Best Military and Veteran Auto Insurance Discounts in 2025 (Service Members Get 15% Off!)
The best military and veteran auto insurance discounts offer savings of up to 15%. USAA has the best prices for veterans and military, with rates starting at $59/mo. Car insurance companies will require proof of military service for a veteran or military discount.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: May 23, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 23, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you are a veteran or military member, you can save money on your auto insurance policy with the best military and veteran auto insurance discounts.
Many major car insurance providers offer military and veterans car insurance discounts for their service.
Our Top 10 Company Picks: Best Military and Veteran Auto Insurance Discounts
| Company | Rank | A.M. Best | Savings Potential | Who Qualifies? |
|---|---|---|---|---|
 | #1 | A++ | 15% | Active military, veterans, families |
 | #2 | A | 13% | Active military, veterans, families |
 | #3 | A++ | 12% | Active duty, veterans, national guard |
 | #4 | A+ | 10% | Active military and veterans |
 | #5 | A | 10% | Active military, veterans, reservists |
 | #6 | A+ | 9% | Active military and veterans |
 | #7 | A++ | 8% | Active military and veterans |
 | #8 | B | 8% | Active military and veterans |
 | #9 | A+ | 7% | Active military, veterans, and families |
 | #10 | A+ | 7% | Active duty and veterans |
We’ve done the research, so you’ll know how to save with military and veteran discounts, as well as other ways to save. Does State Farm offer veterans discounts? Does Progressive offer veteran discounts? We’ll answer these and other questions you may have, so keep reading to learn more.
Ready to find military and veterans auto insurance discounts now? Enter your ZIP code to get free quotes and find the lowest military and veteran auto insurance rates.
- Most auto insurance companies offer military and veteran discounts
- To qualify, customers must show proof of military service
- USAA offers military members and veterans some of the lowest rates
How to Get Military and Veteran Auto Insurance Discounts
So now you know that a military car insurance discount is available, but how do you take advantage of it? Who offers military car insurance discounts?
Most big-name car insurance companies will offer some military or veterans car insurance discounts when you request a quote. Several specialty car insurance providers offer exclusive military rates that are more competitive than some market rates.
However, depending on the auto insurance company, there are requirements that must be met in order to qualify. For example, The General military discounts are only offered in Louisiana, while State Farm military discounts are only available in select states (you’ll need to speak with a licensed agent to find out if it’s available in your state). For more details on The General, see The General auto insurance review.
If you are looking for a discounted rate on auto insurance for veterans, you’ll want to look specifically for companies that give discounts to veterans, as most companies only offer discounts to active duty military.
Daniel Walker Licensed Insurance Agent
Additionally, while members of all branches of the military can usually qualify for special rates and discounts on an auto insurance policy, they must provide proof of military or veteran status. Generally, military and veteran discounts are available for the following:
- Coast Guard and National Guard
- Reserves
- U.S. Air Force, Army, Marine Corps, & Navy
- Veterans
- Military or Veteran Spouses and Family Members
As you can see, Navy personnel, as well as members of every other branch of the United States military, typically qualify for car insurance discounts. As we noted, veterans and members of the service are highly esteemed. Popular insurance providers like Geico, Farmers, and State Farm are likely to offer a sizable military discount.
- Geico offers military discounts up to a 12% discount. Find out more at Geico auto insurance review.
- Farmers Insurance offers an estimated 13% discount. Find out more at Farmers auto insurance review.
You know you must buy auto insurance coverage to drive in most states in the United States legally, and this can get expensive. One of the simplest ways to save money on car insurance is by taking advantage of discount military vehicle insurance. When you’re looking for cheaper car insurance, money talks. These discounts can make a big difference in rates.
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Auto Insurance Rates at the Best Companies with Military and Veteran Discounts
Your personal risk factors, such as age, vehicle type, driving history, geographic location, and gender can also influence a discount. See the rates at the best military and veteran discount companies based on driving record below.
For example, if you have a serious driving infraction on your record, like a DUI, you may pay more than a civilian does for car insurance, even with a military discount. In most cases, men pay more for car insurance than women as they are seen as riskier drivers.
However, you can fully utilize your discount to keep your car insurance rates low.
Military & Veteran Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
 | $63 | $164 |
| $56 | $150 |
| $47 | $123 |
 | $61 | $161 |
| $53 | $141 |
| $32 | $84 |
The best way to find out what kind of military discount you may be eligible for is to request multiple auto insurance quotes from competing providers (Read More: How To Get Multiple Quotes Before Buying Auto Insurance). By some estimates, you can expect to save an average of 15% off your annual rates if you are a veteran or are currently serving in the military.
Why Auto Insurance Companies Offer Military Discounts
Why do auto insurance companies offer military discounts? Members of the military are offered many VA benefits and discounts with companies throughout the nation. There is a reason that auto insurance discounts are offered to military service members: reputation.
Many car insurance companies take your occupation into consideration when adjusting rates, and members of the military may receive a rate that is lower than other occupations before any discounts are applied.
