Military Discounts on Auto Insurance and Which Companies Offer the Best Discounts

Many companies offer military discounts on auto insurance to active-duty members and veterans, but savings vary significantly by insurer and state. For example, some insurers offer garaging discounts if you’re deployed or savings if you belong to certain military organizations.

In addition, some insurers, like USAA and Armed Forces Insurance, specialize in auto insurance for military personnel and veterans instead of offering discounts on auto insurance for military personnel.

It’s essential to shop around when looking for cheap military car insurance. Compare rates and discounts to see which one offers the best deal.

Keep reading to learn more about auto insurance discounts for military members and which companies provide the best savings.

What are military auto insurance discounts?

Many insurers offer special auto insurance savings to veterans and active duty service members as thanks for their service. In addition, most military members show a sense of responsibility and discipline that lends to safe driving and cheap auto insurance for veterans.

In addition to a standard military discount, some insurers offer additional military-related discounts. For example, you may get discounts based on your membership in specific organizations, such as the Navy Federal Credit Union or the Armed Forces Benefit Association.

Depending on your situation, you may also qualify for emergency deployment or garaging discounts. Both discounts encourage military members to avoid a lapse in coverage with deeply discounted auto insurance rates when they don’t have their vehicles. (For more information, read our “How to Avoid a Lapse in Auto Insurance Coverage While Deployed“).

However, each insurer differs in military discount availability and savings. So, while one company may offer a 15% discount, another may not offer a discount at all.

Typically, you must show proof of current or previous service. If you are currently in the military, you may have to provide paperwork with your rank and dates of service. In addition, you may have to provide deployment paperwork if you’ll be garaging your vehicle while you’re away.

Which companies offer the best military auto insurance?

Many auto insurance companies offer discounts or lower rates to thank service members. We’ve gathered some of the best insurance companies for military members for you to compare.

The best auto insurance companies for military members include:

• USAA: USAA auto insurance is only available to military members and their families. Rates are typically cheaper than average, and USAA offers numerous discounts, with significant savings for garaging and deployment.
• Geico: Geico offers cheap auto insurance and up to a 15% military discount to active duty, veterans, National Guard, and Reserve members. In addition, Geico offers an emergency deployment discount and military organization discounts. Learn more about veteran discounts from Geico.
• Liberty Mutual: Liberty Mutual offers a 10% military discount and membership savings for the Military Benefits Association. In addition, Liberty Mutual provides comprehensive-only coverage for military personnel who don’t take their vehicles on deployment.
• Progressive: Progressive offers a military discount in some states. In addition, it provides comprehensive-only coverage and overlooks an insurance lapse for military members.
• Farmers: Farmers offers a 10% military discount but no other military incentives. However, the discount is offered to active duty, retired, or National Guard or Reserves members.
• Armed Forces Insurance (AFI): Armed Forces Insurance offers a military discount, but it varies by state. In addition, the company doesn’t penalize you for a lapse in coverage if you’re deployed.
• Nationwide: Nationwide offers a military discount, but availability and savings vary by state.
• Allstate: Allstate also offers a military discount, but it varies by state. Learn more about Allstate auto insurance discounts for veterans.

In addition, lower military auto insurance rates typically extend to your immediate family. Your spouse and children may be able to take advantage of lower rates and discounts as well.

Companies That Offer Military Discounts on Auto Insurance

Many insurance companies offer auto insurance discounts for the military. However, each company offers different rates and discounts. For instance, some insurers, like USAA and Armed Forces Insurance, cater to service members instead of offering a traditional military insurance discount.

In addition, the state you live in may also determine which discounts are available. For example, some states require specific veteran discounts. Otherwise, savings are only offered to current military personnel.

Remember, insurance companies offer multiple types of discounts based on the driver, policy, or vehicle that you can bundle with your military discount for the most savings, including:

• Safe driver
• Multi-car
• Multi-policy
• Good student
• Paid in full
• Continuous coverage
• Safety features

Check with your insurer to take advantage of all the savings available. Don’t forget to ask about bundling your auto insurance with other products, such as life, health, homeowners, renters, or motorcycle coverage. Insurers generally provide a discount if you sign up for multiple policies.

How can you find the best military auto insurance discounts?

As we’ve discussed, not all auto insurance companies offer the same military discounts. So, finding the best deal for you may take some research.

