Best Auto Insurance for Disabled Veterans in 2026 (Top 10 Companies Ranked)
Erie, USAA, and Liberty Mutual provide the best auto insurance for disabled veterans. Erie is our top pick for efficient claims service, while USAA offers rates starting at $33 per month. These companies provide broad coverage and military-focused discounts 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 August 2026
The best auto insurance for disabled veterans is from Erie, USAA, and Liberty Mutual, with Erie topping the list by offering an average monthly rate of $37 for minimum coverage.
- 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 massive savings through military discounts offered by insurance companies.
Keep in mind that car discounts for disabled veterans can look different depending on the 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 provide 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.
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 insurance provider, they might offer significant savings or discounts and relatively lower car insurance rates for disabled veterans.
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 for disabled veterans is no different than 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.
Age, location, credit score and driving history are factors companies consider when determining car insurance rates for disabled veterans. But your premiums are affected by more than just your credit score and driving record. Besides your age, gender can also change how much you pay.
The total cost of insurance depends on the type of coverage chosen, the number of claims made in the past, the location, and the type of 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.Minimum coverage costs less each month, but it only meets your state’s basic insurance requirements. Full coverage costs more but provides greater protection if your car is damaged or stolen.
That’s why it’s all the more reason for you to get multiple auto insurance quotes for disabled vets from different providers to have more options that fit your needs and budget.
Minimum vs. Full Coverage Policy Costs for Disabled Veterans
USAA tops the list as the most affordable auto insurance for disabled veterans at $33 a month and offers benefits exclusively for eligible military members, veterans and their families.
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 |
Minimum coverage costs less each month, but it only meets your state’s basic insurance requirements. Full coverage costs more but provides greater protection if your car is damaged or stolen.
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.
Credit Score Impact 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 great or good auto insurance score, their rates may be lower. If they have bad credit, even with a clean driving record, their rates may be higher.
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 if they have bad credit.
How Driving Violations Affect Rates for Disabled Veterans
One of the most important things auto insurance companies look at 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.
Keeping a clean driving record over time may help drivers get lower insurance rates and qualify for discounts for safe driving.
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 really important to know what your car insurance covers and what extras you can get to make sure you’re safe and don’t go over your budget.
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Ways to Save on Disabled Veteran Car Insurance
What insurance companies give veterans discounts? Many auto insurance companies offer discounts to active-duty military members and veterans.
However, the question remains: do car insurance companies offer similar discounts for disabled veterans?
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.
Qualifying for Key Discounts on Veteran Car Insurance
Disabled veterans may need to verify their military service to qualify for certain discounts, depending on the insurer.
You may be asked to provide documentation such as proof of veteran status or other eligibility records to get the best veteran auto insurance and discounts.
Insurers cannot legally charge higher rates solely because of a disability, but drivers may need medical documentation to meet state licensing requirements if a disability affects their ability to drive safely.
If you know what kind of coverage you need, take advantage of savings offered by local insurance companies to get a lot cheaper car insurance by using our free quote tool.
Why USAA Doesn’t Offer a Separate Auto Insurance Military Discount
Since USAA already serves military personnel, veterans, and their eligible family members, it doesn’t offer an additional military or disabled veteran discount. Instead, military-exclusive pricing is already built into its rates.
Although USAA doesn’t offer a separate military or disabled veteran discount, it provides several military-exclusive benefits. These benefits aren’t commonly available through other auto insurance companies.
For instance, the company offers discounts for stored vehicles and vehicles garaged on a military installation. It provides more information about USAA’s military-focused benefits.
These 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.
If any single auto insurance company caters specifically to military members, veterans, and their families, USAA is the top choice. Its military-exclusive pricing and benefits make it stand out.
Eligible veterans can compare USAA’s rates and benefits with other auto insurance companies. This can help disabled veterans find coverage that fits their needs.
Top Auto Policies Disabled Veterans Need
It’s important for disabled veterans to 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 Wheel-Chair 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 as low as possible, pick a deductible that you can easily pay for 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.
How Insurance Providers Classify Disabled Veterans
How do auto insurance companies assess disabled veterans? Insurers generally evaluate the same rating factors they use for other drivers, such as driving history, location, vehicle and coverage.
While insurance companies can’t discriminate against disabled drivers, drivers may need to meet state licensing or medical requirements if a disability affects their ability to drive safely.
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
For example, a veteran with a vision impairment may need to meet state vision requirements to maintain a driver’s license.
In addition, if you have a poor driving record or DUIs, you’ll also see higher rates since auto insurance companies check driving records.
