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
All 50 states
12 months, 6 months, custom
New car protection
Compare car insurance for military members
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.
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.
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
That will depend on your insurer, but it’s likely that you can get at least a small break on your car insurance if you’re a member of the armed forces reserves. But some companies only offer significant discounts for military members when they’re deployed.
To learn more about the conditions your insurance company has for a military discount, and whether or not you qualify, contact an agent or read the details of your existing policy.
You may not be required to keep car insurance while your vehicle is in storage, but it could be a good idea anyway. Canceling coverage means putting yourself at risk of paying out of pocket for any damage that happens while you’re away, and can create a coverage gap that makes your future premiums more expensive.
A stipulation of your loan may be that you carry insurance, even if the car is in storage. Check with your lender and your insurer to get a full picture of your options.
Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
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