Dani Best Licensed Insurance Producer
Car insurance rates are calculated based on different statistical risk variables. You may have noticed that car insurance rates tend to decrease naturally with age for drivers with good driving records.
Learn More: How To Lower Your Auto Insurance Rates
These drivers are considered less likely to cause an accident. In the same way, military members and veterans are known for their discipline and training. For this reason and others, military service members are often offered discounted insurance rates.
The Top Company for Best Military and Veterans Auto Insurance
The best car insurance for veterans and military members will depend largely on your specific circumstances, which is why shopping around is a great idea so you can find the cheapest car insurance for your military family.
That said, USAA is one of the best military car insurance companies for military personnel and veterans.
The company is highly rated for its relationship with the military and the services it provides specific to service members. USAA offers insurance coverage for active duty service members and military veterans who have been honorably discharged.
USAA car insurance was created by army officers as a low-cost auto insurance option for fellow service members and veterans. Since the company was formed in 1922, it has grown to provide coverage for millions of servicemen and women around the world.
Take a look at this table to see how USAA car insurance rates compare to average rates in states across the country. For more details, see our USAA auto insurance review.
Military & Veteran Full Coverage Insurance Monthly Rates by State
| State | Rates |
|---|---|
| Alaska | $103 |
| Alabama | $105 |
| Arkansas | $116 |
| Arizona | $112 |
| California | $140 |
| Colorado | $115 |
| Connecticut | $123 |
| Delaware | $156 |
| Florida | $142 |
| Georgia | $132 |
| Hawaii | $83 |
| Iowa | $86 |
| Idaho | $77 |
| Illinois | $92 |
| Indiana | $92 |
| Kansas | $111 |
| Kentucky | $145 |
| Louisiana | $173 |
| Massachusetts | $101 |
| Maryland | $129 |
| Maine | $80 |
| Michigan | $238 |
| Minnesota | $124 |
| Missouri | $102 |
| Mississippi | $105 |
| Montana | $107 |
| North Carolina | $86 |
| North Dakota | $124 |
| Nebraska | $104 |
| New Hampshire | $86 |
| New Jersey | $138 |
| New Mexico | $105 |
| Nevada | $114 |
| New York | $138 |
| Ohio | $82 |
| Oklahoma | $118 |
| Oregon | $102 |
| Pennsylvania | $112 |
| Rhode Island | $143 |
| South Carolina | $117 |
| South Dakota | $109 |
| Tennessee | $102 |
| Texas | $133 |
| Utah | $96 |
| Virginia | $81 |
| Vermont | $93 |
| Washington | $80 |
| Washington, D.C. | $129 |
| Wisconsin | $94 |
| West Virginia | $116 |
| Wyoming | $104 |
Rates from USAA are an average of 34% lower than rates from a standard auto insurance provider.
Armed Forces Insurance (AFI), established in 1887, is another specialty auto insurance provider, well-rated for its military and veteran discounts.
Armed Forces Insurance offers membership to active duty, retired, or honorably discharged military (including National Guard and Reserves); Department of Defense civilian employees; National Oceanic and Atmospheric (NOAA) or Public Health Service (PHS) officers; Service Academy members; and spouses and children.
In states where AFI coverage is not available, Armed Forces Insurance can insure through an affiliate provider in 48 states.
Geico was founded as an insurance company for government employees. However, they now offer discounts of up to 15% to active-duty military, veterans, and National Guard and Reserve members. Active-duty personnel who are deployed may also receive an Emergency Deployment Discount.
The only way to find out if you qualify for a military discount from a standard or specialty provider is to ask for a free quote.
An insurance company can help you determine your personal risk factors and military status to provide a more accurate discounted rate. Many insurance companies offer tools that will help you buy auto insurance online. Online insurance tools make comparing options easy and instant.
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Tips for Getting Cheaper Veteran and Military Auto Insurance
The military and veteran discounts we’ve already discussed are available, but the rest is up to you.
There are several variables out of your control, like gender and age, that can impact car insurance. Yet many other factors are within your control and can be used to find affordable military auto insurance.
Here are some ways to pay less on auto insurance as a military member or veteran:
- Drive Safe: This seems like a no-brainer, but it’s true. Your military and veteran car insurance rates are directly impacted by your driving history. State Farm offers drivers a 5% discount just for signing up for their Drive Safe & Save defensive driving program.
- Bundle Cars and Policies: If you have more than one driver under your roof, you’re in luck. Adding two or more vehicles to the same car insurance policy could offer savings of up to 20%. Lumping together renter’s, homeowner’s, condo, and/or life insurance with the same provider could offer a discount of up to 25%.
- Cancel Collision Coverage: If you are deployed and won’t be driving your car at home for an extended period of time — more than a month — make sure to tell your car insurance provider. Many insurers will allow you to cancel additional collision car insurance during deployment when a vehicle is not in use.
- Pay Upfront: If you have the means to set aside a sizable chunk of cash, now is the time to do it. Paying for your premium annually instead of month-by-month will offer an extra discount, on top of a discounted military rate.
