Military Discounts for Car Insurance
USAA and GEICO are the best options for military members, but other insurance providers also offer military discounts.
Written by Jessica Barrett
Edited by Kathleen Flear
Many
auto insurance
companies offer military discounts for active-duty members, veterans, and their families—but USAA and GEICO are two popular options with the best rates.- USAA and GEICO usually offer the lowest premiums and the best service for active military members and veterans.
- Active duty, retired, and honorably discharged members of the U.S. Armed Forces and their families usually qualify for military discounts—but each insurance company has its own car insurance discount requirements.
- When you’re shopping for car insurance, speak with your insurer to find out exactly how much you can save with a military car insurance discount.
- USAA and GEICO usually offer the lowest premiums and the best service for active military members and veterans.
- Active duty, retired, and honorably discharged members of the U.S. Armed Forces and their families usually qualify for military discounts—but each insurance company has its owncar insurance discountrequirements.
- When you’reshopping for car insurance, speak with your insurer to find out exactly how much you can save with a military car insurance discount.
Best car insurance companies with military discounts
USAA and GEICO tend to offer the best military car insurance for active service members, veterans, and their families.
USAA
USAA
USAA
only serves active and retired military personnel and their families—so while they don’t offer specific military discounts, they have some of the cheapest car insurance rates available. Average annual premium for full coverage: $1,235
Pros:
- Exclusive rates for active military members and veterans
- High customer satisfaction—4th place in J.D. Power 2022 U.S. Auto Claims Satisfaction Study
Cons:
- Does not serve non-military members
Geico
Geico
GEICO
doesn’t have military-specific insurance coverage but offers several discounts and a dedicated phone line for members of the military.Average annual premium for full coverage: $1,536
Pros:
- Discounts for military service, emergency deployment, and affiliations with specific military organizations
- Military center staffed with veterans and dedicated to helping military families buy and maintain policies
Cons:
- No specific car insurance coverage options for members of the military
Other car insurance companies with military discounts
- Armed Forces Insurance (AFI): Car, homeowners, and renters insurance to active-duty members, veterans, and their families
- Liberty Mutual: Discounts policies for active, reserved, or retired service members of the U.S. Armed Forces
- American Family: 15% discount for active duty members, reserves, and veterans of the U.S. Armed Forces and all first responders
- Kemper: Savings for active duty members of the military and National Guard
- Farmers: Discounts available to members of the U.S. Armed Forces on active duty, retired, or members of the National Guard or Reserves
Military discounts are (usually) for active duty personnel, veterans, and their families
Different insurers have different eligibility requirements for military discounts—and they’re not always available in all states. Here are the people who usually qualify with most insurance companies:
- Active duty service members of the U.S. Armed Forces: Members of the U.S. Army, Air Force, Navy, Marine Corps, Coast Guard, and National Guard are eligible for military discounts with most companies—sometimes with a letter of deployment.
- Veterans and honorably discharged members: Some insurers offer discounts to veterans, though rules and eligibility requirements vary.
- Family members: Most insurance companies offer discounts (or military rates, in the case of USAA) to the immediate family of military policyholders, including partners, widows, widowers, and children.
How to get a military auto insurance discount
To apply a military discount to your car insurance policy, you’ll need to speak with your insurance company or broker. They’ll be able to tell you exactly how much you can save on your annual insurance premium.
Most insurance companies require you to provide the following:
- Government-issued photo ID
- Proof of armed forces status—active-duty military orders, leaving and earning statement, DD-214 discharge statement, academy appointed letter, etc.
Remember: You can often combine other discounts with your military discount! Bundle your auto insurance policy with homeowners insurance, sign up for pre-authorized payments, and maintain a clean driving record to up your savings.
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FAQs
How much is a military discount?
Military discounts vary depending on the insurance company. American Family offers 15% off policies, while USAA doesn’t provide a military discount but exclusively serves members of the military with affordable premiums.
What are the best insurance companies for military discounts?
USAA and GEICO are consistently ranked highly for military members due to their affordable rates and great customer support.
Is USAA insurance only for the military?
Yes—you must be a current, retired, or veteran member of the U.S. Armed Forces to purchase an insurance policy through USAA. Policies are also available to spouses and children.
