Disabled Veteran Auto Insurance Discounts [2023 Guide]

Buying auto insurance is a challenge for anyone. Since it’s a legal requirement to have some form of car insurance in the United States, getting the best deal can take time and research. 

However, 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.

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.

This guide will explain how you can receive the best disabled veteran auto insurance discounts on the market. 

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.

Here are the auto insurance companies offering military discounts:

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

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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. Your insurance company should tell you how to verify your identity, but generally, you must provide a discharge certification of specific identification.

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 does a disabled veteran mean to auto insurance companies?

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.

Check out the cheapest car insurance companies for high-risk drivers.

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.

Which companies offer a disabled veteran auto insurance discount?

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.

Does Progressive offer a military discount on car insurance?

There is a lot of conflicting information online about Progressive’s military discount. Some claim the company offers military discounts, while others say it doesn’t. The truth is that Progressive offers a 25% military discount on car insurance. 

However, this discount is only for active duty service members in Louisiana. If you’re a disabled veteran, you’re better off looking elsewhere for cheaper car insurance rates for disabled veterans. Read through our Progressive auto insurance review to find out more.

Does State Farm offer a military discount on auto insurance coverage?

State Farm is one of the most well-known auto insurance companies in the United States. In fact, State Farm is the largest auto insurance provider in the country, with over 87 million policies.

If you want to buy an auto insurance policy with State Farm as a disabled veteran, you’re out of luck. Like Progressive, State Farm offers only a 25% military discount to active duty service members in Louisiana. Find out more in our State Farm auto insurance review.

Does USAA offer a military car insurance discount?

USAA already offers auto insurance for military personnel, veterans, and their families. So, 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:

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.

Does the military provide auto insurance to active members?

Interestingly, none of the U.S. military branches automatically provide active service members with auto insurance. As such, service members must look for and carry auto insurance. 

The good news is that many insurance companies offer discounts to active service members. The only challenge is conducting market research into the best auto insurance companies, their rates, and specific military discount policies.

It’s also worth pointing out that your rates can be affected by your driving record and where you live.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Important Tips for Buying Auto Insurance as a Disabled Veteran

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.
• Talk to insurance agents 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.

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

Should I shop online or with an independent broker?

If you’re buying auto insurance, shopping online is usually better. This way, you can field quotes from multiple auto insurance companies and determine which offers the cheapest rates. 

On the other hand, independent brokers are the most expensive option. Independent brokers are third-party professionals that bring customers to insurance companies.

Since the insurance company must pay the broker a fee for onboarding you, you’ll usually receive a higher rate. If you want to bypass this option and save more money, do the research yourself.

Should veterans go through USAA for insurance?

USAA is one of the best auto insurance options for military members and veterans.

However, that doesn’t mean that USAA is ideal for every veteran. Here are some of the pros and cons of choosing USAA:

• USAA offers the lowest auto insurance rates on the market. 
• The company has extremely high customer satisfaction rates and superb financial ratings.
• Having a DUI drastically increases your rates. 
• USAA offers auto insurance to customers in every U.S. state.
• USAA doesn’t offer a specific discount for active duty service members and veterans.

Overall, USAA is a great first choice if you’re shopping for the best auto insurance rates. 

Are there discounts on auto insurance for the National Guard?

Members of the National Guard are eligible for any military discount offered by an auto insurance company. Military discounts apply to any active duty member of all U.S. military branches, from the National Guard to the Navy SEALs.

If you’re an active-duty member of the U.S. military, the laws about military auto insurance vary based on where you’re stationed and your coverage. For this reason, it’s important to speak to an insurance agent for more information regarding your policy and discount. 

The Bottom Line: Take Advantage of Discounts 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.

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption