Armed Forces Auto Insurance Review for 2025 (See Ratings & Cost Here!)
Read our Armed Forces auto insurance review to find $50 monthly rates and discounts up to 15%. Armed Forces Insurance provides flexible coverage, deployment benefits, and savings for safe drivers. Rates vary widely depending on credit score and coverage level, ensuring personalized pricing.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated February 2025
Read our Armed Forces auto insurance review to find $50/monthly rates and discounts up to 15% for military families.
Armed Forces Insurance provides flexible coverage, deployment benefits, and exclusive savings for safe drivers.
Armed Forces Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.1 |
| Business Reviews | 4.0 |
| Claim Processing | 4.0 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 3.8 |
| Customer Satisfaction | 4.3 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.1 |
| Plan Personalization | 4.0 |
| Policy Options | 3.1 |
| Savings Potential | 4.4 |
Factors that affect auto insurance rates include credit score, coverage level, and driving history. Compare top providers to secure the best deal.
Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
- Armed Forces auto insurance review shows $50 rates with 15% military discounts
- Coverage includes deployment benefits and flexible options for service members
- Rates vary by credit score, driving history, and coverage level for tailored savings
Armed Forces Auto Insurance Rates: Age, Credit & Coverage
Armed Forces Insurance provides coverage specifically for military members, veterans, and their families, all with flexible policies and special discounts. AFI is partnered with some of the best carriers to offer competitive rates and benefits since 1887.
AFI rates vary by age, gender, and coverage level. Teens pay the highest premiums, with 16-year-old males averaging $240 for minimum coverage and $430 for full coverage.
Armed Forces Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $220 | $400 |
| Age: 16 Male | $240 | $430 |
| Age: 18 Female | $200 | $370 |
| Age: 18 Male | $220 | $400 |
| Age: 25 Female | $150 | $290 |
| Age: 25 Male | $170 | $320 |
| Age: 30 Female | $130 | $250 |
| Age: 30 Male | $150 | $280 |
| Age: 45 Female | $110 | $200 |
| Age: 45 Male | $130 | $230 |
| Age: 60 Female | $100 | $190 |
| Age: 60 Male | $120 | $210 |
| Age: 65 Female | $110 | $200 |
| Age: 65 Male | $130 | $230 |
Rates decrease with age, with 30-year-old females paying $130 for minimum and $250 for full coverage. Seniors get the lowest rates, with 60-year-old females paying $100 for minimum and $190 for full coverage. Compare rates to find the best option for your needs.
Insurance rates depend on age and gender, with young drivers paying more. Comparing quotes, safe driving, and discounts helps lower costs. For example, a defensive driving course or a safer car can reduce premiums.Jeff Root Licensed Insurance Agent
Armed Forces auto insurance offers competitive monthly rates, particularly for drivers with good credit. At $105, it is more affordable than Allstate at $126, American Family at $157, and Farmers at $235. Armed Forces Insurance remains a strong option for fair and poor credit drivers at $135 and $190, respectively, beating Liberty Mutual at $280 and Progressive at $302.
Armed Forces Auto Insurance Monthly Rates vs. Top Competitors by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
 | $126 | $159 | $220 |
 | $157 | $173 | $224 |
 | $105 | $135 | $190 |
 | $235 | $284 | $306 |
 | $113 | $133 | $203 |
 | $233 | $280 | $280 |
 | $173 | $218 | $244 |
 | $141 | $178 | $302 |
 | $117 | $181 | $238 |
 | $94 | $117 | $152 |
USAA offers the lowest rates for military members with good credit at $94, while Geico and State Farm remain competitive. Compare providers with military discounts and deployment-friendly policies for the best auto insurance for military families and veterans.
AFI rates vary based on driving history. Drivers with a clean record pay $130 for minimum coverage and $230 for full coverage. A single accident increases rates to $170 for minimum and $290 for full coverage.
A DUI has the highest full coverage rate at $340, while a ticket raises rates to $150 for minimum and $270 for full coverage. Maintaining a clean driving record can help keep insurance costs lower. Compare rates to find the best coverage for your situation.
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Armed Forces Auto Insurance Rates: Compare Costs With Top Providers
AFI provides cheap coverage at $55 for minimum coverage and $135 for full coverage, allowing it to be a more affordable option than Allstate at $78 and $185, or Farmers at $80 and $190.
Armed Forces Auto Insurance Monthly Rates vs. Top Providers
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $78 | $185 |
| $65 | $155 |
| $55 | $135 |
| $80 | $190 |
| $58 | $140 |
| $85 | $200 |
| $68 | $160 |
| $75 | $180 |
| $62 | $150 |
| $50 | $128 |
When comparing Armed Forces Insurance vs. USAA Insurance, both providers offer specialized coverage for military members, but Armed Forces Homeowners Insurance stands out with flexible policies, while USAA excels in customer satisfaction.
USAA offers the lowest rates, at $50 for a minimum and $128 for full coverage auto insurance, while Geico and State Farm also offer competitive pricing. For inquiries, you can contact Armed Forces Insurance Phone Number to explore policy details and compare rates.
Rates depend on the provider, how much coverage you want, and personal factors like credit score and driving history. So, compare several providers in order to find the most suitable for your budget as well as the proper insurance coverage.
Armed Forces Auto Insurance Discounts: Save Up to 15%
Armed Forces auto insurance provides various discounts to help policyholders lower their premiums. Safe drivers, new car owners, and those using anti-theft devices can save 10% while bundling and multi-car policies qualify for 15% discounts. Military members also receive 15% off and paying in full offers 12% savings.
Armed Forces Auto Insurance Discounts
| Discount Name | |
|---|---|
| Safe Driver | 10% |
| Bundling | 15% |
| New Car | 10% |
| Anti-Theft Device | 10% |
| Pay-Per-Mile | 10% |
| Full Pay | 12% |
| Loyalty | 10% |
| Defensive Driving | 10% |
| Multi-Car | 15% |
| Military | 15% |
Additional discounts include 10% for defensive driving courses, pay-per-mile policies, and the best customer loyalty auto insurance discounts for long-term policyholders.
These savings help military personnel, veterans, and their families get the most affordable coverage. Compare discounts to find the best savings on your auto insurance policy.
Armed Forces Auto Insurance: Coverage Options for Military Families
Military auto insurance covers active duty service members, veterans, and their families. From liability and collision to comprehensive protection, policies ensure financial security.
Additional benefits like uninsured motorist coverage and roadside assistance, offered by the best auto insurance companies for roadside assistance, provide peace of mind on the road.
- Liability Coverage: Covers bodily injury and property damage if you’re at fault in an accident.
- Collision Coverage: Pays for damage to your vehicle after an accident, regardless of fault.
- Comprehensive Coverage: Covers non-collision damages, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if the at-fault driver has insufficient or no insurance.
- Roadside Assistance: Provides services like towing, fuel delivery, and flat tire assistance.
The right coverage protects you and your car from unforeseen accidents and damages. Military auto insurance from the Armed Forces provides customized solutions for the unique needs of active-duty households. Compare your options to determine which policy meets popular insurance needs and your budget.
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Armed Forces Insurance Review: Ratings and Customer Insights
Armed Forces auto insurance has received mixed ratings across top industry agencies. A.M. Best gives it a B+ rating for good financial strength, while Armed Forces Insurance BBB rates it A+ for excellent business practices. Additionally, J.D. Power scores it 746 out of 1,000, indicating above-average customer satisfaction despite some variations in consumer experiences.
Armed Forces Auto Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: B+ Good Financial Strength |
 | Score: A+ Excellent Business Practices |
 | Score: 62 / 100 Low Customer Feedback |
 | Score: 746 / 1,000 Above Avg. Satisfaction |
 | Score: 1.35 Higher Than Average Complaints |
Consumer Reports rates it at 62 out of 100 and lower customer feedback, while the NAIC shows a 1.35 complaint index above the industry average. These ratings reflect the company’s solid financial stability and service lines and show room for customer experience enhancements.
Steven G. from Kenosha, WI, on Yelp telling their story with Armed Forces Insurance (AFI) when he had his first claim. Initially alarmed by bad reviews, he felt relieved by AFI’s straightforward, honest process. He said that knowing how to file an auto insurance claim helps ensure the experience goes as smoothly as possible.
Additionally, users can check Armed Forces Insurance Reddit discussions to see real customer experiences and insights before making a decision.
Steven stresses that policyholders must be proactive, submitting detailed documentation, receipts, and comparisons to expedite the process. AFI processed his claim very efficiently once he provided unambiguous records, and he appreciated their service.
Armed Forces Insurance: Benefits and Drawbacks
AFI offers products designed for military members, veterans, and their families. AFI offers specialized benefits, personalized service, and competitive rates and stands out among insurers.
- Tailored for Military Members: Offers specialized coverage for active-duty personnel, veterans, and their families, addressing unique military needs.