- Raise Your Deductible: If you can afford it, do it. Your deductible amount is inversely related to your car insurance premium. If you are able to afford a higher deductible — $1000, for example — you’ll pay less in annual insurance.
Most importantly, when you comparison shop and receive quotes from a minimum of three car insurance providers, you’ll get a better idea of a fair market military discount rate. A simple comparison could save you hundreds of dollars a year on your premium.
What to Consider When Buying Military Auto Insurance
Auto insurance for military members is different since there is a whole new list of things to consider, such as buying car storage insurance before you deploy.
When you are a member of the military, there’s a chance you will be deployed. What happens to your car insurance when that happens? What things do you need to handle before you leave? Here are some things to consider.
Pausing Auto Insurance Coverage
First, ask can you pause your auto insurance coverage? It might be tempting just to cancel your car insurance coverage when you are facing a lengthy deployment. If you cancel your coverage, when you get ready to purchase more car insurance later, you can be charged a higher rate for having a lapse in coverage.
It’s better if you pause your coverage. Many auto insurance companies will allow you to pause coverage until you get back. This way, you won’t have a lapse in coverage on your record.
Speak with your agent to find out if your car insurance company offers that feature. If you happen to leave for deployment and cancel (instead of pause) your insurance, and you find that your rates have risen since your return due to a lapse in coverage, you may be able to get your rates reduced at the companies with the best auto insurance for military members by showing proof of deployment during the lapse.
Vehicle Storage
Many times, you will want to store your vehicle while you are gone. If you do, consider changing your car insurance to comprehensive coverage only. This will not only continue to protect your car from theft, fire, and flood damage, it will also prevent a lapse in coverage. You can also save up to 90% on your rates when you store your vehicle with a vehicle storage discount.
Comprehensive coverage is often fairly inexpensive, and it will give you peace of mind while you are deployed. You should also keep in mind that your insurer and your state’s DMV may have specific requirements for storing your vehicle during your deployment. You should contact your insurance agent and your DMV to ask about registration. You may need to file an affidavit of non-use so that you can keep your car registered without liability coverage.
Reinstating Auto Insurance
When you return from your deployment, you will want to reinstate your auto insurance before you drive at all. Driving without insurance can result in fines, driver’s license suspension, and possible jail time.
Reinstating your auto insurance policy after deployment should be fairly painless, especially if you have just paused your coverage or changed your coverage for your stored vehicle. Make sure you reconsider your coverages and make adjustments to suit your needs.
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A standard discount is available to active military and veterans from most major and specialty car insurance providers. This military insurance discount is a small token of appreciation for the men and women who have served our country.
The information discussed should not be used as the sole consideration when selecting insurance. Confirm the best coverages through an agent or other authorized insurance representative.
Finding the Best Auto Insurance for Military and Veterans
If you’re looking for the best car insurance for military and veterans, your best bet is to shop around. As we noted earlier, discounts are available from some companies, but this can also be dependent on where you live and other requirements you’ll need to meet to qualify.
Now that you know how to buy auto insurance with military and veterans discounts, shop around. We can help you find the most affordable military and veterans car insurance quotes with the click of a button.
Ready to shop for affordable auto insurance as a military member or veteran? Use your ZIP code to get free quotes from military and veterans car insurance companies near you.
Frequently Asked Questions
How can I get a military or vets auto insurance discount?
Most auto insurance companies simply require proof of service, such as your military ID number, to qualify for a military or vets car insurance discount.
What is the best auto insurance for military and veterans?
There are a couple of companies that only sell car insurance for veterans, as well as active-duty military members and their families. This includes military car insurance from Armed Forces Insurance and USAA, which we discussed in detail in a previous section.
Does Progressive offer military discounts?
Progressive does offer a military discount in Louisiana. While Progressive military discounts may not exist in some states, Progressive does offer military perks and a number of other discounts for which you may qualify, so it pays to speak to a licensed insurance agent to find out your discount options. Find out more in our Progressive auto insurance review.
Who has the cheapest auto insurance for military members?
On average, USAA has the cheapest car insurance for military and veterans, with rates starting at $59/mo.
Can you get a lower military car insurance rate while deployed?
Yes, the best car insurance for military members will have a storage discount for deployed military members who aren’t using their cars during deployment.
What are the car insurance companies that offer military discounts?
The top 3 auto insurance companies for military and veterans with military discounts are USAA, Farmers, and Geico. More of the best auto insurance companies that offer military discounts include Liberty Mutual, Nationwide, and other major companies.
Is there an Air Force auto insurance discount?
Yes, any member of a military branch can qualify for a general military discount, whether you are looking for an Armed Forces car insurance discount or the best National Guard car insurance discount.
Where can I get cheap car insurance for Armed Forces?
Shopping around for quotes is the best way to get the best car insurance for military members at a cheap price. Start today by entering your ZIP in our free quote tool.
What is the best vehicle insurance for vets?
A full coverage auto insurance policy will provide the best vehicle protection for vets but may not be necessary on older cars.
What is good car insurance for military members?
Deployed Military members should shop at companies with storage insurance, while non-deployed military members will benefit from full coverage insurance.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
