Disabled Veteran Auto Insurance Discounts [2022 Guide]
Disabled veteran auto insurance discounts are offered by a handful of providers. Veterans can usually save at least 10% with a veteran discount. They may also qualify for savings under a military discount, although this depends on an insurer's specifications.
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UPDATED: Jun 29, 2022
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Table of Contents
- Honorably discharged disabled veterans can qualify for a military discount
- Military discounts can save veterans about 10% on auto insurance rates
- USAA is one of the top providers for military members and veterans
- National Guard active duty or veterans can also earn military and veterans car insurance discounts
Are there auto insurance discounts for disabled veterans? Auto insurance can be expensive, but the good news is that most providers offer disabled veteran auto insurance discounts. This special discount applies to military service and is not limited to just active duty military status. Our guide breaks down how to get cheap auto insurance and discount car insurance for veterans.
Table of Contents
How to Get Auto Insurance Discounts for Disabled Veterans
Do veterans get a discount on auto insurance coverage like those who are active duty service members? Any disabled veteran who has been honorably discharged will qualify for a military discount. You may also wonder if you can get a disabled military veterans discount on top of a regular military discount. While there isn’t a specific discount for disabled veterans, eligible veterans who are disabled will be able to get a military or veteran discount.
More: How to Get a Defensive Driver Discount
How much of a discount can disabled vets get on auto insurance? This will depend on the insurer, but normally you can get discount veteran car insurance that can save you about 10% on auto insurance. Take a look at the table below to see which insurers offer military discounts.
| Companies | Military Discount |
|---|---|
| Esurance | 25% |
| Safe Auto | 25% |
| Geico | 15% |
| MetLife | 15% |
| Liberty Mutual | 4% |
| Allstate | X |
| Farmers | X |
| Safeco | X |
| State Farm | X |
| The General | X |
| USAA | X |
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Insurers do not always advertise how much their discount saves, such as the Allstate military discount. Do all companies offer the same kind of disabled veteran discount? Keep in mind that these are military discounts on auto insurance, which don’t always apply to veterans.
The insurers that specifically advertise car insurance discounts for veterans make for a smaller list. Take a look at the table below to see what auto insurance companies give exclusive discounts to veterans.
| Companies with Retired Military Discount | Average Percentage Saved |
|---|---|
| Progressive | 25% |
| Safeco | 25% |
| State Farm | 25% |
| GEICO | 15% |
| USAA | N/A |
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More: What discounts does Esurance offer?
GEICO is one of the few companies that offers a GEICO veteran discount that saves on car insurance. Veterans can get up to a 15% savings. Even though not many insurers are on the above list, most military discounts on car insurance will apply to veterans, so don’t be discouraged. Veterans can also find other auto insurance discounts to keep costs down.
Keep in mind that not all auto insurance companies offer the same discounts. Shopping around is still the best way to find the best insurance that best fits your budget and needs.
What information will I need for a disabled veteran discount?
To apply for a disabled veteran discount, you will need proof that you are a veteran. Insurers will give exact instructions on how to prove this, but generally, you will need a discharge certificate or another form of ID that shows you are a veteran.
More: No Claim Bonus for Auto Insurance [Expert Guide]
As a disabled veteran, you may need to provide proof to the insurer that you are able to drive, such as a medical letter. Remember that insurers aren’t allowed to charge people with disabilities more, so you won’t have higher rates just because of your disability.
What is a disabled veteran in the eyes of auto insurance companies?
Any veteran with a proven medical disability will be a disabled veteran in the eyes of an insurance company. However, while insurers can’t discriminate against people with disabilities, sometimes a disability means a driver is at higher risk for certain situations.
A driver with a vision impairment will be more at risk of crashing, which means an insurer may charge slightly more.
More: What discounts does Amica offer?
A disabled veteran with a poor driving record or a high-risk vehicle will also face higher rates. For example, a DUI may prevent a veteran from getting a significant discount, as higher rates will cancel out any discount earned.
Why? According to the National Highway Traffic Safety Administration (NHTSA), an alcohol-impaired traffic fatality occurs every 50 minutes. Because of this risk, veterans with DUIs on their records will find it harder to get cheap rates.
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What are the best companies that offer a disabled veteran auto insurance discount?
Most major auto insurance companies offer a discount to active military members, veterans, and disabled veterans. In some cases, those discounts are also extended to their families. However, there are some eligibility restrictions.
More: Get good grades? Ask your provider about a good student discount!
As we’ve shown with our research, USAA and GEICO are really the only insurance companies that currently offer military discounts throughout the United States. To find out what is available from your insurance company, check with your agent or local office.
Does Progressive offer a military discount on car insurance?
If you have Progressive and you’re searching for a military veteran’s car insurance discount on coverage, you might find conflicting information online. Some will say Progressive doesn’t offer a military discount, while other sites will say it does. Here’s the answer: Yes, Progressive offers a 25% military discount. But Progressive military discounts are only in Louisiana and only to active duty service members.
Does State Farm offer a military discount on auto insurance coverage?
Similar to Progressive, the State Farm military discount offers a 25% military discount but only to active duty service members in Louisiana.
Does USAA offer a military car insurance discount?
More: How to Get a New Graduate Discount
Since USAA offers auto insurance to military personnel, veterans, and their families specifically, they don’t offer a military discount on car insurance. The company does offer discounts on stored, or garaged, vehicles while you are deployed.
