A few top companies provide the best military car insurance to men and women in uniform.


If you are searching for the best auto insurance for veterans and military, we are here to help serve those who have served. We’ll take a look at several auto insurance companies that offer military discounts, international options, and other accommodations, and take a closer look at our top two insurance providers.

Though these companies are the best auto insurance for veterans and military personnel, we encourage you to shop around a bit, compare coverage options, and get quotes, in order to make sure you get the best deal.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or call (855) 518-0148 to start comparing personalized car insurance quotes:


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Best Auto Insurance For Veterans And Military

In evaluating the best auto insurance, we found several insurance providers that stood out especially for veterans. To determine which company fits your needs, you should consider several aspects. First, you should look at the provider’s reputation. You also want to examine customer service rankings and the cost of having a policy. From there, it’s good to research the available car insurance discounts and look at the additional perks. We’ve already done all of that and found these five providers to provide the best auto insurance for veterans.

Best Auto Insurance For Veterans And Military Discounts/Perks Availability Cost Reputation
1. USAA Car Insurance

15% garage on base, 60% deployment

50 states Affordable High J.D. Power rankings for claims and shopping process
2. Geico Auto Insurance 15% military discount, 25% for emergency deployment 50 states Affordable A+ BBB rating
3. Liberty Mutual Auto Insurance Varies 50 states Average A BBB rating
4. Armed Forces Insurance (AFI) 15% garage on base 10 states direct, 38 more through partners Average A+ BBB rating
5. Esurance Auto Insurance Cancel policy during deployment without lapse in coverage 43 states Average A- BBB rating



USAA Insurance logo

#1 USAA Insurance: Best Overall Military Auto Insurance

Even though USAA doesn’t give service members a discount at all times, it’s still the most popular auto insurance for veterans and military. That’s because rates from USAA tend to be cheaper than rates from other companies, even with military discounts. With USAA, you also have the advantage of working with people who know what veterans need and want. USAA has an A++ rating from AM Best, so you know the company is on solid financial footing.

USAA also stands out for its customer service. The company has a Consumer Reports reader score of 92 – the highest out of any property and casualty insurance company. It also got a score of 900/1,000 on J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study, and a score of 896/1,000 on J.D. Power’s 2019 Insurance Shopping Study.

That means a majority of customers are satisfied with USAA’s claims process. You can file claims online or in the USAA app, and you can also call a phone number for immediate assistance. The USAA app has a Photo Estimation Tool that you can use for certain types of claims, too.

Another thing we like about USAA’s car insurance for veterans and military is that the company provides helpful information on joining the military, deployment, changing stations, and leaving the military. Available tools include:

  • Military pay calculator
  • Personalized military timeline
  • Deployment frequently asked questions
  • Permanent change of station (PCS) moving checklist
  • Military separation checklist
  • Military separation assessment

These resources show that USAA has knowledgeable staff that can help members of the military in a variety of situations. Of course, USAA’s product offerings extend beyond auto insurance for veterans and military and include financial planning, renters insurance, investing, life insurance, mortgage services, and more. The company’s life insurance options, in particular, include specialized options for service members.

To join USAA, you’ll need your basic contact information, plus details about your military service or that of a family member. If you have an immediate family member who has had a USAA auto or home policy, you are also eligible.



Geico Insurance logo

#2 Geico Insurance: Best Military Discount

While Geico doesn’t offer as deep of a discount when you’re on deployment, the company does give you a 15 percent discount for having served. You can get this discount for as long as you have coverage with Geico, which is pretty nice. Overall, Geico tends to cost a bit more than USAA, but the military discount can definitely help with that.

GEICO wrote over $33 billion in premiums in 2018 according to the National Association of Insurance Commissioners. Compared to other companies in the industry, it’s the second-largest auto insurer in the U.S. Geico also has a financial strength rating of A++ from AM Best, which means it’s fully capable of managing its assets.

The only downside of Geico’s auto insurance for veterans and military is that the company only gives you a 25 percent discount during deployment. Also, to get that discount, you have to be deployed to an imminent danger pay area or store your vehicle under an approved storage plan.

If you’re deployed somewhere else, you won’t be able to get that discount unless you can store your vehicle. You do have the option to downgrade your policy, as we said earlier, so that you don’t have a break in insurance coverage.

Here are some more discounts you can get with Geico that can lower your premium:

  • Discounts for being a good driver and a good student
  • Discount for passing a defensive driver course
  • Discounts for airbags, anti-theft devices, and anti-lock brakes
  • Multi-policy, multi-vehicle discounts
  • Federal employee discount

That last discount is something to keep in mind since many veterans go on to work for the federal government. If you do so, you could take advantage of both the military discount and the federal employee discount.

Geico also performed well on J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study. According to the study, many customers had positive experiences when filing a claim with Geico. The average time to close a claim in 2019 was 13 days, but Geico customers may experience shorter times on average. Customer satisfaction with Geico’s shopping experience isn’t as high since participants in J.D. Power’s 2019 Insurance Shopping Study rated it as average.

