Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Mar 13, 2020

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Many insurance providers offer affordable military auto insurance. Many soldiers out there are probably aware of companies which exist solely to provide insurance products to US military service members and their families.

And it’s not just a “thank you” for serving your country; it’s a recognition of the maturity and responsibility that naturally comes with military training and military careers.

Get Military Rate Discounts

Military service discounts go beyond active service members. Veterans, spouses, and the children of service members may qualify for military discounts on their auto insurance, too. But active service members can receive not only up to 15% off their military vehicle insurance policy, but additional benefits and services catered specifically to their unique circumstances.

Civilian vs. Military Auto Policy Discounts Legend: Civilian Driver Military Driver California Florida Illinois New York Texas 10 20 30 40 50 60 70 80 90 100 110 120 $64 $57 $126 $110 $34 $28 $93 $75 $105 $91

 
Additionally, members of professional military organizations and associations could be eligible for discounts. Some of these include:

  • Fleet Reserve Association
  • Air Force Association
  • Marine Corps League
  • Navy Federal Credit Union
  • Air Force Sergeants Association
  • Association of the United States Army
  • Pentagon Federal Credit Union
  • National Military Family Association
  • U.S. Coast Guard Chief Petty Officers Association

Military Car Insurance – Comparison Shopping

Military personnel have a variety of resources for finding affordable military car insurance. The Internet is an efficient way to find great auto insurance rates. Also, make sure you inform your insurance agent about your military status in order to get the best discounts. But don’t stop at the first favorable quote you get; shop around and compare rates.

Don’t forget to take a good look at the following companies, because they have extensive experience catering specifically to military service members and their families:

  • The United Services Automobile Association (USAA) specializes in providing affordable auto insurance for the military. They have a forgiveness policy which prevents your rates from going up, even if you have an accident (as long as you don’t put any other blemishes on your driving record for 5 years). They work well with unique military pay schedules and other specific needs which military jobs entail. USAA will work with you and your changing situation, regardless of whether you’re deployed or state-side. You can access your USAA account from anywhere (even your smartphone) and, unlike most companies, you may begin a USAA payment plan without needing to pay convenience fees or interest charges.
  • Geico will provide you with a 15% discount to active duty members, retired military personnel, and National Guard members – whether retired or active. Geico provides affordable car insurance for the military whenever you’re deployed to imminent danger pay zones. Geico has a specialized Military Assistance Team made of former service personnel for service personnel. Geico also offers payment plans available with your insurance policy, along with 24-hour customer service.
  • Armed Forces Insurance operates directly in 10 US states, and cooperates with Progressive in another 28 to further service military personnel. The company is based out of Leavenworth, and has a long history of providing insurance for service men and women. Unlike most insurance companies, Armed Forces Insurance is non-profit. If you can’t access customer service during regular business hours, you will have 24-hour access online. All you need is the proper paperwork to prove you received an honorable discharge. Widows, spouses, and children of military personnel also may qualify for military auto insurance.

Make sure that all insurance companies you are considering are licensed and visit the website of the NAIC (National Association of Insurance Commissioners) for more info.