Military Car Insurance: Discounts, Quotes and Companies

November 5, 2013

Military car insurance is cheaper by definition, but there are different discount tiers available. Learn how to save money on military insurance.

A number of insurance companies offer cheap military car insurance. It's a way of thanking those serving their country, and also a reward for the maturity that develops, even in young drivers, when they join up and are trained. Discounts apply to those who are veterans too, and often to those who are spouses or adult children of those in a branch of the services.

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Discounts are available for military personnel because they and their families are considered a special case scenario. Because of deployment and frequent moving around, military personnel and their families would be penalized and charged higher rates if they had no special provisions.

In the past, when service members were deployed overseas, they often chose to discontinue their coverage. This showed up as a gap in car insurance, and they lost their military discount as a result. Nowadays, companies usually give a waiver to a member of the armed forces, letting them maintain their discount.

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Emergency Deployment Discount

If you are being deployed to an area of the world considered extremely dangerous by the Department of Defense, and have your vehicle stored in an approved storage facility, you are eligible for the emergency deployment discount. Check with your insurer to determine if they offer this discount. Some insurers offer other military discounts to members of professional military associations, such as the AFSA, AUSA, etc. Again, check with the insurance company to learn the exact details.

Comparison Shopping
Whether you are in the military or not, it is your responsibility to shop around for the best rates possible. For military members, there are resources you can turn to that offer advice for insurance options. Commanding officers, for instance, may be able to lead you in the right direction. Otherwise, the Internet is a great resource for finding favorable car insurance rates. Start with a company you have insured with in the past. Be sure to tell them of your active duty, retired or reserve status, and inquire about all the possible discounts for which you may be eligible. After receiving the first quote, don't stop there. Check with several competitors. You might find an even better deal elsewhere. With a little initiative, you will find the best rates for your situation.

Thankfully, there are a few companies that specialize in military discounts and all of them have extensive experience in this field.

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USAA, the United Services Automobile Association, specializes in services for the military, including cheap car insurance. If you remain accident-free for 5 years, your premium won't rise if you have one just accident.

They're very alert to military needs, and can arrange premium payments according to pay schedules.

The company has high ratings from several business organizations as well as excellent customer satisfaction. USAA is one of the leading companies for working with military personnel in the US, and very flexible to needs and changing situations, including deployment to danger pay zones.

As a USAA policyholder, you can update your policy information from anywhere, including on your mobile device. You can also print your insurance card when you need it. By logging into the members-only area, you can change your policy and print a new insurance card, even while you are at the dealership. Additionally, unlike other insurers, you can start a USAA payment plan without having to pay any interest or convenience charges.


GEICO treats the military very well. The company offers a 15 percent discount to everyone on active duty, as well as to retired military personnel and active or retired National Guard members. This can amount to significant savings over the course of several years.

GEICO also offers cheap auto insurance for the military when you're sent into imminent danger pay areas. These emergency deployment discounts apply if you're deployed to a number of zones, and are in effect as long as your vehicle is stored under one of the company-approved storage protection plans.

The extent of the company's commitment to the military is evident from the fact they have a dedicated Military Assistance Team, all comprised of former service personnel. Whatever branch of the service you were in, even the National Guard, you qualify for the discount. There are payment plans available to purchase insurance over time, and a 24-hour helpline for those who need it.

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Armed Forces Insurance

Armed Forces Insurance offers insurance in 10 states, and works with Progressive to also offer cheap car insurance for the military in another 28 states. Thus, they cover most of the country.

Headquartered in Leavenworth, the company was originally established to offer property insurance to serving personnel, before expanding into other forms of insurance. It's a member-owned and non-profit organization, setting it apart from other insurance companies. Members have access to the company 24 hours a day via the Web, which can be useful if you're in a distant time zone or unable to call during regular hours. You do need to have the paperwork to prove you are serving, or were honorably discharged, and then you may qualify for a discount. Membership of AFI can include spouses, children, and also widows. is an auto insurance comparison website that offers cheap car insurance for the military via its insurers. To qualify, you need to be a serving member of the military, National Guard or reserve, a retired veteran, an officer candidate or a spouse, ex-spouse or adult child of someone in the military.

