We found the best rates and coverage for military families, veterans, and active military members.
USAA has been dedicated to serving military members for over 100 years. It offers some of the cheapest rates available ($1,151 annually, on average) and comes with discounts and perks catered to the unique needs of military members, whether you want minimum coverage or full coverage.
Clearcover is the cheapest auto insurance provider on this list and provides a good option for military members on a budget. Clearcover is only $1,119 annually, which is about half the national annual average of $2,071.
Active military members and veterans have unique auto insurance needs. Whether you need to leave your vehicle in storage, find additional insurance for your family in the U.S., or take advantage of the best military/veteran discounts, you’ll want to make sure you’re in good hands. And if you’re preparing for deployment, you probably already have a lot to think about: your family back home, your career and future in the military, your deployment time, your children’s education, and more.
That’s where we come in. AutoInsurance.com is dedicated to providing the most accurate and helpful auto insurance recommendations so you don’t have to. Below is our list of best auto insurance providers for military members.
Best Overall Auto Insurance for Military: USAA
Best Cheap Auto Insurance for Military: Clearcover
Best Auto Insurance Discounts for Military: Geico
Best Auto Insurance Add-ons for Military: American Family
Best Auto Insurance Bundling Options for Military: Farmers
Feature | #1. USAA | #2. Clearcover | #3. GEICO | #4. American Family | #5. Farmers |
---|---|---|---|---|---|
Average annual cost | $1,151 | $1,119 | $1,194 | $1,400 | $1,878 |
Student discounts
for full-time students with at least a B average |
Yes | Yes | Yes | Yes | Yes |
Bundling discounts (renters or homeowners insurance) | Yes | No | Yes | Yes | Yes |
Vehicle storage options | Yes | No | No | No | No |
Military discounts and resources | Yes | Yes | Yes | Yes | Yes |
J.D. Power satisfaction ranking (out of 1,000) | 884 | N/A | 828 | 899 | 848 |
Our full review | USAA review | Clearcover review | GEICO review | Coming Soon | Coming Soon |
USAA has facilitated the financial security of its members since 1922. It offers the cheapest rates out of the top 10 largest insurance providers and has a wide range of discounts, perks, and bundling options for military members.1
USAA is only available to military members. With a USAA membership, you can enjoy affordable rates, financial advice, and a number of other exclusive benefits like travel deals, shopping rewards, and car rental discounts.
There’s a reason that USAA is our top choice for military members, veterans, and military families. It’s one of the few providers to offer discounted vehicle storage insurance when you’re on deployment, and all of its perks extend to your spouses and children so you know they’re taken care of while you’re away. Here are some of the more notable USAA membership perks:
USAA members can benefit from an impressive number of discounts. Many of these apply to auto insurance, you’ll also gain access to other insurance options, financial advice, and guidance for when you return to civilian life. The average driver saves $725 a year with USAA discounts. Those discounts and perks include the following:
USAA understands the challenges of deployment, leaving your family behind in the U.S., and acclimating to life abroad. Its insurance policies and features are designed to help make your time abroad as seamless as possible. With USAA, you won’t have to cancel your insurance policy if you’re deployed for a permanent change of station (PCS). Rather, USAA offers liability coverage, vehicle storage, and personal injury coverage even when you’re abroad.
Contact USAA’s advice center to learn about the ins and outs of deployment to these countries and territories:
Clearcover is our most affordable pick for military members. It’s priced at $1,119 on average annually, and it offers a handful of unique perks like excellent rideshare coverage. Clearcover has lightning-fast claim payouts (its record is seven minutes) and some of the most generous discounts for military personnel and their families.
On top of safe driver discounts, vehicle feature discounts, and upfront payment discounts, Clearcover gives all active military service members 15 percent off on their auto insurance. If you’re living in Louisiana, you and your children under the age of 25 can receive an additional 25 percent discount. Speak to an agent to see how you can save money and get discounts on car insurance rates from Clearcover.
Clearcover is a good option for military personnel who value lightning-speed claims resolution. Clearcover pays off most claims in under a week, and its record is less than seven minutes.
You can manage and track your claims all through the mobile app. All you need to do is upload photos of the damages into the app, answer a few questions, and let Clearcover take care of the rest. If you don’t want to file a claim through the app, you can call 855-441-1875.
Clearcover isn’t just cheap; it’s convenient as well. You can manage most of your auto insurance needs like claims, bills, and customer service requests from its award-winning mobile app. This is good news for military members who want to stay on top of their insurance needs from their phones, wherever they are.
There’s more to GEICO than a gecko mascot, funny commercials, and an iconic slogan. GEICO offers military personnel some of the lowest prices in the country ($1,194 on average annually) and a long list of military discounts. If you’re on a budget and you want a trusted and reliable provider with some attractive offerings, GEICO might be for you.
There’s a reason why GEICO covers over 28 million vehicles as an insurance provider. GEICO is available in every state and district in the U.S., and it has great car insurance rates for new drivers, older adults, military members, veterans, and others.
