Auto Insurance for Navy Sailors

If you are looking for Navy auto insurance, you can expect to pay close to $1,200 a year for coverage. Navy sailors can check with auto insurance companies to see if they are eligible for any discounts on their rates. Companies like USAA and Navy Federal Credit Union may be good places to start when comparing Navy auto insurance quotes.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 29, 2021

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A Concise Overview

  • The average cost for Navy auto insurance is around $1,200 a year
  • If you are in the Navy, you may be able to get military discounts to lower your car insurance rates
  • You can store your car if you are deployed to cut down on the cost of car insurance

If you are a member of the Navy, you may be looking to start or update a car insurance policy. The good news is, you should have plenty of options to choose from when it comes to picking car insurance for Navy sailors.

Plenty of companies offer car insurance to people in the Navy. You may be happy with many of the rates you receive from different companies. But to be sure you’re getting the best deal for your dollars, you should shop around online.

Depending on your situation, you may want standard car insurance coverage, temporary car insurance coverage, or non-owner car insurance coverage.

If you are in the Navy and you’re looking for Navy car insurance quotes, enter your ZIP code into our free tool above to find the best rates in your area.

How much is auto insurance for Navy sailors?

If you are in the Navy, you can expect to pay around $1,190 annually for auto insurance.

According to the National Association of Insurance Commissioners, the average cost for car insurance is just under $1,200 a year or $100 a month.

While some people would consider your career a high-risk occupation, car insurance companies are not likely to increase your costs of insurance too much simply because you are in the Navy.

In fact, you may be eligible to receive a discount on your car insurance because of your service in the military. You will need to ask specific companies whether they offer military discounts to be sure.

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How can I find cheap Navy auto insurance?

One of the best ways to find cheap car insurance when you’re in the Navy is to see which companies offer discounts on their car insurance coverage. In addition to the military discount mentioned above, you could also be eligible for:

  • Safe driver discount
  • New car discount
  • Multi-car discount
  • Multi-policy discount
  • Good driving record discount
  • Professional organization discount

These are just a few of the discounts that some companies offer to their policyholders. Discounts are a great way to save at least a small percentage on car insurance coverage.

When people think of saving money on car insurance in the Navy, they likely consider options like USAA insurance or Navy Federal car insurance. While these are good options to consider, they may not always offer the most affordable Navy car insurance.

This is why it’s so important to shop around for quotes from USAA, Navy Federal, and other companies to ensure you are getting the rates you deserve.

There isn’t just one Navy car insurance company, so you have to shop around and see what’s out there before you make a decision.

In addition to seeking out available discounts, you can also do the following to try and lower your car insurance rates:

  • Improve your credit score
  • Shop around and compare car insurance quotes
  • Mention your deployment
  • Consider a higher deductible
  • Evaluate your overall coverage

By setting up your car insurance policy with a higher deductible, you could save on your monthly or annual rates. Similarly, lowering your coverage will in turn cause you to pay less for your car insurance.

How will my Navy deployment impact my rates?

If you are deployed or will soon be deployed, you may want to mention it to your car insurance company for a few reasons.

First, if you are going to be deployed and no one else plans to drive your vehicle while you’re gone, you could save some money on your car insurance by garaging your vehicle. When you do this, you won’t need to pay for accident-related coverage.

Next, when you are deployed, if someone does plan to drive your vehicle, they need to be sure their name is on the policy. This protects them and you if they are in any type of accident. They may want to get a non-owner car insurance plan just to be sure they’re covered.

Your car insurance company may have specific rules when it comes to car insurance coverage during deployment, so make sure you let them know as soon as possible about your schedule.

What should I do for Navy auto insurance?

The bottom line when looking for Navy car insurance is to shop around. There is no way to know how low you could get your car insurance rates until you do some price comparisons between multiple companies.

These comparisons impact your Navy car insurance rates, but they also let you know what’s available with many different companies at once with regard to coverage options, discounts, and more.

If you are looking to buy Navy car insurance, be sure to enter your ZIP code into our free tool below to compare rates from the best companies around.

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