Read More: High-Risk Auto Insurance
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Best Car Insurance Companies for Disabled Veterans
There are many factors that can affect car insurance rates, especially if you are a disabled military veteran. These factors include your age, location, credit history, and driving record.
USAA, Erie, State Farm, Progressive, and AAA are five of the largest insurance companies catering to disabled veterans.
They are particularly known for their fast claims processing, affordable car insurance rates, and discounts.
We compare these insurers, listing their strengths and weaknesses so you can see which insurance company has the best auto insurance for disabled veterans.
#1 – Erie: Top Overall Pick
Pros
- Stellar Customer Reviews: Erie is praised for its top-notch customer service and satisfaction scores.
- 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
- Affordable Rates for Military: USAA offers discounted rates and special coverage options for current and retired military members and their families.
- Easy-To-Use Mobile App: The USAA mobile app allows customers to easily manage their 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
#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 a variety of discounts to 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 veteran safe drivers by reducing collision deductibles over time.
- Easy Claims Process: Nationwide offers a simple and efficient online claims process.
- Rideshare Coverage: Nationwide offers rideshare coverage for drivers who use their vehicles for ride-sharing 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, as well as 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 not as comprehensive as those of some competitors.
- No Gap Coverage: State Farm does not offer gap coverage for those financing their vehicles.
#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
- Slow Claims Process: Some customers have reported a slow claims process with American Family.
#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 those of 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 significant savings. On average, drivers save more than $12 monthly.
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.
Find the Best Auto Insurance for Disabled Veterans
Buying auto insurance as a disabled veteran doesn’t have to be a hassle. Here are some important tips to follow when you’re out shopping for the best rates:
- Field multiple quotes from qualifying auto insurance companies and shortlist your options based on the cheapest rates you receive.
- Find auto insurance agents in your area to see if you’re eligible for specific military discounts based on your driving record, location, and other factors.
- Have the proper identification documents ready for review when shopping for auto insurance as a disabled veteran.
Ultimately, many insurance companies offer discounts for active-duty service members and veterans. Eligibility requirements vary by insurer.
Getting cheap auto insurance for disabled veterans can be overwhelming because many insurance companies provide coverage options, flexible plans, and affordable rates.
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
Comparing quotes, rates and coverage options can also help disabled veterans find auto insurance that suits their needs and budget.
By reviewing your policy, comparing multiple quotes, and asking about available car insurance discounts for disabled veterans, you may get even lower rates.
Following these tips can ensure you get the best auto insurance as a disabled veteran at a price you can afford. 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.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Frequently Asked Questions
What company offers the best auto insurance for disabled veterans?
Erie stands out with affordable rates that average $37 monthly and efficient claims handling.
Who has the best car insurance rates for disabled veterans?
USAA often offers some of the lowest rates for eligible military members, but the best price depends on where you live and your driving history. Find cheap car insurance for disabled veterans in our guide: How to Get Multiple Auto Insurance Quotes
Do veterans get cheaper car insurance?
Yes, because many insurers offer military savings or a car insurance discount for disabled veterans if you qualify. While the question of whether veterans get a discount on car insurance is common, your final rate still depends on factors like your driving record, vehicle, and location.
Find the best coverage at the best price by typing your ZIP code in our free quote tool to get free car insurance comparison rates for disabled veterans.
What coverage do disabled veterans need?
The right options depend on your vehicle, budget, and driving habits, but many drivers choose liability or full coverage for added financial protection.
What auto insurance has a military discount?
Several companies provide these savings, including Geico, while USAA offers insurance exclusively to eligible members of the military community and provides other military-related savings.
Learn how to evaluate auto insurance quotes before buying because comparing disabled veteran car insurance rates side by side makes it easier to see which company offers the best value.
Does Geico give a military discount?
Yes. Active-duty military members, veterans, and some drivers with military connections can qualify for savings from Geico. Availability varies by state, though.
Does USAA give discounts to disabled veterans?
No. USAA already offers discounted auto insurance for veterans and their families. However, eligible members may still qualify for a multi-policy discount, safe driver discount, or SafePilot discount.
Should veterans go through USAA for insurance?
USAA is a strong option for eligible military families thanks to its competitive rates and customer satisfaction, but it isn’t always the cheapest choice. Comparing quotes from multiple insurers using our comparison tool is the best way to find the right auto insurance veterans policy for your needs.
Are there any specific auto insurance discounts for 100% disabled veterans?
Not across the board, but many insurers do give savings to veterans who qualify. The best way to find lower rates and deals for your situation is to compare insurance companies.
How can disabled veterans save more on car insurance?
Maintain a clean driving record, choose only the coverage you need, ask about every available military discount, and compare quotes on the top comparison websites.
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