Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare car insurance for the military

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

Updated . What changed?

Fact checked

If you’re a member of the US armed forces, the reserves or are a veteran, many insurance companies offer rewards for your service with discounts and perks— for life. It’s no surprise that those savings extend some of the cheapest car insurance rates for families of military members too.

When choosing top insurance companies, we started with those that offer discounts and perks specifically for military personnel. Insurance companies with these offerings topped our best military car insurance choices: strong military discounts, extra savings for deployed service members, payment flexibility and good customer support ratings.

Best car insurance for the military and veterans

Both USAA and Geico offer auto insurance benefits to military members, veterans and their families, including discounts and policy flexibility.

Best companies list

Best cheap rates for service members: Geico

Roadside assistance

New car protection

Accident forgiveness
Geico has a long-standing reputation for low overall rates and deep discounts you can get — some military-related and others not. This company works well if you're insuring several vehicles or are looking for local help from insurance agents, as long as there's an agent in your area.
  • Known for the cheapest rates
  • 15% discount for active military or veterans
  • 25% discount for deployed service members with some restrictions
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
New car protection Yes
Accident forgiveness Yes

Best military perks and customer service: USAA

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

Best for payment flexibility: Direct

Roadside assistance

New car protection

Accident forgiveness
This regional company doesn't cater just to service members, but Direct Auto's steep military discount and flexible payment options are hard to find. Along with your savings, you can access insurance reps by way of 400 local offices for in-person support.
  • 25% discount for active military members
  • Text to pay for extra convenience
  • 400 local offices
  • Offers emergency protection plans for medical bills
States served Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, Virginia
Roadside assistance Optional
Pay schedule monthly, custom
Claims methods phone
New car protection No
Accident forgiveness No

Which auto insurance companies offer a military discount?

While Geico and USAA tend to have the best rates and perks for military members, check out a few other alternatives for military discounts.
Insurance companyMilitary discount
ArbellaYes, up to 10%
Direct AutoYes, up to 25%
GeicoYes, up to 15%
Liberty MutualYes
The GeneralYes
USAAYes, up to 15%

Compare military car insurance quotes

See which companies offer the best deal, whether you serve as active military or are a veteran.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.

Compare up to 4 providers

Auto insurance military discounts and perks to look for

Most standard insurers offer a discount for drivers who serve in the military, meaning that you can compare offerings from both military-specific and traditional insurance companies. Some of the perks to look for:

    • Military or veteran discount. Active duty military and veterans are eligible for discounts up to 15% off your premium.
    • 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.

    Can I get insurance for a car I don’t use while deployed?

    Yes, you have options for car insurance on a car you won’t use 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.

    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.

    Get the cheapest quotes

    Compare car insurance companies near you.

    Your information is secure.

    Frequently asked questions about military car insurance

    More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site