Military Auto Insurance 2026 (Discounts & Benefits Revealed)
Military auto insurance offers exclusive benefits, with providers like USAA offering up to 15% savings and tailored coverage for active duty, veterans, and their families. Comparing military auto insurance providers can help you find even more affordable military personnel coverage.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
UPDATED: Nov 2, 2024
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Military auto insurance provides exclusive coverage and discounts for military members, with top providers like USAA insurance offering up to 15% savings. Whether active duty or retired, USAA consistently ranks highest for its tailored policies, competitive rates, and superior customer service.
Comparing quotes from different companies ensures you get the best deal. This article highlights key options and factors to help you make the right choice.
Many insurance providers offer affordable military auto insurance. Many soldiers out there are probably aware of companies that exist solely to provide insurance products to US military service members and their families.
It’s more than a “thank you”—it’s recognition of the maturity and responsibility gained from military training and careers.
Unlike some discounts, military auto insurance discounts often apply no matter what auto insurance coverage options you select. To compare rates for military auto insurance coverage, use our FREE comparison tool right now.
- Military auto insurance offers up to 15% discounts with top providers like USAA
- Veterans, active duty, and families can access tailored coverage and benefits
- Comparing rates helps find the best military auto insurance options
How to 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 percent off their military vehicle insurance policy, but additional benefits and services catered specifically to their unique circumstances.
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
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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 that 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 five years). They work well with unique military pay schedules and other specific needs that 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 percent discount to active duty members, retired military personnel, and National Guard members – whether retired or active. Geico provides cheap 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 servicemen 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.
Military auto insurance often provides up to 15% discounts, making top providers like USAA the go-to choice for service members seeking the best rates.
Melanie Musson Published Insurance Expert
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.
To find rates for military auto insurance, use our FREE comparison tool.
Frequently Asked Questions
What is the best auto insurance for the military?
USAA is often considered the best auto insurance for military personnel due to its specialized coverage, competitive rates, and excellent customer service tailored for military families.
What does military insurance cover?
Military insurance, such as TRICARE, typically covers medical care, hospitalization, prescriptions, and sometimes dental care for active duty service members, retirees, and their families. It may also offer additional benefits like mental health support and preventative care.
What is the cheapest car insurance group?
Car insurance groups vary by country, but in the US, insurance costs are influenced by the car model, driving record, and other factors. Generally, smaller and less expensive cars fall into cheaper insurance groups.
What is the highest military life insurance?
Servicemembers’ Group Life Insurance (SGLI) provides up to $500,000 in coverage for active duty members. This is one of the highest coverage limits available for military life insurance.
How to use military insurance?
To use military insurance, such as TRICARE, you must be enrolled and show your insurance card at participating medical facilities. For claims or specific services, follow the procedures outlined by your insurance provider.
What insurance do I have in the military?
Active duty service members typically have TRICARE for health insurance, and Servicemembers’ Group Life Insurance (SGLI) for life insurance.
What are the four types of veterans?
The four types of veterans commonly referred to are:
- Active Duty Veterans – Those who have served full-time in the military.
- Reserve Veterans – Those who have served in the Reserve or National Guard.
- Retired Veterans – Those who have completed a full career in the military.
- Disabled Veterans – Those who have been injured or become ill as a result of military service.
Can I add someone to my USAA car insurance?
Yes, you can add someone to your USAA car insurance policy. Contact USAA customer service to make changes to your policy.
Will USAA drop me for too many claims?
USAA may reconsider your coverage if you have an excessive number of claims, as it could indicate higher risk. However, each case is evaluated individually.
What type of car insurance is the cheapest?
The cheapest type of car insurance is typically liability coverage, which covers damages you cause to others but not to yourself or your vehicle. Coverage levels and costs vary based on state regulations and individual circumstances.
To learn more, read our “What is liability auto insurance?“.