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Compare car insurance for the military

Find the best car insurance for active military, veterans or their family members.

Our top pick

Best military perks and customer service: USAA

Optional
Roadside assistance

New car protection

Accident forgiveness
This company consistently sees high marks from customer reviews and rating sites, and it gears its insurance to the military and veterans specifically. Its discounts, flexibility and support for military members overseas make it a top choice if you're in the military family.
  • Known for low rates and high customer satisfaction
  • Low rates for military members and family
  • 60% discount for secure car storage while deployed
  • 15% discount for keeping cars on base
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone
New car protection No
Accident forgiveness Yes

Compare car insurance for military members

Name Product Military discount Roadside assistance New car protection Accident forgiveness Available states
Progressive
Yes
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Yes
Optional
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
The General
Yes
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
Liberty Mutual
Yes
Optional
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Car insurance perks for military members

Some of the perks to look for:

    • Emergency deployment. If you’re given last-minute deployment orders, you could qualify for a deployment discount for comprehensive coverage.
    • Flexible policy management. Deployed troops could see extra flexibility in suspending, canceling and reinstating auto insurance.
    • Flexible payment schedule. Many companies let you choose when to pay monthly premiums based on your pay schedule, which might not fall on a standard employer schedule.
    • Car buying support. Programs like USAA’s Overseas Vehicle Purchase Program help military members get a car if they’re stationed overseas for over 30 days, with car purchase discounts and delivery to duty stations.

    How to save on car insurance while you’re deployed

    You have a few options to save if you’re not using your car while you’re on base or deployed.

    • Storage or laid-up coverage. Cover your car while it’s sitting in storage or on base. This type of insurance will keep your car protected against theft, weather damage and vandalism — plus you won’t have to worry about a coverage lapse. By only having comprehensive coverage, you drastically reduce your premium.
    • Temporary car insurance. Get coverage for when you’re actually driving your car and no longer than that. Check with your insurance company to avoid a lapse in coverage, especially if your deployment could get extended. Temporary car insurance can cost more than storage insurance.
    • Borrowed car insurance. You may need to add yourself to someone else’s car insurance policy if you borrow someone’s car.
    • Nonowner car insurance. If you’re selling your car because of deployment and are planning to borrow someone’s car when you come back, you can look into nonowner insurance coverage. This type of policy protects you against liability if you damage someone else’s car or injure others in an accident.

    Should I cancel my insurance while deployed?

    Canceling your coverage completely leaves your car vulnerable and can lead to extra legwork once you’re back in the States. Canceling may end up costing you more over time than keeping minimal protection like liability or comprehensive coverage.

    This lapse in coverage can make getting insured again once you’re back more expensive. And if you drop coverage without filing the proper forms with the DMV you may end up with a suspended registration.

    Vehicle registration while deployed

    To drop your coverage down to comprehensive with storage or laid-up insurance, you may need to file an Affidavit of Non-Use or Planned Non-Operational Affidavit with your state’s DMV. You can check with your insurance company or the DMV to find out if your state requires this affidavit.

    Also, your state may have specific resources for military members. Your local DMV can help you find specific programs that help you keep your registration current while you’re deployed.

    Get car insurance quotes for military members

    See which companies offer the best deal, whether you’re on active duty or a veteran.

    Bottom line

    While USAA’s strong commitment to members of the military make it a strong choice among competitors, consider comparing car insurance companies before deciding on the best fit for you.

    Frequently asked questions about military car insurance

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