Many auto insurance companies offer military discounts or special rates for active-duty service members, veterans and their families. Drivers can save with providers such as GEICO, Liberty Mutual and USAA.
Military discounts can sometimes be combined with other discounts.
Car insurance companies with military discounts
Some car insurance providers advertise military discounts to qualified drivers, while others offer special rates for military members and families.
| Insurance Company | Jerry Rating | Military Discount | Eligibility |
| GEICO | 4.3 | Up to 15% | Military service members, emergency deployment and affiliations with specific military organizations. |
| Liberty Mutual | 3.4 | Not disclosed | Active duty service members, retired or active reserves. |
| Farmers | 4.6 | Not disclosed | Active duty military service members, active reserves, retirees and honorably discharged members. |
Other insurance companies may offer military discounts to drivers in select states or with certain policies. If you’re active duty, retired or otherwise affiliated with the military, be sure to ask if additional discounts apply to your policy.
Military-led insurance providers
Some insurers offer insurance that’s tailored to drivers affiliated within the armed services.
USAA exclusively offers coverage to active and retired military personnel and their families. Eligible members won’t get military discounts on their car insurance, but USAA’s coverage is well-liked among policyholders. The insurer is among the best-rated in J.D. Power’s 2024 Auto Claims Satisfaction Study.
Another military-led company is Armed Forces Insurance (AFI). Like USAA, AFI offers several types of insurance coverage to its members, including car, homeowners and renters insurance. There isn’t an explicit military discount, as membership is limited to active-duty, retired or honorably discharged service members and their families.
| Insurance Company | Eligibility |
| USAA | Active duty, retired or honorably discharged military service members and their spouses or children. |
| Armed Forces Insurance | Active duty, retired or honorably discharged military service members and their spouses, children or parents. |
State-specific military discounts
In two states, military discounts are much easier to come by because they’re legally required.
- Louisiana: All auto insurance companies in the state are required to give a 25% discount on auto liability policies for active-duty and reservist military personnel based in Louisiana.
- Montana: If you’re a member of the Montana National Guard who has taken a defensive driving course, insurance providers are required to give you a car insurance discount. This discount must last for at least three years, but the discount percentage is up to the insurance provider to decide.
If you live in either of these states, ask your provider about your military discount options. This can be a valuable option if you want to save money when purchasing coverage from an insurer that doesn’t offer a nationwide military discount.
How to get a military discount
Each company has its own documentation requirements for determining your military discount eligibility. Talk to your insurer to learn more about what’s required and how to qualify.
Most insurance companies require the following:
- Your government-issued photo ID.
- Proof of armed forces status, such as active-duty military orders, a leaving and earning statement (LES), DD-214 discharge statement or academy academy-appointed letter.
If you’re the immediate family member of someone in the armed forces, these documents may still prove your eligibility. However, you may also need your family member’s government-issued photo ID for verification.
Who qualifies for a military discount?
Military discount eligibility varies by insurer, and some discounts aren’t available in all states.
Generally, you’ll qualify for an available military discount with most insurance companies if you are:
- An active duty service member of the US Armed Forces. Members of the US Army, Air Force, Navy, Marine Corps, Coast Guard, Space Force and National Guard are eligible for military discounts with most companies.
- A veteran or honorably discharged member. Some insurers offer discounts to veterans and those who have separated from service, though rules and eligibility requirements vary.
- Related to an eligible service member. Several insurance companies offer discounts (or membership eligibility, in the case of USAA) to the immediate family of military policyholders, including partners, surviving spouses, parents and children.
Who doesn’t qualify?
Depending on the provider, you may not qualify for a military discount if you were dishonorably discharged. Certain insurance companies also exclude military family members from discounts when the primary policyholder is not an active duty service member, veteran or honorably discharged member.
How much can you save with a military discount?
Depending on your insurance provider and state, it’s common for drivers to save between 10% and 15% with a military discount. If you opt for a military-focused insurer that often has low rates for eligible service members — like USAA or AFI — you may even save more.
It’s important to get multiple quotes and compare rates from different insurance providers to see which is right for you and your unique needs.
Other types of car insurance discounts
Insurance companies sometimes allow drivers to combine multiple discounts. Even if you qualify for a military car insurance discount, be sure to ask if other savings apply.
| Discount category | What it includes |
| Driver profile discounts | These discounts are based on things about you — your age, driving habits and how many years you’ve been insured, for example. |
| Driving history discounts | You may be able to save by avoiding speeding tickets, serious traffic violations or at-fault accidents. |
| Vehicle / anti-theft discounts | If you own a newer vehicle or have an anti-theft device installed in your car, you may be able to save on your annual rate. |
| Payment discounts | How you pay for your insurance policy can reduce your premium — like if you pay in full or sign up for online billing. |
| Policy discounts | Insurers reward you for bundling multiple policies, so it’s often a good idea to combine your home and life insurance with your car insurance. |
Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie\’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
