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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.
Both USAA and Geico offer auto insurance benefits to military members, veterans and their families, including discounts and policy flexibility.
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 |
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 |
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 |
Insurance company | Military discount |
---|---|
Allstate | Yes |
Arbella | Yes, up to 10% |
Direct Auto | Yes, up to 25% |
Farmers | Yes |
Geico | Yes, up to 15% |
Liberty Mutual | Yes |
Progressive | Yes |
The General | Yes |
Titan | Yes |
USAA | Yes, up to 15% |
See which companies offer the best deal, whether you serve as active military or are a veteran.
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:
Yes, you have options for car insurance on a car you won’t use while you’re on base or 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.
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.
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.
Compare car insurance companies near you.
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