How to Get an Emergency Deployment Discount

If you're in the military, two auto insurance companies offer emergency deployment discounts to drivers. You can earn an emergency deployment discount from GEICO or USAA. The GEICO emergency deployment discount auto insurance rates are reduced by 25%. However, through USAA, any deployed military customer saves up to 60% for vehicle storage, regardless of if it's an emergency deployment or not.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2021

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Things to Remember

  • Military members can get emergency deployment discounts from two national auto insurance companies
  • Through GEICO, emergency deployed military customers save 25% on their annual premiums by earning this discount
  • Through USAA, any deployed military customer saves up to 60% for vehicle storage

Both USAA and GEICO offer emergency deployment discounts on auto insurance policies to military personnel.

Below, compare the GEICO and USAA emergency deployment discounts, and learn what other auto insurance discounts can help keep military rates low.

After reading about affordable emergency deployment discount auto insurance quotes, remember to enter your ZIP code into our free rate comparison tool above and find the best provider in your region.

What auto insurance companies offer an emergency deployment discount to military personnel?

If you’re looking for an emergency deployment discount auto insurance company, there’s only two to compare:

USAA insurance for active military is the most well-known, as the company does not sell policies to civilians.

USAA only serves active or retired military personnel and their immediate families. But GEICO policies are available to everyone.

So how do other GEICO military discount options compare with the specialized services from USAA?

The emergency deployment discount from GEICO stacks with other military-specific deals, leading to competitively priced rates compared with USAA.

Beyond the emergency deployment auto insurance discount, GEICO advertises the following unique military deals:

  • Military discount – 15%
  • Membership discount – 25%

Technically, civilians can also earn the GEICO membership discount. But the following four groups are military-specific and qualify for a rate reduction:

  • Association fo the United States Army
  • Armed forces Benefit Association
  • Navy League of the United States
  • Navy Federal Credit Union

GEICO allows customers who store vehicles on a military base to pause or reduce their coverage while deployed.

But USAA provides a more substantial rate reduction for regular deployment than GEICO. So USAA is often the best company for active military.

Oppositely, retired military customers usually earn cheaper auto insurance prices through GEICO.

However, there are many different factors that affect auto insurance rates, like your age, driving record, and coverage needs.

Therefore, to secure your best auto insurance prices, compare quotes online from multiple providers, even those that don’t offer this discount.

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What is an emergency deployment discount?

Emergency deployment discount auto insurance rates help keep your premiums low when you aren’t driving your vehicle.

Some people might consider canceling their insurance. However, this is not a good option. A lapse in coverage leads to increased insurance rates.

Also, anyone who is deployed qualifies for the USAA discount, regardless of it’s an emergency deployment or not.

USAA provides up to 60% off annual rates while deployed, as long as the vehicle is appropriately stored.

But through GEICO, only people stationed in imminent danger areas as designated by the Department of Defense (DOD) earn the 25% savings.

To get the GEICO military discounts, you must call 1-800-MILITARY and connect with the dedicated military customer service team.

USAA only works with military families and applies more deals automatically, as your military status is part of your application. However, you still need to communicate with an agent if you use USAA and receive an emergency deployment notice.

How else can military personnel save on auto insurance?

There are plenty of other ways for military members to save on auto insurance costs.

First, understand the auto insurance laws in your state. Purchasing only the minimum levels of coverage helps keep your rates low.

However, only comprehensive auto insurance protects your vehicle from damage caused by acts of nature, vandalism, and theft if you store your car.

You can look for additional military-specific discounts and take advantage of lower rates while deployed, but there are dozens of other loyalty deals and responsible driver discounts that you can also earn, including:

  • Claim free discount
  • Homeowner discount
  • Low-mileage discount
  • Multi-policy discount
  • Pay-in-full discount
  • Paperless discount
  • Safe driver discount

Besides USAA and GEICO, what are the best companies for military customers?

The following companies offer military discounts, and some reduce rates if you’re a member of the associations mentioned previously:

Finally, it’s vital military personnel know their rights under the Service Members Civil Relief Act (SCRA).

Under the protection of the SCRA, you cannot lose personal insurance or life insurance due to your active duty obligations.

Emergency Deployment Discount: The Bottom Line

An emergency deployment discount can help substantially reduce your insurance rates during an otherwise stressful time.

If you’re in the military, add GEICO and USAA to your list of companies to compare when shopping for auto insurance.

However, it’s still worth requesting quotes from other companies to accurately compare prices and find the provider most compatible with you.

You’ve learned how to buy emergency deployment discount auto insurance, now secure your best premiums and compare free quotes from reputable providers near you by entering your ZIP code into our rate tool below.

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

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