Its web accessibility policy guarantees that it’ll provide you with the information you need if you can’t find the information online or have trouble reading its documents or web pages for any reason. GEICO’s affordable auto insurance rates, wide geographic range, and commitment to providing you with the information you need make it one of the most accessible insurance providers in the country.
On top of providing some of the cheapest rates in the country, GEICO has a long list of discounts that means you can save a ton on your insurance. Here are some of its most appealing discounts for military members:
Aside from a long list of regular discounts to benefit from, you might be eligible for some of GEICO’s military perks and resources. GEICO’s Military Center is staffed with U.S. veterans from all services and has been providing military auto insurance for over 85 years. Its program has a dedicated support team catered to military members and veterans, custom military insurance and ID cards, a fast and convenient military pay plan, and more.
On top of that, you can get info on deployment, overseas insurance, military pay charts through GEICO’s brochures and online military resources.
Though not available in every state, American Family is a great option for military members looking to gain additional car insurance coverage and add-ons, like gap insurance and accidental forgiveness. It ranks highest for midsized insurance providers on J.D. Power’s customer satisfaction rankings with a score of 899.2 Its annual rate of $1,400 is not much more expensive than Clearcover and USAA, making it a good alternative for military drivers or veterans on a budget.
Deployed military members can gain peace of mind with a wide array of coverages for their families during deployment. One of American Family’s biggest appeals is its auto insurance add-ons and coverage options. On top of liability coverage, underinsured/uninsured motorist protection, medical payments (PIP), collision, and comprehensive coverage, you can also get the following protections:
American Family has several great discounts for young drivers and students. Whether you’re a student driver in the military or you’re the parent of a young driver, you can benefit from the following young driver and student discounts:
The last thing you or your family members need while you’re away on deployment or active duty is difficult customer service interactions. American Family has the highest J.D. Power customer satisfaction score for midsized auto insurance providers. As a member of the military, you can rest easy knowing American Family will take care of any claims, auto insurance issues, billing questions, or other issues that may come up while you’re serving your country.
Farmers is a reliable insurance provider with excellent bundling options for military members. While its rates aren’t the cheapest option ($1,878 annually on average), it has a number of military and non-military discounts that can bring your total price down. We think Farmers is a good option for families and military personnel looking to unify their various insurance needs under the same provider.
Depending on where you live and the specifics of your insurance policy, you can expect to save as much as 20 percent by bundling home and auto insurance coverage. Additionally, you can save by bundling any business insurance, life insurance, and other insurance plans with your car coverage. Military members can save time by bundling the following insurance types under a single Farmers policy:
Farmers Insurance offers a few unique discounts for military and non-military personnel. You can speak to an agent to learn if you’re eligible for a business/professional military group discount on your auto insurance. These are some of the other discounts you might be eligible for:
If you don’t need all of the perks or additional bundling options that Farmers offers, you can opt for one of its minimal insurance packages. You have three options: Standard, Enhanced, or Premier.
Package | Feature |
---|---|
Standard | Affordable rates designed for new homeowners |
Enhanced | Higher policy limits and extra coverage options |
Premier | Available everywhere except California; highest coverage limits and guaranteed Farmers Replace Cost, which covers 100% of the cost to rebuild your home after a loss |
Our focus throughout this guide was to find the best rates, perks, and incentives for members of the military, veterans, and military families. While our data-driven numbers show what your prices and incentives might look like on average, the most accurate way to get a price range is to ask an agent.
Your age, location, driving history, gender, and other specific factors play the strongest role in determining your costs and policies. Based on the company information available to us, direct quotes, and data we’ve collected, we think these rates/benefits will apply to most military drivers who fall under the region/specifications of each provider. This is our methodology for how we ranked and evaluated each provider.
USAA and GEICO are the best providers for retired military members and veterans. Many of their incentives, benefits, and support systems are available to the active military as well as retired military members. Both GEICO and USAA have support teams that are designed to work directly with military members, veterans, and military families.
Most insurance providers will require you to list the address where you store your vehicle, which may be different from your permanent or mailing address. To get the most accurate information, reach out to an agent to confirm the local laws and policies.
Both USAA and GEICO are affordable and offer attractive incentives, perks, and discounts for military members and their families. Depending on where you live, your kids under the age of 25 can get a 25 percent discount from GEICO, and USAA has several military family discounts.
USAA offers the best car insurance for military drivers under the age of 21. Its rates are around $1,600 annually for teens, which is two to four times cheaper than the average for drivers ages 16 to 21. With a number of benefits and incentives, you can expect to get some of the most competitive rates with USAA.
Facts + Statistics: Insurance company rankings. Insurance Information Institute. (2022).
https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings
Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds. J.D. Power. (2021, Apr 29).
https://www.jdpower.com/business/press-releases/2021-us-insurance-shopping-study