- Personalized Customer Service: AFI offers live representatives for customized service. AFI E-Z Pay automates billing, AFIconnect manages policies and claims, and Affinity Programs provides military discounts.
- Competitive Rates & Carrier Comparisons: AFI works with multiple top-rated carriers to search for the best policy at the lowest rate.
However, like any provider, there are both advantages and potential drawbacks to consider before choosing a policy. Here, I guide you on how to manage your auto insurance policy effectively so that you can maximize benefits, minimize costs, and ensure that you have the right coverage for all your needs.
- Limited Availability: Coverage is primarily available to military members, veterans, and their families, restricting eligibility for the general public.
- Mixed Customer Reviews: Some policyholders report higher-than-average complaint rates, particularly regarding claims processing and response times.
Armed Forces Insurance offers valuable benefits for military families, including personalized service and competitive rates.
After reviewing Armed Forces Insurance, I learned that their deployment suspension option helps military personnel save on premiums while overseas, making it a smart cost-cutting choice.Tonya Sisler Insurance Content Team Lead
However, some may find its eligibility restrictions and mixed customer reviews a drawback. This comparison is made with AFI to know if it correctly fits your insurance needs.
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Navigate Armed Forces Auto Insurance
Armed Forces Auto Insurance offers $50/monthly rates and up to 15% in discounts for military personnel, veterans, and families. With the best auto insurance discounts for good drivers, those with clean records pay around $105/month while enjoying specialized coverage and deployment benefits.
While AFI excels in military-focused benefits and competitive pricing, its limited availability and mixed customer reviews on claims processing are drawbacks. Overall, AFI is a solid choice for military families, but comparing quotes from multiple providers is recommended.
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Frequently Asked Questions
How do Armed Forces Insurance reviews compare to other military insurers?
The reviews note competitive rates and military-focused benefits, though opinions are mixed on claims processing. Some agree that AFI offers personalized service, but others say claims take longer to resolve. To assess the suitability of AFI for your needs, compare multiple reviews.
How does Armed Forces Insurance’s car insurance compare to major providers?
Working with top carriers, AFI provides military families with affordable rates and personalized coverage options. Although USAA may have lower premiums, AFI offers flexibility, and the army perks make it a solid option. Compare quotes to ensure the best deal.
Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.
Does Armed Forces Insurance offer good coverage for military families?
AFI provides tailored coverage, including liability and collision auto insurance and military-specific benefits like deployment suspensions. While USAA may have lower rates, AFI’s flexible policies offer solid options for service members and veterans.
What do Armed Forces Insurance ratings say about customer satisfaction?
AFI holds a B+ A.M. Best rating for financial stability and an A+ BBB rating, but customer reviews vary. Some highlight excellent service, while others report delays in claims processing. Checking independent ratings helps assess reliability.
Is Armed Forces Insurance a legitimate provider?
Established in 1887, the Armed Forces Insurance Exchange and Armed Forces Insurance Corporation specialize in military coverage. They partner with top carriers and hold strong financial ratings, though claims reviews are mixed. AFI remains a reputable choice for service members.
How does Armed Forces temporary car insurance help military personnel?
It provides short-term coverage for deployments, PCS moves, or temporary vehicle use. Policies range from days to months and cover liability, collision, and comprehensive auto insurance options.
What does Armed Forces Insurance Exchange offer?
AFIE provides auto, home, and property insurance to military members, veterans, and their families. It partners with carriers to offer flexible policies suited to military life.
Does Armed Forces Insurance in Leavenworth, KS only serve military members?
Armed Forces Insurance in Leavenworth, KS, primarily serves military members, veterans, and their families but also offers coverage to civilians through partner carriers.
How does Armed Forces Insurance Company support military drivers?
It offers deployment-friendly policies, the best multi-vehicle auto insurance discounts, and competitive rates tailored for military personnel, ensuring flexible coverage during PCS moves and storage needs.
How does car insurance for armed forces personnel differ from standard policies?
Military car insurance includes benefits like deployment suspension, overseas coverage, and military discounts. Providers such as USAA and Armed Forces Insurance offer lower rates, flexible payments, and storage discounts for deployed members.
Does Armed Forces Bank offer auto insurance or special discounts?
What sets Armed Forces Insurance Agency apart?
Are there affordable army automobile insurance options for service members?
How do veterans auto insurance reviews help in choosing a provider?
What coverage options are available with Forces Direct Insurance?
How can I contact Armed Forces Insurance for assistance?
How does Armed Service Insurance differ from standard auto insurance?
Does military get discount on car insurance with major providers?
How do Armed Forces and Police Mutual insurance policies compare?
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