Smiling African American soldier couple talking near car

If you’ve served in the military, you and your family are eligible for special military car insurance discounts. USAA auto insurance is the top provider for active and retired military personnel, offering excellent pricing and top customer satisfaction ratings, according to a J.D. Power study.

Besides USAA Auto Insurance, these other insurers offer military auto insurance discounts:

  • Arbella
  • Armed Forces Insurance
  • Esurance
  • Farmers
  • Geico
  • Nationwide

Each military car insurance company has their own guidelines and provides different veteran car insurance discounts.

USAA Auto Insurance

Specializing in products and services exclusively for retired and active-duty military personnel and their families, USAA Auto Insurance is the top value when you’re shopping for the best military auto insurance discounts.

Depending on the state you live in, USAA offers up to a 15% discount on comprehensive and collision coverage for a car or truck garaged on a military base. If you’re deployed, you’ll receive up to 60% off your car insurance while your car is in storage.

Besides being the cheapest military car insurance option, USAA Auto Insurance gets top ratings for customer service. Once you’re covered by USAA, they guarantee you can renew your policy for life as long as you pay your premiums, remain qualified and keep your driver’s license valid.

Arbella

Arbella is a small insurer that is available for residents of Massachusetts who are deployed more than 100 miles away from their car. They offer a 10% discount for active-duty military.

Armed Forces Insurance

Similar to USAA Auto Insurance, Armed Forces Insurance is a military-focused insurance company. Prices and services are very competitive between the two military car insurance companies.

The main differences between AFI and USAA Auto Insurance are:

  • AFI has a financial rating of B++ while USAA has a rating of A++ from the global credit rating agency A.M. Best.
  • You can join the USAA if you’re active duty or retired military or if someone in your family is. Former spouses are included. Academy, ROTC, OCS/OTS candidates are also eligible. AFI membership adds active or retired department of defense civilian employees or current and former commissioned officers of the NOAA or PHS as eligible.

Esurance

Esurance offers military auto insurance discounts although they don’t specify online how to qualify.

Farmers

Farmers hires former military and provides a Veterans & Advocates support program to help veterans transition from deployment to work into the company. According to Farmers, one in four of their agents are military veterans. Military discounts depend on the product your choose and your location.

Geico

Geico stands for Government Employees Insurance Company. Government employees or military and their families qualify for military auto insurance discounts. Geico offers a 15% discount to veterans and military personnel. Active duty military get an extra 15% off.

To qualify for Geico’s veterans car insurance discounts, you need to be a member of:

  • Association of the U.S. Army (AUSA)
  • Fleet Reserve Association (FRA)
  • National Infantry Association (NIA)

Nationwide

Nationwide also offers military and veterans car insurance discounts.

Frequently Asked Questions

Which carrier has the best auto insurance discounts for the military?

USAA Auto Insurance has the best military and veteran car insurance discounts. Not only could you save considerably on your car insurance, but USAA rates high in customer satisfaction as well.

How do I get my military discount on auto insurance?

Depending on the insurance company, you need to be active duty or retired military, or a close family member of military personnel such as spouse or child, to qualify.

Can I get USAA insurance? 

Most likely, yes. You don’t have to be active duty military to get USAA car insurance. Here is who’s eligible for USAA car insurance, according to the USAA website:

  • Active, retired and honorably discharged officers and enlisted personnel of the U.S. military
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS)
  • Adult children (18+) of USAA members who have or had a USAA auto or property insurance policy
  • Widows and widowers of USAA members who have or had a USAA auto or property insurance policy

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