First, shop around. Every auto insurance company provides different rates and discounts to military members. In addition, some insurers provide discounts if you belong to a military organization.

For example, Geico offers discounts on auto insurance for Army personnel if they belong to the Association of the U.S. Army. Other Geico auto insurance discounts for Navy personnel may be available if they are members of the Navy League of the United States.

Next, compare rates and discounts. Some companies may offer higher discounts, but others may offer lower rates. For example, USAA auto insurance is only available to military members and their families. So, it doesn’t offer a military discount. Instead, it offers lower rates from the start.

Finally, consider specific situations that may arise. For example, Geico is the only company that offers an emergency deployment discount. This discount allows you to reduce your insurance coverage and costs while deployed significantly and not have a lapse in coverage.

While it may be tempting to cancel auto insurance while deployed, some important reasons exist to maintain coverage. Maintaining coverage allows you to avoid a lapse in insurance, which leads to higher rates when you get coverage again.

In addition, you should keep at least comprehensive coverage on your vehicle, even if you’re storing it. Comprehensive pays for damages from fire, theft, vandalism, falling debris, and acts of nature, like floods, hurricanes, and hail. Without coverage, you’ll have to pay for expensive repairs out of pocket.

What You Need to Know About Military Discounts on Auto Insurance

Since you don’t want to spend a lot of time researching military auto insurance discounts, we’ve compiled information about issues you need to know. Keep scrolling to get all the information you need about car insurance discounts for military members.

Finding Military Discounts on Auto Insurance

The best way to find military discounts and lower rates on auto insurance is to shop around. Compare rates and discounts from multiple companies to find the best deal. Since each insurer is different, getting numerous quotes is essential to finding affordable military auto insurance near you.

Special Requirements for Military Discounts on Auto Insurance

Be prepared to show paperwork with your current rank and dates of service. You may also have to show proof of membership to receive discounts for involvement in specific military organizations.

Since these requirements vary by insurer, read your policy carefully so you don’t miss out on any discounts available. For example, Geico offers an emergency deployment discount if you’re deployed to imminent danger pay areas and garage your vehicle, so you may have to provide deployment paperwork.

Read more: Geico Auto Insurance Discount for Veterans

Military Discount Savings on Auto Insurance

The amount you can save on auto insurance with a military discount varies significantly by the insurer. Geico offers the best military discount savings with up to a 15% military discount and a 25% emergency deployment discount.

Remember, some insurers, like USAA, offer lower rates to military members, even if they don’t offer a discount. So, comparing overall rates and discounts is critical to find the cheapest military auto insurance.

Military Discounts on Auto Insurance for Veterans

While some states only allow auto insurance discounts for active duty military, many states and insurers offer discounts to veterans. For example, USAA offers cheap veteran auto insurance and low-cost coverage to military family members. Also, Geico’s military discount includes veterans.

However, some states don’t include veterans in military discounts. In that case, the insurance company would need to offer a veteran discount in addition to a military discount.

Rates and discounts vary by insurer. Rember, rates may be lower with one company even if they don’t offer a veteran discount on auto insurance. So, shop around to find the best discounts and cheapest car insurance for veterans.

Auto Insurance Discount for Active Duty Military

Many auto insurance companies offer discounts for active duty military, but requirements vary by insurer. You may have to submit paperwork showing your rank and service dates.

Active duty military members may also qualify for additional discounts. For example, you may be able to get a deployment or garaging discount if you won’t be taking your vehicle with you. These discounts are especially important so that you don’t drop insurance and have a lapse in coverage.

Final Thoughts on Military Auto Insurance Discounts

Fortunately, military members have many choices for auto insurance. Most insurers offer military insurance discounts, and some companies cater specifically to service members. Geico and USAA typically have the most discounts and lowest rates for military members. Compare USAA vs. Geico auto insurance to see which has the best military coverage.

In addition to military discounts, you can save by bundling all available savings. Many drivers qualify for other discounts, such as safe driver, good student, multi-car, multi-policy, and vehicle safety feature discounts.

It should be noted that veterans may receive different discounts than active duty members. Some states require specific veteran discounts. However, each insurer offers different rates and discounts.

Shopping around is the best way to find affordable military auto insurance. Remember, a company may offer lower rates, even if it doesn’t offer a military discount. Compare rates and discounts from numerous insurers to find the best deal.