Best Auto Insurance for Disabled Veterans in 2026 (Top 10 Companies Ranked)

AAA, State Farm and Progressive have the best auto insurance for disabled veterans with AAA topping the list with an average monthly rate of $84. These companies offer a range of coverage options specifically tailored to meet the needs of disabled veterans.

Disabled veterans can take advantage of massive savings through military discounts offered by insurance companies. Nonetheless, every insurance company has its own policies about military discounts.

Our Top 10 Company Picks: Best Auto Insurance For Disabled Veterans

Some car insurance companies offer better military discounts than others. Most car insurance companies provide auto insurance discounts for disabled veterans, not just active military members.

Enter your ZIP code into our free quote tool above to find the best auto insurance providers for your needs and budget.

#1 – AAA: Top Pick Overall

Pros

• Roadside Assistance: AAA offers 24/7 roadside assistance for its members, making it a reliable option for disabled veterans who may need help while on the road.
• Bundling Options: AAA’s 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. Find out which discounts you qualify for in our AAA auto insurance review.

Cons

• Limited Availability: AAA is not available in all states.
• Higher Rates: While AAA may offer a variety of discounts, their rates can still be higher compared to other companies on this list. 

#2 – State Farm: Best for High-Risk Drivers

Pros

• Affordable Rates for High-Risk Drivers: State Farm offers competitive rates for high-risk drivers.
• Rideshare Insurance: State Farm offers rideshare insurance. Find out more in our State Farm auto insurance review.
• 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
• No Gap Coverage: State Farm does not offer gap coverage for those financing their vehicles.

#3 – Progressive: Best for Combining Discounts

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. Learn more in our Progressive auto insurance review.
• 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.
• Lower Customer Service Ratings: Progressive has received lower customer service ratings than other insurance providers.

#4 – USAA: Best for Military Drivers

Pros

• Affordable Rates for Military Members: USAA offers discounted rates and special coverage options for current and retired military members and their families. Read more in our USAA auto insurance review.
• 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.

Cons

• DUIs Drastically Increase Rates: USAA has a strict policy regarding DUIs and may drastically increase rates or even terminate coverage for those with a DUI on their record.
• Limited Availability: USAA is only available to current and retired military members and their families.

#5 – Safeco: Best for Diminishing Deductibles

Pros

• Diminishing Deductible Feature: Safeco’s diminishing deductible feature reduces your collision deductible by $100 each year you go without an accident, up to a maximum of $500.
• Safeco RightTrack Program: Safeco’s UBI program, RightTrack, offers discounts for safe driving habits. Read more about Safeco auto insurance discounts.
• Accident Forgiveness: Safeco offers accident forgiveness for qualifying customers. Find out if you qualify in our Safeco auto insurance review.

Cons

• Quotes Through Agents: Unlike some insurers who offer immediate online quotes, 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.

#6 – Travelers: Best for Safety Features

Pros

• Policy Discounts: 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. Read more about these discounts in our Travelers auto insurance review.

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. 

#7 – Nationwide: Best for Simple Claims

Pros

• 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 Nationwide auto insurance review.

#8 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Rewards: American Family offers loyalty rewards for customers who have been with the company for some time. Learn more in our American Family auto insurance review.
• 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.
• Slow Claims Process: Some customers have reported a slow claims process with American Family. 

#9 – Liberty Mutual: Best for Diverse 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: The company provides a variety of discounts, allowing for significant savings on premiums. We have explored these discounts in more detail in our Liberty auto insurance review.

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.

#10 – Erie: Best for Filing Claims

Pros

• Stellar Customer Reviews: Erie is praised for its top-notch customer service and satisfaction scores.
• Options for Policy Combination: 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. Learn more about these coverage options in our 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 only available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.

How to Get Auto Insurance Discounts for Disabled Veterans

Active military members receive discounts almost anywhere they do business, car insurance companies included. However, the question remains: do car insurance companies offer similar discounts for disabled veterans?

The answer is yes. Typically, military discounts will always apply to disabled veterans. It’s important to point out that disabled veterans only qualify for the military discount without a veteran discount on top of that.

Learn More: Best Auto Insurance for Military Families and Veterans  

Here are the auto insurance companies offering military discounts:

Auto Insurance Discounts by Provider for Military

Not all auto insurance companies have the same policies. For example, here are the car insurance companies offering exclusive discounts to veterans:

Veteran Auto Insurance Discounts by Provider

If you want auto insurance discounts as a disabled veteran, you should field quotes from any of the companies on this list and choose the most affordable option.

Information You Need To Get a Disabled Veteran Car Insurance Discount

You’re probably asking yourself, “What information do I need to get a disabled veteran discount?” To receive a disabled veteran discount, you’ll need to prove you’re a veteran. 

You also must provide a medical letter from your physician proving you can drive. With this letter, any disabled veteran car insurance company can’t legally charge you higher rates because of your disability.

What a Disabled Veteran Means to Auto Insurance Companies

What does a disabled veteran mean to auto insurance companies? Well, if you have any medical disability, insurance companies classify you as a disabled veteran driver. While insurance companies can’t discriminate against disabled drivers, they can acknowledge the risk you carry if your disability impairs your driving ability.

Read More: High-Risk Auto Insurance

For example, a disabled veteran with a vision impairment is a safety risk for any insurance company and gets charged slightly higher rates. In addition, if you have a poor driving record or DUIs, you’ll also see higher rates since auto insurance companies check driving records. Find out how auto insurance companies check driving records.

Companies Offering a Disabled Veteran Auto Insurance Discount

So, what insurance companies give veterans discounts? Many auto insurance companies provide a discount to active military, veterans, and disabled veterans. Sometimes, these discounts can extend to family members and relatives on the same policy. However, there are some exceptions.

Based on our extensive research, USAA and Geico are the only two companies offering disabled veteran auto insurance discounts throughout the United States. 

For more precise information, contact your insurance company to find out their policies for extending disabled veteran auto insurance discounts. You can also find out more by reading our Geico auto insurance review.

USAA Doesn’t Offer a Military Car Insurance Discount

Since USAA already offers auto insurance for military personnel, veterans, and their families, they don’t offer their customers an extra military car insurance discount.

Nonetheless, the company offers discounts for stored and garaged vehicles for deployed officers. With that said, let’s look at the average USAA auto insurance rates by state:

USAA Auto Insurance Monthly Rates for Full Coverage by State

If any single auto insurance company caters specifically to military members, veterans, and their families, USAA is the top choice. You can find out more by reading our USAA auto insurance review.

Important Tips for Buying Auto Insurance as a Disabled Veteran

Buying auto insurance as a disabled veteran doesn’t have to be a hassle. The table below shows auto insurance monthly rates for disabled veterans.

Disabled Veterans Auto Insurance Monthly Rates by Provider & Coverage Level

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.
• Talk to insurance agents to see if you’re eligible for specific military discounts based on your driving record, location, and other factors. Learn how to find auto insurance agents in your area.
• Have the proper identification documents ready for review when shopping for auto insurance as a disabled veteran.

Following these tips can ensure you get the best auto insurance as a disabled veteran at a price you can afford. 

Find the Best Auto Insurance for Disabled Veterans

Ultimately, many insurance companies offer discounts for active duty service members. Often, these discounts apply to disabled veterans, but you must prove you can drive. 

Read More: Can you get auto insurance without a license?

If you have a medical letter proving your driving ability, you’ll typically find the best disabled veteran auto insurance discounts at Geico or USAA. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.