an accident.

Service members face certain challenges in the car insurance arena but are also often eligible for various discounts that can add up to a lot.

This article will take a closer look at some of the issues that apply to members of the military, and also point out some ways in which auto insurance comparison shopping can result in even greater savings.

Get started finding great saving today by using our FREE car insurance comparison tool.

Common Car Insurance Issues that Affect Armed Service Members

One of the most common challenges that face members of the armed forces is the need to move frequently. Military members who are called to active duty or sent to another post can be at a loss as to what to do about their cars and their vehicle insurance.

For example, in some cases, they may be forced to leave their vehicles behind. In other instances, they may need to ship their personal cars to another country. In yet other cases, service members may need to transplant their vehicles from one state to another.

Some Things to Consider When a Vehicle is Left Behind

Many states enforce traffic laws that prohibit uninsured and unregistered cars from being parked on public streets. Those that are found in violation often get towed and impounded at great expense to the owner.

Luckily, there are many resources available to assist military employees with both insurance and transportation.

Military members who need to leave their vehicles in their home areas are often allowed to park the vehicles at a military base while they serve abroad.

Since some members choose to suspend car insurance coverage while deployed, this option can protect their vehicles from impoundments.

Some Things To Consider When a Vehicle is Brought Along

Other military members may elect to bring their vehicles along with them on deployment. Some military branches provide free transshipment services for service members.

In such cases, the individual in question would simply need to bring their insurance coverage paperwork along with them to show proof of insurance in their new location.

Some Things to Consider When a Vehicle is Moved to Another State

For service members who are simply moving to another state within the U.S., they would do well to check out the insurance regulations that are in force at their destinations, and then make sure that these coverage items are in place.

For example, an individual who is planning on moving their vehicle from Texas to Hawaii would want to know which coverages are mandatory before embarking on their journey.

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Optional Car Insurance Coverage Items

Non-mandatory auto insurance is up to the individual motorist to make use of.

Even though this is the case, and people can sometimes save a little money by not carrying these coverages, individuals can save a lot more in the long run by being prepared for possible damage to their vehicles.

  • Collision coverage – This auto insurance policy choice provides payments for any damage that is sustained by the insured vehicle during an accident.
  • Comprehensive coverage – This coverage item pays for damages that are caused by collisions with something other than a vehicle and non-collisions.
  • Glass coverage – This policy item pays for the repair or replacement of any damages to the windows of the insured vehicle. Since car windshields are quite expensive and are frequently compromised by debris on roadways, having this provision in place is a wise choice.

Mandatory Auto Insurance Coverage

These policy items are non-negotiable and must be carried in order to register the vehicles in question.

  • Bodily injury liability – Bodily injury liability pays for the medical care of individuals who are injured in a collision with the policyholder or their insured vehicle. Since even a simple ride to a hospital in an ambulance can cost thousands of dollars, making sure that the bodily injury liability level is as high as possible is a good idea.
  • Property damage liability – This insurance policy offering pays for damage to the property of others that is caused by the policyholder’s vehicle.
  • Personal injury protection (PIP) – This coverage item is the opposite of bodily injury liability and serves to pay the accident-related medical bills of the passengers and drivers of the insured vehicle. PIP can and does prevent the policyholder from facing injury-related lawsuits.

Auto Insurance Savings Options for Members of the Armed Forces

Even members of the armed forces can benefit from making use of the services of a competent comparison shopping website. These online insurance research firms spend a lot of time and effort gathering information about a large number of insurance companies.

Individuals who make the wise choice to harness the power of comparison shopping will not only gain access to valuable information, they will also save a lot of time and effort along the way.

  • Group discounts – Armed forces members are a recognized group, and thus are eligible for special discounts based on their status. Some of these plans can provide qualified members with up to a 20 percent discount.
  • Safe driver discounts – Military members who have maintained good driving records often qualify for safe driver discounts and rebates.
  • Vehicle safety discounts – If the vehicle in use by a given service member has features like curtain airbags, anti-lock brakes, and a driver alertness system, it will usually qualify for safety-related discounts.

Comparison Shopping Sites can Support Troops by Offering Savings and Service

The many members of the armed forces often make sacrifices in order to perform their duties to the highest level.

Whether they serve on land, in the air, or on the sea, armed forces members are constantly called upon to put their lives on the line in the service of others.

Service members who take the time to comparison shop for their automobile insurance coverage certainly will not have to sacrifice their security while on the open road.

Compare car insurance quotes today by entering your ZIP code below.

References:

  1. http://www.military.com/money/insurance/auto-insurance/military-personnel-saving-on-car-insurance.html
  2. http://www.iii.org/article/nine-ways-to-lower-your-auto-insurance-costs
  3. http://www.foxbusiness.com/features/2013/07/01/auto-insurance-discounts-not-to-be-missed.html
  4. http://militarybenefits.info/military-discounts/
  5. http://www.military.com/money/insurance/auto-insurance/buying-auto-insurance.html
  6. http://www.abcactionnews.com/financial-fitness/how-veterans-can-get-cheap-car-insurance
  7. http://blog.iseecars.com/2012/02/08/top-3-auto-insurance-companies-for-military-and-veterans/
  8. http://www.iii.org/article/choosing-an-insurance-company
  9. http://www.tdi.texas.gov/pubs/consumer/cb076.html
  10. http://www.iii.org/publications/insurance-handbook/regulatory-and-financial-environment/buying-insurance-evolving-distribution-channels