Tips for Deployed Military Personnel

A few helpful car insurance tips can mean the difference between overpaying and car insurance discounts. One of the options many insurers offer to military personnel, in addition to military car insurance discounts, is a waiver if they are deployed overseas. Military personnel often choose to discontinue their car insurance coverage when they are deployed, causing a gap in coverage. As was often the case, they would be penalized through higher premiums because of this gap. Many insurers now waive this penalty for members of the military.

If you are in the military, it is helpful to look into your options for car insurance. If you are set to be deployed, there are some things you can do to not only safeguard your vehicle until you return, but to also ensure you aren't suddenly charged a higher rate.

Continued military discounts
Make sure you inquire with your car insurance agent about the deployment waiver. You are entitled to keep your military discount upon return, even with a lapse in coverage while overseas. If your insurer won't do this, find one that will.

Maintain coverage while overseas
Maintain a low level of auto insurance coverage while you are deployed if you are storing your vehicle in a garage. A small amount of insurance will protect you from financial harm if something happens to the car while you are away.

Coverage of family
If you are being deployed for a period of time and you have a family who needs coverage, ensure your auto insurance will cover your spouse's driving and the protection of your children. Just because you will be overseas does not mean that your spouse is no longer eligible for the military discount. Again, if there is a problem with the insurer because of this, it would be wise to insure through a different company that takes the needs of a military family into consideration.

Evaluate the company
If you are unsure whether or not your auto insurer will maintain your policy for your family while you are away, or will waive any penalties in case you have a gap in coverage, check to see their history in dealing with such cases. If the company has a proven track record of working with military personnel, chances are you will be satisfied with the coverage. If not, you may want to look elsewhere.

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When deployed, car insurance is probably the last thing a member of the military wants to think about. You have yourself and your family to consider first and foremost, but unfortunately, these matters must be dealt with. Many insurance companies offer discounts for military personnel, but make sure you will not be penalized for discontinuing coverage while you are deployed. Find an insurer who will waive any penalty and readmit you for coverage--with the discount. There are many respectable insurance companies who appreciate what you do for your country. Fair treatment with car insurance is how they show it.

Which States Have the Lowest Car Insurance Rates?

Car owners love to find new ways to save money on their insurance and one of those ways is to determine car insurance rates by state. When we talk of low insurance rates, the top ten states with the lowest car insurance rates include the following: Maine: $902.85, Vermont: $968.58, Ohio: $999.86, Wisconsin: $1,010.93, New Hampshire: $1,011.23, Iowa: $1,039.04, Massachusetts: $1,043.80, North Carolina: $1,130.45, Arizona: $1,152.50 and Tennessee: $1,170.12. The national average car insurance premium sits at $1,429.26. On the other side of things, the most expensive state for car insurance is Louisiana, which charges $2,510.87 for their premium.

Does the Auto Insurance Military Discount Apply for Family Members as Well?

Depending on the auto insurance company used by the active or retired military personnel, the auto insurance military policy can be used for the family members of the personnel as well. Two of the very first auto insurance companies to offer military personnel, active and retired, automotive insurance were Geico and USAA. The auto insurance plan for military personnel and their family members will have specific provisions in it that explain what will happen when the family has to move to another state, or even another country once deployment occurs. These provisions protect the policy holder from any surprise fees.

What is the Average Discount on Car Insurance for Veterans?

Not every insurance provider offers discounted car insurance for veterans. GEICO, which started business in 1936 as the Government Employees Insurance Company offers a flat discount of 15% to active duty, reserve and retired military personnel. USAA, the United States Automobile Association, offers many discounts to customers. One of these is a discount for active duty military personnel. While their website doesn't list a specific discount for veterans, contact your local agent for more details. Industrywide, the average discount offered to veterans for car insurance is going to be in the area of 15 percent.

Can Military Siblings Receive a Military Discount on Auto Insurance?

Active duty, reserve and retired military personnel are able to obtain a military discount on auto insurance. Siblings, brothers and sisters of military personnel may be able to obtain discounts on insurance coverage, but normally only the service member and spouse will be eligible for military discounts. However, if the service member obtains the policy and makes his or her siblings authorized drivers on the policy, siblings can obtain a discount. Military discounts are the insurance carriers way of saying "Thank You" to the service member for serving the country. Unless the sibling is also in the military, they don't qualify just because they are siblings.