Use our tool below or call (855) 518-0148 to start comparing car insurance quotes:



What Does Auto Insurance For Veterans And Service Members Look Like?

Auto insurance for veterans and active duty military personnel includes standard coverages, some of which are required by state laws. While offerings can vary between companies, you’ll see these basic choices:

  • Liability car insurance: Bodily injury liability covers medical expenses for other people in accidents you cause, while property damage liability covers the cost to repair their vehicles.
  • Collision: This insurance covers damage to your car from an accident, and you can usually use it no matter who caused the accident.
  • Comprehensive auto insurance: This option covers damage to your car from other sources like vandalism or hail.
  • Medical coverage: Medical payments (MedPay) covers your medical expenses no matter who was at fault. Personal injury protection (PIP) is similar, but it adds coverage for lost wages and certain services as well.
  • Uninsured/underinsured motorist (UM/UIM): This option pays your medical bills and car repairs if you had an accident with an underinsured or uninsured driver. 
  • Gap insurance: This optional coverage pays the difference between what your totaled car is worth and the amount you have left on the loan.

Most car insurance companies don’t pay for mechanical breakdowns or failing parts, but that can be covered under an extended auto warranty.



Military Auto Insurance During Deployment

While standard coverages are important to have, there are some situations that are unique to service members. Auto insurance for veterans and military usually comes with a military discount, but not all companies offer special options for military deployment. Even when you’re deployed, you still have to maintain some level of coverage on your registered vehicles.

Suspend Or Reduce Coverage

One option that USAA and Geico both offer is to reduce your coverage during deployment. With Geico’s Military Storage Protection, you can suspend or reduce your insurance if you’ll be away for 30 days or more. However, remember that other family members won’t be able to drive your car if you reduce or suspend your insurance. With USAA car insurance, you can save up to 60 percent on your premium by storing your vehicle during deployment.

Non-Owner Coverage

Instead of reducing your coverage, you might choose to sell your car right before deployment. Doing this would avoid any lapse in coverage since you wouldn’t have a car registered to your name. However, what do you do when you come back on leave and want to drive a rental or a family member’s car?

Well, that’s what non-owner coverage is for. You can get this type of coverage through a number of popular providers. Non-owner coverage includes everything that standard coverage does except collision and comprehensive options. Since it covers less, it also costs less, too. Depending on whether or not you want to sell your car, carrying non-owner insurance during your deployment might be cheaper than continuing coverage with a company like USAA or Geico.



Best International Auto Insurance For Veterans And Military

You might want to take your car with you or purchase a vehicle to use overseas, but your standard insurance won’t automatically cover this. The good thing is that USAA and Geico both have options to add international coverage, and they both have offices abroad. Also, Geico offers a marine insurance option to cover your car if you ship it to a new location.

If you’re shipping your car, you’ll have to set up an international insurance policy before you leave. If you had left your car at home but decided to rent a car at your destination, you still need a separate international insurance policy.

An international insurance policy with USAA covers your car during transport. You also need insurance before you can register a car abroad, and most U.S. bases can help with the registration process. Finally, make sure you familiarize yourself with the roads at your destination. Many SUVs and trucks from the U.S. are too large to drive in other locations.



Auto Insurance Discounts For Military

When it comes to auto insurance for veterans and military, there are a few companies that give discounts year-round, whether you are on deployment or not. You’ll notice that USAA isn’t on this list, and that’s because the company only offers discounts for garaging your car on a base or storing it during deployment.

  • Geico auto insurance: 15 percent
  • Farmers auto insurance: About 5 percent
  • Liberty Mutual auto insurance: Discount varies
  • Esurance auto insurance: Discount varies
  • Wawanesa auto insurance: Discount varies (only available in Oregon and California)

The tool below will allow you to compare the prices of those companies that offer military car insurance based on your specific information. You can also call (855) 518-0148 for free, personalized insurance quotes.





FAQ About The Best Auto Insurance For Veterans And Military

What is the best auto insurance for veterans?

We think there are two great options for auto insurance for veterans and military. USAA has excellent rates and ratings for customer satisfaction. Active duty military will get low premiums plus a big discount for deployment. If you’re a retired member of the military, you might find better rates through Geico, which gives veterans a discount at all times.

Is USAA insurance only for veterans and military?

You can get USAA insurance if you’re an enlisted, active, honorably separated, or retired member of the military. National Guard and Reserve officers are eligible. Candidates in commissioning programs (ROTC) and spouses and children of USAA members can also get a policy. After a military member registers with USAA, eligibility can stay in the family as long as each generation purchases an auto or home insurance plan.

Is USAA the cheapest car insurance?

USAA offers cheap car insurance, and it can be the cheapest for many people. However, the rates you see depend on many things like your driving history, age, state you live in, and the type of car you drive.

Does the military provide car insurance?

No, the military doesn’t provide car insurance. However, many auto insurance companies offer discounts for members of the military and make it easy to manage coverage during deployment.

Who offers the best auto insurance for veterans?


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