Best Military Auto Insurance

If you’re in the military, you need a military auto insurance policy. You may feel overwhelmed as you try to find the best policy for you and your family, but shopping for auto insurance in the military doesn’t have to be stressful. You must consider a few things before you make any decisions.

Being in the military may mean you don’t drive your vehicle much, or it could mean you drive it a lot. You’ll want to consider how much you drive when determining the type of coverage you want to purchase. 

You could buy a liability-only or minimum coverage policy that protects you if you damage someone’s property or injure a driver or passenger. Still, you may want to consider purchasing full coverage auto insurance that includes collision and comprehensive coverage. With this policy, you’ll be better protected if your vehicle is damaged and needs repair. 

As you shop for auto insurance for military personnel, you must compare quotes to determine which company offers the best options. While USAA does not offer coverage for individuals who do not have an affiliation with the military, it may be a great company for you if you’re in the military and searching for coverage.

Additionally, many companies offer specific discounts for auto insurance coverage. For example, you may be eligible for a discount if you have an affiliation with the military, if you are deployed or will be deployed soon, or if you’re a military veteran. You can speak with a representative from any company you’re considering to learn more about your discount options.

You should take your time and consider plenty of options in your search for proper coverage. Remember to find and compare auto insurance quotes from several companies in your area. Doing so will help you determine which company offers the best military auto insurance coverage you want at a price that works with your budget. 

What type of military auto insurance do I need?

If you’re in the military, you can consider the same types of auto insurance coverage that you would if you were a civilian. For example, military personnel can choose a standard, liability-only or full coverage policy that offers more protection in the event of an accident. Some of the most common types of auto insurance include:

• Property damage liability: Property damage liability auto insurance coverage helps if you cause an accident and damage someone’s vehicle or other personal property.
• Bodily injury liability: Bodily injury liability coverage helps if you cause an accident and injure one or more people. 
• Personal injury protection (PIP): Personal injury protection insurance helps with medical bills, lost wages, and funeral costs associated with a covered car accident.
• Medical payments (MedPay): MedPay coverage helps with medical bills like visits to the doctor and hospital stays after a covered accident. 
• Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage helps if someone causes an accident but does not carry the proper insurance. With uninsured/underinsured motorist insurance, your insurance company will pay for the damage.

Most states require liability auto insurance, and some require additional coverage like PIP, MedPay, and underinsured or uninsured motorist coverage. Still, you may want additional auto insurance that helps protect you if you’re ever in an accident or if something damages your vehicle.

Collision and comprehensive insurance help protect your vehicle. Collision insurance will pay for repairs if you cause an accident and the accident damages your vehicle. Comprehensive auto insurance pays for repairs if inclement weather, wild animals, theft, or vandalism damage your car.

How do I know what military auto insurance coverage to buy?

You must assess your needs and how much you drive to help determine which auto insurance coverage you need for your vehicle. For example, if being in the military means you don’t drive often, you may want a simple liability-only auto insurance policy. 

If you drive a good bit on and off base, you may want to invest in a full coverage policy for better vehicle protection. Of course, full coverage would be a better option if you have a relatively new or expensive car. Otherwise, you could pay for damages out of pocket if you’re ever in an accident.

Most lenders require full coverage if you have a loan or lease on your vehicle, so you’ll need to determine whether you need more than a minimum coverage policy based on your contract.

Once you determine the type of auto insurance you want, you can shop online and compare quotes from multiple companies to determine which offers the coverage you need at a price that fits your budget.

Read more: What You Need to Know about Auto Insurance for Military Veterans

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Why do I need auto insurance if I’m in the military? 

You may not need auto insurance if you’re in the military and do not drive or own a vehicle. But the vast majority of military personnel have vehicles and drive regularly. If that’s the case, you’ll need auto insurance coverage to protect you if you’re ever in an accident. 

When you purchase a good auto insurance policy in the military, you’ll get:

• Protection against the financial loss associated with a car accident
• Peace of mind when you’re on the road
• Protection of assets if your vehicle is damaged

Protection Against Financial Loss

When you have auto insurance, your insurance company will pay for damage or injuries you cause, as well as damage to your vehicle. If you were to drive without auto insurance, you would have to pay out of pocket for repairs to your vehicle, medical bills, and other people’s personal property.

Peace of Mind

With so many people on the road at any given time, it can be intimidating to drive in the midst of it and risk your safety and personal investments.

Fortunately, auto insurance can help you feel safe and confident when you get behind the wheel. If you purchase full coverage, your auto insurance policy will help you, and you won’t have to pay for repairs to your vehicle — even if you cause the accident.

