Best Auto Insurance for Disabled Veterans in 2025 (Top 10 Companies Ranked)
AAA, State Farm, and Progressive provide the best auto insurance for disabled veterans. AAA is our top pick, with affordable rates that average $84/mo and roadside assistance services. Insurance companies offer military discounts to disabled veterans, which can result in significant savings.
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Daniel Walker
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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...
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UPDATED: Feb 11, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Feb 11, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,027 reviewsCompany Facts
Full Coverage for Disabled Veterans
A.M. Best
Complaint Level
Pros & Cons
3,027 reviews
18,155 reviewsCompany Facts
Full Coverage for Disabled Veterans
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
13,283 reviewsCompany Facts
Full Coverage for Disabled Veterans
A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsAAA, 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
| Company | Rank | Veteran Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 5% | A | Roadside Assistance | AAA |
 | #2 | 12% | B | High-Risk Drivers | State Farm |
 | #3 | 9% | A+ | Combining Discounts | Progressive |
 | #4 | 13% | A++ | Military Drivers | USAA |
 | #5 | 10% | A | Diminishing Deductible | Safeco |
 | #6 | 11% | A++ | Safety Features | Travelers |
 | #7 | 15% | A+ | Simple Claims | Nationwide |
 | #8 | 5% | A | Loyalty Rewards | American Family |
 | #9 | 3% | A | Diverse Coverage | Liberty Mutual |
 | #10 | 20% | A+ | Filing Claims | Erie |
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.
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#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.
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#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.
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#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.
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#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
Insurance Company Bundling Discount
25%
25%
20%
25%
25%
20%
10%
17%
13%
10%
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
Insurance Company Savings Amount
Progressive 25%
Safeco 25%
State Farm 25%
Geico 15%
Esurance 25%
Safe Auto 25%
MetLife 15%
Liberty Mutual 4%
Allstate NA
Farmers NA
State Farm NA
The General NA
USAA NA
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.
Your insurance company should tell you how to verify your identity, but generally, you must provide a discharge certification of specific identification.Kristen Gryglik Licensed Insurance Agent
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.
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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
State USAA Rate State Average
Alabama $74 $139
Alaska $85 $147
Arizona $88 $156
Arkansas $76 $162
California $116 $219
Colorado $115 $169
Connecticut $106 $169
Delaware $50 $183
District of Columbia $71 $192
Florida $63 $190
Georgia $97 $179
Hawaii $53 $100
Idaho $55 $106
Illinois $101 $150
Indiana $67 $143
Iowa $66 $104
Kansas $69 $135
Kentucky $87 $176
Louisiana $114 $201
Maine $52 $115
Maryland $147 $237
Massachusetts $76 $144
Michigan $152 $339
Minnesota $120 $220
Mississippi $74 $142
Missouri $76 $156
Montana $71 $153
Nebraska $79 $148
Nevada $87 $144
New Hampshire $59 $122
New Jersey $88 $197
New Mexico $88 $142
New York $107 $174
North Carolina $66 $131
North Dakota $63 $177
Ohio $57 $114
Oklahoma $92 $160
Oregon $84 $147
Pennsylvania $91 $179
Rhode Island $65 $143
South Carolina $113 $191
South Dakota $68 $127
Tennessee $74 $130
Texas $97 $207
Utah $77 $147
Vermont $60 $133
Virginia $71 $132
Washington $59 $104
West Virginia $82 $141
Wisconsin $66 $133
Wyoming $58 $105
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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $32 | $84 |
| $43 | $114 |
 | $22 | $57 |
| $66 | $170 |
| $43 | $112 |
| $38 | $103 |
| $26 | $69 |
 | $33 | $84 |
| $37 | $97 |
| $22 | $57 |
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.
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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.
Frequently Asked Questions
What company offers the best auto insurance for disabled veterans?
AAA provides the best car insurance for disabled veterans with affordable rates that average $84 monthly and roadside assistance services.
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.
Where can I find cheap auto insurance for disabled veterans?’
USAA offers the cheapest car insurance for military members and veterans. As a company founded by military members for military members, USAA has special programs and discounts available specifically for veterans.
Do veterans get cheaper car insurance?
Veterans and military members almost always pay cheaper rates for auto insurance. Due to their heroic service, insurance companies provide many military discount opportunities.
Does Progressive offer a military discount on car insurance?
Progressive offers a 25% military discount on car insurance. However, Progressive military 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 discounts to find out more.
Does State Farm offer a military discount on auto insurance coverage?
Like Progressive, State Farm offers only a 25% military discount to active-duty service members in Louisiana. If you’re looking for a State Farm disabled veteran discount, you’ll be disappointed to know that they do not currently offer one. However, State Farm does offer other discounts and benefits for military members and veterans, such as safe-driver discounts, anti-theft discounts, and multi-policy discounts.
What auto insurance has a military discount?
Geico and USAA provide military discounts in all 50 U.S. states. Both auto insurance providers were founded specifically to serve government and military personnel.
Does USAA give discounts to disabled veterans?
USAA does not give discounts specifically to disabled veterans because it already offers discounted auto insurance for veterans and their families. However, disabled veterans may still be eligible for other discounts such as a multi-policy discount, safe driver discount, or SafePilot discount. Learn about this discount in our USAA SafePilot review.
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.
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. Find out how to compare auto insurance quotes.
Does Geico offer a military discount for veterans?
Geico offers a military discount for veterans. In fact, veterans could receive the military and/or emergency deployment discount from Geico. Geico’s veterans car insurance discounts can help disabled veterans save up to 15% on their auto insurance. Learn more about Geico auto insurance discounts.
Does Allstate offer a military discount on auto insurance?
Yes, Allstate offers a military discount on auto insurance. This discount is available to active-duty military members, veterans, and their families.
The military discount applies to all branches of the U.S. Armed Forces – Army, Navy, Air Force, Marines, Coast Guard, National Guard, and Reserves.
To qualify for the discount, you must be a current or former military member with proof of service, such as a Military ID card, discharge papers, or other official documentation.
Are there discounts on auto insurance for the National Guard?
Yes, members of the National Guard are generally eligible for military discounts offered by auto insurance companies. Military discounts typically apply to all active duty members of the U.S. military, including the National Guard. It’s recommended to speak to an insurance agent to learn more about the specific discounts and coverage available to National Guard members.
What are some important tips for buying auto insurance as a disabled veteran?
Here are some essential tips to consider when buying auto insurance as a disabled veteran:
- Obtain quotes from multiple auto insurance companies to compare rates. Learn how to evaluate auto insurance quotes.
- Speak to insurance agents to determine eligibility for specific military discounts based on your driving record, location, and other factors.
- Have the necessary identification documents ready for review when shopping for auto insurance as a disabled veteran.
Preparedness can significantly simplify the process of obtaining the right auto insurance coverage as a disabled veteran.
Are there any specific auto insurance discounts for 100 percent disabled veterans?
No, there are no specific auto insurance discounts for 100% disabled veterans. However, auto insurance companies like USAA and Geico may offer discounts for veterans in general, which you may be eligible for.
Does the military provide auto insurance to active members?
No, the U.S. military branches do not automatically provide auto insurance to active service members. Service members are responsible for obtaining their own auto insurance coverage. However, many insurance companies offer discounts and special policies for active service members, which can help reduce costs.
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. Find out where you can compare online auto insurance companies.
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. Find cheap car insurance quotes for veterans by entering your ZIP code below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
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...
Licensed Auto Insurance Agent
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.