Auto Insurance for Military Spouses (How to Save)

Being a military spouse is its own form of service. While your partner serves their country, it’s left to you to figure out the ins and outs of life in the meantime. Shopping around for products like insurance can feel tedious and trivial, especially amid the rest of the daily grind, but finding the best car insurance for military families is essential.

Fortunately, gathering quotes and finding the best deals on car insurance for army spouses or car insurance for air force spouses has become easier than ever, whether by phone, online, or via an app. Service members are valuable fixtures in our communities, and insurance companies have been finding more and more ways to slash rates for military households.

You’ll automatically be granted access to quotes and banking products with USAA. This exclusive insurer often offers the cheapest rates and best military discounts on auto insurance in the country.

Below you’ll find more companies that offer affordable auto insurance for military spouses and their families.

Best Auto Insurance Companies for Military Spouses

As a military spouse, you’ll find yourself automatically for USAA, a versatile company that supports military members and their families with insurance and banking products. Its rates are often among the most competitive, regardless of your state. Read our USAA auto insurance review to learn more.

Similarly, Geico has been incredibly popular among military members because of its deep loyalty discounts and a wide portfolio of insurance products. It is one of the best military discount car insurance companies, with a Geico insurance discount for veterans that rivals most other insurers. 

Geico is a good option for cheap car insurance for military families. The company slashes rates pretty heavily when you bring on multiple cars, plus their homeowners insurance rates are among the lowest when bundled. Compare USAA vs. Geico military auto insurance.

USAA vs Geico Average Monthly Auto Insurance Rate by Driver Age and Record

Chances are you aren’t in the market for a single quote on a single car. You’re looking for something more, and insurance companies reward that. These may be the best military car insurance companies for families, but you should get quotes from multiple insurers near you to find the lowest rates in your neighborhood for military spouse car insurance. (For more information, read our “GEICO vs. USAA: Best Auto Insurance for Military and Veterans”)

Best Auto Insurance Discounts for Military Couples with Children

Beyond specific military discounts on car insurance, you can get a head start on saving money by qualifying for other discounts on auto insurance for military families.

For instance, is your child about to nab their first permit or license? It’s never too soon to prepare yourself for the high costs of insuring young drivers. Read our guide for military spouses on how to get auto insurance for a first-time driver and ask about the following discounts for lower rates. 

Hunker Down with Your Chosen Company for Loyalty Discounts

Especially if you have children, establishing a long tenure with the same company can allow you to pass those same loyalty discounts down to your children as they take over the policies. Given the increase in risk for young drivers, this discount can help you save five to 10% with most companies.

Bundle Policies for Multi-Policy Discounts

Once your youthful driver gets a job and prepares for college, your household discounts will still apply until their permanent address changes. So if you get a discount for bundling auto and homeowners with the same company, so will your child.

Sign Your Child up for Usage Based Insurance

Usage-based insurance (UBI) can put an enormous dent in your monthly rates. Monitoring driving habits isn’t just a great way to save money. It allows your child to garner real-time driving feedback to help improve their skills on the road.

Different companies offer UBI, so compare programs with different companies to save the most on auto insurance for military spouses and families.

Allstate Drivewise Compared to Alternatives

When it comes to the best car insurance companies for military couples with children, both USAA and Geico offer UBI. Read our Geico DriveEasy review and USAA SafePilot review to find the best option for veterans and military families. (For more information, read our “Allstate Drivewise Review: Best Option for Vets“).

Earn Low-Mileage Discounts for Driving Less

Insurers reward those who drive less, but it usually involves vigilance on your part. Regularly reporting your odometer ensures that you’re only billed for miles logged. Drivers who stay below 11,000 miles per year usually earn the biggest savings. 

Sign Up for Defensive Driving Discounts

We don’t often consider taking online courses to save money, but a $20 course can save up to $5 each month. Companies renew these discounts when you renew your policy, so these nifty hacks pay off quickly.

Good Drivers Earn Accident-Free Discounts

If you have or are planning to start a family, then accruing accident-free discounts may save you big time down the road when your child begins to drive on their own.

Certain insurers also automatically apply accident forgiveness to policies if you remain accident-free long enough. This can pay off if you or any drivers on your policy get into a minor collision. 

Keep an Eye on Your Credit for Lower Rates

This may not sound like a discount, but credit scores factor into your overall risk rating. Military members with low credit often pay higher rates, so manage your credit score by making monthly payments on time. 

Understanding Military Auto Insurance and Deployments

In recent years, most companies have come around to offering services to designate when a driver is deployed in the military and unable to operate the vehicle while away. Learn more about your auto insurance options while deployed.

This can differ when military spouses and other family members still use the vehicle. If you inform your insurance company that your spouse is away on active duty, be equally sure to inform it upon their arrival back home. Explaining a claim involving a driver who was said to be out of the country is enough to ruin anybody’s day, even if it’s an honest mistake.

Making the Best Decision on Auto Insurance for Military Spouses

As you compare auto insurance quotes for military spouses and families, snag one from USAA and Geico. Ready company reviews, ask for all available discounts, and ask about coverage options.

Be sure you’re comfortable speaking with the company you choose because, in the event of a claim or an emergency, it’ll likely be you to call and make arrangements.

You don’t have to pick the right company on the first try. These contracts aren’t binding, so you can change insurance companies any time you want. Ask around and find out who insures those around you and why, as well as how their experiences have been.

Still, the best insurance is the one you don’t have to worry about. As a military spouse, you have enough on your plate, so insurance isn’t worth stressing about. Use our free comparison tool below to get stress-free insurance quotes today.