You can also purchase add-on coverages like roadside assistance and rental car reimbursement that help with peace of mind, depending on your unique situation.

Protection of Assets

While your home insurance policy will likely protect the items in your car if someone steals them, auto insurance may help with assets specific to your vehicle if it’s stolen or damaged. For example, if you do aftermarket repairs to your vehicle or have a new sound system installed, your auto insurance coverage may help when it’s damaged and in need of repair. 

How much is military auto insurance?

Auto insurance rates will depend on specific factors if you’re a military member or veteran. Some of the most common factors to impact auto insurance rates include:

• Age
• Gender
• Location
• Credit score
• Driving history
• Car make and model 
• Coverage type

Some insurance companies offer more affordable rates to military members. Still, the only way to know how much your coverage will cost is to shop online and compare quotes from several companies.

Average Auto Insurance Rates for Military Members

In some cases, your ranking as a military member may impact your coverage rates. The average rates for minimum coverage auto insurance based on military rank are as follows: 

• Active duty: $515 annually or $43 per month
• Active reserve: $513 annually or $43 per month
• Inactive reserve: $513 annually or $43 per month
• Pre-commissioned officer: $513 annually or $43 per month
• Retired: $513 annually or $43 per month
• Separated: $509 annually or $42 per month

As you can see, rates are at least somewhat impacted by your role in the military. Still, other factors have an opportunity to impact your rates as well.

How do military auto insurance rates differ from non-military rates?

If you’re in the military, there’s a chance your auto insurance rates will be cheaper than if you do not have an affiliation with the military. 

A military member’s average auto insurance rate is $515 annually or $43 each month if you’re looking for a simple, minimum coverage policy. However, if you want full coverage auto insurance as a military member, you’ll pay around $1,719 annually or $143 per month on average.

If you do not have an affiliation with the military, you’ll pay around $565 annually or $47 per month for minimum coverage. If you want full coverage, you’ll pay around $1,674 annually or $140 per month on average. Full coverage is cheaper if you do not have an affiliation with the military, but liability-only policies are cheaper for military members.

Which companies offer the best auto insurance for military members?

When you’re in the military and searching for auto insurance, it’s important to shop around to see which company offers the best deals on coverage. Generally, the top three companies for auto insurance for military members include USAA, Geico, and State Farm.

USAA Auto Insurance for Military Members

Auto insurance rates with USAA are often cheaper than rates with other insurance companies. In addition, because USAA caters to military members and their families, the company often provides competitive rates and excellent coverage for its policyholders. 

With USAA, you can get low auto insurance rates in most cases for yourself, and the company prioritizes cheap insurance for military families as well. If you have children who drive, you may also get lower-than-average rates for teen and young adult drivers. In addition, the company offers excellent customer service and has several reviews from policyholders stating that customer service is helpful and effective. 

If you plan to leave your vehicle on base while on active duty, USAA offers significant discounts for auto insurance coverage. Additionally, the company offers other discounts that can help you save on your monthly or annual rates. One of USAA’s top discounts includes storing your car in a safe location when you’re deployed, which can help you save up to 60% on your coverage.

On average, rates with USAA are around 30% cheaper than the average rates in any given state in the U.S. It’s important to compare military auto insurance rates with other companies to ensure USAA offers the best coverage at the cheapest rate in your area. Read this USAA auto insurance review to learn more about the company. 

Geico Auto Insurance for Military Members

Geico may be an excellent option if you need auto insurance for military members. Geico is an especially good option for retired military members and military personnel who are not currently deployed.

Geico occasionally offers auto insurance rates that are cheaper than rates with USAA or State Farm. Still, Geico’s customer service rates are not as encouraging as USAA’s. According to J.D. Power, Geico scored four out of five for claims handling and three out of five for customer satisfaction.

Geico may offer the most affordable rates if you’re shopping for auto insurance for veterans. In fact, Geico offers a veterans discount. Still, it’s important to compare rates with other companies so you don’t overpay for your auto insurance coverage as a military member. Geico offers discounts for both if you’re looking for navy or army auto insurance options. 

Military members can take advantage of Geico’s military-specific discounts, like: 

• Association of the U.S. Army
• Fleet Reserve Association
• National Infantry Association

Auto insurance for deployed military members is likely cheaper with USAA than with Geico. While USAA offers deployed individuals up to 60% off their auto insurance coverage, Geico only offers a 25% discount. Therefore, it’s important to compare quotes between USAA, Geico, and other companies to determine which offers the coverage and the premium that work best. (For more information, read our “GEICO vs. USAA: Best Auto Insurance for Military and Veterans”)

State Farm Auto Insurance for Military Members

As you search for affordable auto insurance for military members, you should consider State Farm. While State Farm does not offer coverage or auto insurance for active duty military members specifically, the company often offers the most affordable rates in any given area. 

State Farm may offer the cheapest coverage in certain areas if you’re a military member. The company offers several discounts you may qualify for as a military member, like its good driver discount or steer clear program for young adult drivers.

You need to shop online and compare USAA, Geico, and State Farm prices to determine which company will work best for you and your family. Consider the coverage options available, discounts you may qualify for, and overall rates for monthly or annual coverage.

Read more: Cheapest Auto Insurance

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How can I find cheap military auto insurance?

The best way to find affordable auto insurance as a military member is to shop online and compare quotes. You can compare quotes from companies that openly state they offer cheaper coverage to military personnel and companies that do not offer specific coverage or discounts for people in the military.

You will learn which companies offer cheaper coverage based on where you live and a few factors specific to your life. For example, if you have a clean driving record and good credit, you may be able to find rates for auto insurance even cheaper than the average for military personnel in your state.

Assess Your Coverage

One way to get extremely affordable auto insurance coverage is to purchase a company’s liability-only or minimum coverage policy. Because minimum coverage offers the least protection on a vehicle, coverage often costs much less than a full coverage policy. 

If you are in the market for full coverage, you’ll need to compare quotes and coverages with several companies before determining which offers the better deal.

Increase Your Deductible

Another way to get cheaper auto insurance coverage is to increase your auto insurance deductible. Increasing your deductible can help you save money every month on your auto insurance rates. Still, it’s important to keep your deductible low enough to afford to pay it if you ever need to file a claim.

Search for Discounts

Many insurance companies offer military discounts on auto insurance to help people save a good bit of money on their monthly or annual premiums. As you search for discounts, you will learn which companies offer discounts you’re eligible for, and you can also see how much companies allow you to save with certain discounts.

Auto Insurance Discounts for Military Members

As you consider purchasing auto insurance with a company, learn more about its discounts to military members and policyholders. For example, you may find that you can save up to 25% on your monthly or annual auto insurance rates. 

Some of the most common discounts for military members include:

• Military personnel discount
• Active duty discount
• Deployed military discount
• Car-on-base discount
• Retired or reserved military discount
• Emergency deployment discount
• Military affiliation discount

Additionally, most insurance companies offer different types of discounts to their policyholders. Some of the most common discount options for drivers include:

• Defensive driving discount
• Accident-free discount
• Safe driver discount
• Low mileage discount
• Good student discount
• Away-from-home student discount
• Professional organizations discount
• Academic organizations discount
• Senior driver discount
• Homeowner discount
• Bundling discount
• Early signing discount
• Paid-in-full discount
• Electronic billing discount
• Loyalty discount
• Anti-theft discount
• Anti-lock brakes discount
• Passive restraint discount
• New car discount
• Daytime running lights discount

Auto insurance discounts can help you save 25% or more on your monthly or annual auto insurance rates. When you shop for coverage, speak with a company representative of any company you’re considering to learn how much you could save with coverage discounts. 

Why is auto insurance important for military members?

If you own a car, you need auto insurance. However, military people often spend certain amounts of time without driving their vehicles, and they may assume they can drop their auto insurance coverage.

No matter what you do, don’t drop coverage on a car registered with your state’s department of motor vehicles. You have to maintain coverage on your vehicle, even if you’ll go weeks or months without driving it. Otherwise, your state could assume you have lapsed coverage and have been driving illegally, which could lead to fines, license suspension, and more. (For more information, read our “Can you get car insurance without a license?“).

If you know you won’t be driving your vehicle for a while, speak with your insurance company about coverage options while your vehicle is safely garaged or stored. You may be able to pay substantially less in monthly or annual rates if you won’t be driving for a while.

Still, if anyone like family members or friends will occasionally drive your vehicle, you must keep proper coverage and will not qualify for garaging coverage.

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Auto Insurance for Military Members: The Bottom Line

You can find affordable auto insurance for military veterans and active military members. To find the best deals on coverage, it’s important to shop online and compare rates from multiple insurance companies. 

Military personnel may get cheap auto insurance rates with USAA, Geico, and State Farm. USAA and Geico offer discounts and special coverage options to people in the military, while State Farm often offers the cheapest coverage rates in certain areas.

If you want cheaper coverage as a military member, remember to compare quotes from multiple companies, lower your deductible, choose a lower level of coverage, and find discounts you’re eligible for. For example, auto insurance discounts may help you save up to 25% on your auto insurance rates.

Comparing quotes can help determine which company in your area offers the best coverage at the lowest price. Take your time and compare quotes from several insurance companies before you make a final decision on your military auto insurance.

 

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