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Best veterans and military car insurance

Updated Mar 13, 2023
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Military members and their families likely have different needs than those of civilians. Luckily, some car insurance companies recognize this and offer benefits and discounts that may not be available to the general public. Bankrate’s insurance editorial team (which includes licensed agents) breaks down the best car insurance for military families to better assist those who’ve served our country.

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Best car insurance companies for military personnel and veterans

Not all companies offer military discounts, while others offer multiple. Below, you’ll find some of the best car insurance companies for military families regarding military-focused savings opportunities. We’ve also included our proprietary Bankrate Scores, which range from 0.0 to 5.0. The higher the score, the better the company fared in metrics like third-party customer satisfaction scores, coverage options and discount availability.

Please note that the rates below do not include any military discounts applied. However, you could be paying more or less than the rates presented below (even if you qualify for a military discount) since rates depend on your personal rating factors. 

Car insurance rates for military drivers

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Monthly full coverage premium
$113
Company average annual full coverage premium
$1,353
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Monthly full coverage premium
$113
Company average annual full coverage premium
$1,361
Liberty Mutual
Rating: 4.1 stars out of 5
4.1
Bankrate Score
Info
Monthly full coverage premium
N/A
Company average annual full coverage premium
N/A
Arbella
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
Monthly full coverage premium
$129
Company average annual full coverage premium
$1,551
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
Monthly full coverage premium
$133
Company average annual full coverage premium
$1,598
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 874 AM Best: A++

Average annual premium

$ 1,353 for full coverage
Geico Review

Geico has a long history of providing car insurance tailored for military families, including military-focused discounts. Geico offers a hefty discount of up to 15 percent to eligible military personnel and veterans, including those in the National Guard and Reserves. Geico’s emergency deployment discount may also help military members deployed into imminent danger areas save on their policy if their vehicle is in storage while they’re away. Geico also offers military discounts for members of certain associations, including the Armed Forces Benefits Association (AFBA), Navy League of the United States (NLUS), Navy Federal Credit Union (NFCU) and American Society of Military Controllers (ASMC).

Best for top-notch customer service

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 890 AM Best: A++

Average annual premium

$ 1,361 for full coverage
USAA Review

USAA is only available to eligible military members, veterans and their immediate families, but those who qualify might find some of the best customer service. Although J.D. Power does not officially rank USAA due to its strict eligibility requirements, the company consistently earns stellar scores across a variety of metrics, including the 2022 U.S. Auto Claims Satisfaction Study used to evaluate the companies on this list. In addition to top-notch service, policyholders may earn military-specific discounts, including up to a 15 percent discount on optional comprehensive coverage for a car or truck garaged on a military base. Deployed policyholders could also earn up to 60 percent off their car insurance while their vehicle is in storage.

Best for telematics

Rating: 4.1 stars out of 5
4.1 Bankrate Score
JD Power: Not rated AM Best: A

Average annual premium

N/A for full coverage
Liberty Mutual Review

Liberty Mutual offers a discount for active duty, retired or reserved military members, but its telematics program RightTrack helps it stand out from the crowd. RightTrack is available in most states, and you could save up to 10 percent off your car insurance premium simply by signing up. Once enrolled, the RightTrack mobile app (or plug-in device for those in New York) will monitor your driving habits for 90 days. After the 90-day period, safe drivers could get a discount of up to 30 percent. However, it is important to mention that risky drivers could see a rate increase rather than savings. Still, this discount could save you a substantial amount (depending on your driving habits).

Best for local agencies

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A

Average annual premium

$ 1,551 for full coverage
Arbella Review

Arbella is a small auto insurance company that sells and services its policies through a network of independent agents. Although Arbella is only available in Connecticut, Massachusetts and New Hampshire, drivers in these states may enjoy the personalized service that a regional company may provide. Local agents might be more in-tune with your market since they also live in the community they serve. Eligible policyholders could earn up to 10 percent with Arbella’s military discount. Additionally, the company’s Customer Care Package add-on could make for a robust policy by adding new car replacement coverage, trip interruption coverage and more.

Best for unique coverage options

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 893 AM Best: A

Average annual premium

$ 1,598 for full coverage
Farmers Review

Farmers’ might not be the cheapest car insurance for military members, but eligible active duty, active reserves, retired and honorably discharged military members could earn Farmers’ affinity discount. Farmers’ policyholders can also choose from a wide range of coverage options to tailor their policies to their specific needs. Some of Farmers’ unique endorsements include original equipment manufacturer (OEM) coverage, spare parts coverage, guaranteed value coverage, new car replacement and full windshield and glass.

Cost of car insurance for military drivers

For veteran or military drivers shopping for car insurance, it’s important to know that car insurance rating factors are not greatly influenced by specific military status. With everything else equal, active-duty, retired and reserve military members all pay about the same for auto insurance. Your status could, however, determine if you qualify for a company’s military discount or for coverage from a company that specializes in military coverage. Many companies will not extend a discount to those with a dishonorable discharge, for example.

Additionally, military families have unique stressors and life impacts that non-military families likely don’t face. That means these shoppers may want to seek out military-specific benefits for their car insurance. Military discounts and storage plans, for example, can be a great way for military families to save on their premiums.

Military discounts to look for

Military car insurance discounts are one of the easiest ways to save on your premium. Here are some common discounts that eligible policyholders may be able to take advantage of:

Canceling your car insurance for an upcoming deployment

If you are preparing for deployment, it may be important to make some changes to your car insurance policy. The best option may be to pause your coverage (sometimes called a storage plan) rather than cancel your policy. Canceling your auto insurance causes a lapse in coverage, which can have consequences, like higher rates and even driver’s license suspension.

If you have car insurance through USAA, you may save up to 60 percent on your insurance if you store your vehicle while deployed. However, you should only consider putting your vehicle in storage during deployment if it’s not being used and is not accessible to others. For example, if other drivers use the car while you are deployed, you cannot put the vehicle into a storage status.

You could also qualify for a car insurance discount based on the number of miles you drive in a year. If you are a Geico customer, you can suspend or reduce your insurance coverage if you are deployed and store your car for more than 30 days.

How to reinstate your car insurance after deployment

After you return home from deployment, you should reinstate your car insurance policy before you drive again. Otherwise, you could put yourself at risk for driving uninsured. Most times, you simply need to contact your car insurance company to take your policy off pause.

If you reduced your coverage to save money during deployment, you may want to consider increasing certain coverage types before you start driving. Keep in mind that you must reinstate your insurance before you hit the road if insurance is required in your state. Driving without insurance or proof of financial responsibility is illegal (in most states), and it can come with heavy consequences if you get caught.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor