Car insurance for military members

If you’re a member of the US armed forces or reserves, many retailers and insurance providers are willing to reward you for your service with discounts for you and your family — for life. It’s no surprise that those savings extend to special rates on car insurance for active service members and veterans.

• For military members & family
• Convenient service through the mobile app
• Coverage around the world

Our top pick: USAA

USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

• Save when you bundle your home and car insurance
• Driver & vehicle discounts
• 24/7 claims service through USAA’s free mobile app
• Membership savings
• Get dividends from company profits
• Flexible premium payments

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Compare car insurance for military members and veterans

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.	Get quotes More Info	Compare	loading Fetching your data...
Metromile		Optional			49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.	Get quotes More Info	Compare	loading Fetching your data...
The Hartford		Optional			Yes	All states except AK, HI, LA, MI, RI	Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.	Get quotes More Info	Compare	loading Fetching your data...
Root					52%	AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA	Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Get free quotes from top insurers for the exact coverage you need in minutes.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			No	AZ, CA, IL, UT	A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.	Get quotes More Info	Compare	loading Fetching your data...
State Farm		Optional			Yes	All 50 states	Get personalized, one-on-one support from your local State Farm agent. Start your policy today at 877-745-0232.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Get quotes More Info	Compare	loading Fetching your data...
Elephant		Optional			10%	IL, IN, MD, TN, TX, VA	Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Get quotes More Info	Compare	loading Fetching your data...

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Car insurance discounts and perks for military members

Most standard providers offer a discount for drivers who serve in the military, meaning you can compare offerings from both military-specific providers and multiline providers. To find an option that fits your priorities and needs, shop around and compare your options for the best value you’re eligible for.

• Military or former military discount. Active duty, retired and military members are eligible for premium discounts of up to 15%.
• Emergency deployment. If you’re part of an emergency deployment, you could be eligible for a deployment discount of about 25% off comprehensive coverage.
• Flexible policy management. Deployed troops could enjoy flexibility in suspending, canceling and reinstating auto insurance.
• Flexible payment schedule. Many insures 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 more than 30 days, with car purchase discounts and delivery to duty stations.

Can I get car 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.

• Temporary car insurance. Get coverage only for when you’re actually driving your car. Check in with your insurer to avoid a lapse in coverage.
• Storage or laid-up coverage. Cover your car while it’s sitting in storage or on base.
• Borrowed car insurance. Add yourself to someone else’s policy when you share or borrow their car.

Who has the best insurance for the military, USAA or Geico?

Both USAA and Geico offer benefits to military members, veterans and their family. For even more comparisons check out our full Geico versus USAA break down.

Who has the best military discounts?

While Geico and USAA tend to have the best rates and perks for military members, compare a few other alternatives for military discounts.

Bottom line

While USAA’s strong commitment to members of the military make it a strong choice among competitors, consider shopping around for car insurance before deciding on a provider.

Frequently asked questions about military car insurance

• If I’m in the reserves, can I still get car insurance discounts?

  That will depend on your provider, but it’s still 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 providers only offer significant discounts for military members when they’re deployed.

  To learn more about the conditions your provider has for a military discount, and whether or not you qualify, contact an agent or read the details of your existing policy.

• How much can I expect to save?

  This depends not only on which insurance provider you go with, but also the status of your service in the military.

  Veterans can expect a discount around 10% from any major provider; active service members can expect anything from 10-25% in discounts, with a few insurers offering massive breaks up to 90% if you’re sent on an emergency deployment or into an active war zone.

• Do I need car insurance while my car is in storage or on base?

  You may not be required to keep car insurance while your vehicle is in storage, but it could be a good idea anyway. Canceling it 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 insurance provider to get a full picture of your options.