Does cheap military auto insurance exist?

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Things to remember...

  • USAA remains one of the leading insurance providers for military personnel
  • Armed Forces Insurance offers auto policies in 10 states and, through Progressive, an additional 28 states.
  • A Geico auto insurance offers seven different auto insurance coverages, each with their own amount

Choosing auto insurance can be a grueling process for anyone, especially if you’re in the military. You want coverage that is flexible and a company that is understanding of the different lifestyle transitions of a servicemember.

Fortunately, these companies offer an assortment of inclusive benefits and have the reputations of giving their military members the specialized attention they deserve.

Enter your zip code into our FREE auto insurance comparison tool to compare several rates at once!

1. USAA

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This company remains one of the best auto insurance companies for military personnel. They maintain high ratings from several business organizations by accommodating the needs of servicemembers and delivering excellent customer service.

Financial Benefits:

  • Members save an average of $450; more if auto coverage is combined with another USAA product, like property or life insurance
  • Members can save 15 percent on comprehensive coverage if the insured vehicle is housed on a military installation, in most states
  • Flexible payment options are available according to members pay schedule, at no extra cost
  • Safe driver discounts and good student discounts (for dependents) are also available

Coverage Options:

  • USAA offers both comprehensive and collision coverage for insured vehicles
  • Liability protection is offered to cover body injury or property damage caused by the vehicle
  • Members can obtain personal injury protection and coverage of medical expenses for themselves and uninsured/under-insured passengers
  • Additional insurance is recommended for roadside assistance, rental car reimbursement, and accident forgiveness

Advantages

  • Easy Access- Members can manage policies, get quotes, request auto ID cards, and more online or from a mobile device
  • Claims Service- Guaranteed repairs at over 2,300 USAA-approved locations nationwide
  • USAA Roadside Assistance- Available 24/7 for towing, gas delivery, and tire replacement
  • Guaranteed Renewal- Members get continuous coverage as long as the ability to drive and other basic requirements are met
  • USAA Auto Circle- Members can find, finance, and insure their vehicle using one company

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2. Geico

Another company very popular with the military. They have an excellent reputation for being flexible and understanding of the needs of service members.

Financial Benefits

  • Active duty, retired, National Guard, and Reserves service members may be eligible for discounts of up to 15 percent on their premium.
  • Emergency deployment discounts are also available.
  • Geico offers discounts to certain military-affiliated professional organizations (listed below):
  1. AUSA (Association of the U.S. Army)
  2. EANGUS (Enlisted Association of the National Guard of the U.S.)
  3. FRA (Fleet Reserve Association)
  4. MCL (Marine Corps League)
  5. NIA (National Infantry Association)
  6. NMFA (National Military Family Association)
  7. NFCU (Navy Federal Credit Union)
  8. PFCU (Pentagon Federal Credit Association)
  9. CPOA (U.S. Coast Guard Petty Officer’s Association)

Coverage Options

A Geico auto insurance offers seven different auto insurance coverages, each with their own amount. The member’s payment is the total of these amounts.

The different coverage benefits are as listed:

  • Comprehensive and collision coverage for insured vehicles
  • Bodily injury coverage provides protection and, if necessary, legal defense if you injure or kill someone while driving your vehicle
  • Personal injury coverage, which includes medical expenses of injured passengers in your vehicle
  • Uninsured motorists coverage pays for injuries caused by an uninsured driver or a hit-and-run driver
  • Rental reimbursement
  • Property damage liability

Comprehensive physical damage insurance covers losses resulting from incidents other than a collision (i.e. if the vehicle is stolen, or damaged by flood, animals, or fire).

Advantages

  • Geico operates numerous offices worldwide to assist service members and government employees while they are serving abroad
  • Geico can suspend or reduce members’ coverage when their duties require them to store their vehicles for extended periods of time
  • Geico has established a scholarship program with the University of Maryland for dependents of military and federal personnel who are in financial need of tuition assistance
  • Secure online accounts allow members to access and manage all aspects of their finances online

3. AFI (Armed Forces Insurance)

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An established company that has been providing reliable insurance for the military since 1887. Armed Forces Insurance offers auto policies in 10 states, and, through Progressive, an additional 28 states.

Financial Benefits

  • Members can receive a discount of up to 10% if they include renters or homeowners insurance in their coverage
  • Good Driver Discounts for drivers who have been accident-free for the 5 years preceding coverage
  • Multi-Vehicle Discounts
  • Driver Training Credit, for drivers less than 21 years old who successfully complete a state-approved driver training course
  • 15% discount on comprehensive coverage when the vehicle is housed on a military installation
  • Various discounts of up to 15 percent for vehicles equipped with anti-theft devices
  • Special discounts ranging from 5 percent to 30 percent when the vehicle is equipped with certain safety devices
  • Members have the ability to lower their premium when they choose to raise their deductible

Coverage Options

  • Comprehensive and Collision Coverage
  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments Coverage
  • Personal injury Coverage
  • Airbag and seat belt endorsement provides a death benefit or medical benefit of $10,000 if a covered person is injured or killed in a collision while wearing a seat belt or in a vehicle with an airbag
  • Airbag Replacement Coverage handles repairs on an airbag that deploys for any reason with no policy deductible
  • Electronic Equipment Coverage, when purchased with comprehensive coverage, includes loss of or damage to electronic equipment that is permanently installed in your vehicle
  • Rental Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorists Coverage

There are other companies, like Esurance, that may not offer a specific military discount on your premium.

However, most will allow you to discontinue coverage if your vehicle is garaged while you are overseas, without penalty. Esurance will waive any penalties incurred in your absence when you return.

Things to Keep in Mind:

  • Maintain a small amount of auto coverage while you are overseas. This will protect you and save you money if something happens to your vehicle while you are away.
  • Be sure to find a provider that will not penalize you for discontinuing service while you are deployed, and who will also restore your coverage when you return, with the discount.
  • Ensure your family’s coverage. If deployment is a possibility, confirm with your provider that your auto insurance will cover your spouse’s driving, and also protect your children. Being overseas should not mean that your spouse isn’t eligible for coverage.

For those serving in the military, choose an auto insurance policy that is the right one. It is imperative that your insurance company understands your lifestyle needs and is willing to accommodate them, whether you are at home or overseas.

Although it can be confusing and often tiresome, knowing that you and your family have well-rounded coverage will give you much needed peace of mind. One simple way to compare auto insurance rates is by entering your zip code into our FREE comparison tool!

FREE Auto Insurance Comparison

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