Here’s a look at average USAA auto insurance rates by state.
| State | Average Annual Rate | Amount Higher/Lower than State Average | Percent Higher/Lower than State Average |
|---|---|---|---|
| Alaska | $2,454.21 | -$967.31 | -28.27% |
| Alabama | $2,124.09 | -$1,442.87 | -40.45% |
| Arkansas | $2,171.06 | -$1,953.92 | -47.37% |
| Arizona | $3,084.29 | -$686.68 | -18.21% |
| California | $2,693.87 | -$995.06 | -26.97% |
| Colorado | $3,338.87 | -$537.52 | -13.87% |
| Connecticut | $3,190.00 | -$1,428.92 | -30.94% |
| District of Columbia | $2,580.44 | -$1,858.80 | -41.87% |
| Delaware | $2,325.98 | -$3,660.34 | -61.15% |
| Florida | $2,850.41 | -$1,830.05 | -39.10% |
| Georgia | $3,157.46 | -$1,809.37 | -36.43% |
| Hawaii | $1,189.35 | -$1,366.29 | -53.46% |
| Iowa | $1,852.57 | -$1,128.71 | -37.86% |
| Idaho | $1,877.61 | -$1,101.48 | -36.97% |
| Illinois | $2,770.21 | -$535.28 | -16.19% |
| Indiana | $1,630.86 | -$1,784.11 | -52.24% |
| Kansas | $2,382.61 | -$897.02 | -27.35% |
| Kentucky | $2,897.89 | -$2,297.51 | -44.22% |
| Louisiana | $4,353.12 | -$1,358.23 | -23.78% |
| Maine | $1,930.79 | -$1,022.49 | -34.62% |
| Maryland | $2,744.14 | -$1,838.56 | -40.12% |
| Massachusetts | $1,458.99 | -$1,219.86 | -45.54% |
| Michigan | $3,620.00 | -$6,878.64 | -65.52% |
| Minnesota | $2,861.60 | -$1,541.65 | -35.01% |
| Missouri | $2,525.78 | -$803.15 | -24.13% |
| Mississippi | $2,056.13 | -$1,608.44 | -43.89% |
| Montana | $2,031.89 | -$1,188.96 | -36.91% |
| North Carolina | NA in State | ||
| North Dakota | $2,006.80 | -$2,159.04 | -51.83% |
| Nebraska | $2,330.78 | -$952.90 | -29.02% |
| New Hampshire | $1,906.96 | -$1,244.81 | -39.50% |
| New Jersey | NA in State | ||
| New Mexico | $2,296.77 | -$1,166.87 | -33.69% |
| Nevada | $3,069.07 | -$1,792.64 | -36.87% |
| New York | $3,761.69 | -$528.20 | -12.31% |
| Ohio | $1,478.46 | -$1,231.25 | -45.44% |
| Oklahoma | $3,174.15 | -$968.17 | -23.37% |
| Oregon | $2,587.15 | -$880.62 | -25.39% |
| Pennsylvania | $1,793.37 | -$2,241.13 | -55.55% |
| Rhode Island | $4,323.98 | -$679.38 | -13.58% |
| South Carolina | $3,424.77 | -$356.37 | -9.42% |
| South Dakota | NA in State | ||
| Tennessee | $2,739.28 | -$921.61 | -25.17% |
| Texas | $2,487.89 | -$1,555.39 | -38.47% |
| Utah | $2,491.10 | -$1,120.79 | -31.03% |
| Virginia | $1,858.38 | -$499.49 | -21.18% |
| Vermont | $1,903.55 | -$1,330.58 | -41.14% |
| Washington | $2,262.16 | -$797.16 | -26.06% |
| West Virginia | $1,984.62 | -$610.74 | -23.53% |
| Wisconsin | $2,975.74 | -$630.33 | -17.48% |
| Wyoming | $2,779.53 | -$420.55 | -13.14% |
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You can find out more by reading our USAA auto insurance review.
Does the military provide auto insurance to active members?
The military doesn’t offer car insurance to active personnel. Service people are required to carry their own personal auto insurance. But, as we’ve shown, most major auto insurance companies offer discounts to active military and veterans.
How to Buy Auto Insurance as a Disabled Veteran
How do I choose the best insurance company for a disabled veteran? The best way to find the best car insurance for disabled veterans is to shop around for auto insurance. This will allow veterans to find the coverages they need at a reasonable price. Read on to learn more about shopping for auto insurance as a disabled veteran.
Should I shop online or with an independent broker?
Should vets shop around for insurance? Shopping online is usually the better option, as it allows you to compare multiple quotes from different insurers and find what companies offer a disabled veteran discount.
When you shop with an independent broker, rates can sometimes be more expensive as the company pays brokers who bring customers into the company. The broker finder fee results in a higher cost for the customer.
Should veterans go through USAA for insurance?
USAA is one of the top providers for military members and veterans. This doesn’t mean that it is a good fit for all veterans and military members. To see if USAA is a good choice for you, read our United Services Automobile Association auto insurance review.
Are there discounts on auto insurance for the National Guard?
Yes, National Guard active duty or veterans can earn military discounts. This applies to any auto insurance for any branch of the military, such as armed forces auto insurance or Navy Seals auto insurance. Keep in mind that if you are on active duty, the military auto insurance laws are sometimes different, such as coverage when stationed overseas or in another state.
What are the best companies that offer a disabled veteran auto insurance discount?
Does Progressive offer a military discount on car insurance?
If you have Progressive and you’re searching for a military veteran’s car insurance discount on coverage, you might find conflicting information online. Some will say Progressive doesn’t offer a military discount, while other sites will say it does. Here’s the answer: Yes, Progressive offers a 25% military discount. But Progressive military discounts are only in Louisiana and only to active duty service members.
Does State Farm offer a military discount on auto insurance coverage?
Similar to Progressive, the State Farm military discount offers a 25% military discount but only to active duty service members in Louisiana.
As we’ve shown with our research, USAA and GEICO are really the only insurance companies that currently offer military discounts throughout the United States.
We hope our guide to veteran military discounts on auto insurance has given you a better idea of what to expect.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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