Best Auto Insurance for Military & Veterans

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.

Unique Membership Perks

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:

• 24/7 membership support for insurance, deployment questions, and transition to life abroad or back in the U.S.
• Multiple vehicle bundling
• Banking advice to help with your auto insurance, loans, and other everyday needs
• Expert advice for managing debt, investing, saving, and planning for events like retirement or buying a new home
• ADT home security discount
• Discounts for shopping, hotels, cruises, vacation tours, and travel insurance

Robust Car Insurance Discounts

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:

• Good student discounts
• Up to 15 percent off for keeping your car on a military base
• Up to 60 percent off for keeping your car in storage when you’re deployed overseas
• Safe driver discounts for going five or more years without an accident
• Up to 10 percent off for bundling your home and car insurance
• A 3 percent discount for making automatic payments

International Insurance and Guidance

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:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• The Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• U.S. Virgin Islands
• United Kingdom

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.

Military Discounts

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.

Quick Claims

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.

Mobile App Friendly

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.

Accessibility

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.

Long List of Discounts

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:

• 15 percent off for active-duty or retired members of the military, National Guard, or Reserves
• Up to 25 percent off for military members who are part of an emergency deployment
• Up to 12 percent off for all active or retired federal employees (eagle discount)
• Up to 15 percent for students with a 3.0 GPA
• Up to 23 percent if you have a built-in anti-theft system in your car to prevent car burglary
• 22 percent off with the five-year accident-free good driver discount
• 23 percent off airbag discount
• 15 percent off new vehicle discount

Military Resources and Perks

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.

Coverage Options

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:

• Accident forgiveness
• Diminishing deductible
• Gap insurance
• Rental reimbursement
• Original equipment manufacturer (OEM) parts
• Emergency roadside coverage
• Accidental death and dismemberment coverage
• Credit theft protection
• Sump pump and water backup
• Commercial auto insurance
• Matching siding protection

Young Driver and Student Discounts

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:

• 10 percent off with the TeenSafeDriver program
• An away-at-school discount for students under the age of 25. You must be more than 100 miles away from home and your park must be parked at home
• A young volunteer discount for drivers under the age of 25 who register 40 volunteer hours annually with a nonprofit
• Up to a 20 percent off if you enroll in American Family’s KnowYourDrive program, which allows American Family to track and assess how safe you drive
• A generational discount if your parents are American Family customers
• A loyalty discount (the longer you stay a customer of American Family, the higher your discount will be)

Best Customer Service and Satisfaction

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.

Bundling Options

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:

• Flood insurance
• Renters insurance
• Condo insurance
• Life insurance
• Business/commercial insurance
• Boat insurance
• ATV and off-road insurance
• Mobile home insurance
• Pet insurance
• Umbrella insurance

Unique Discounts

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:

• Up to 30 percent off with the Signal tracking app
• Multi-car/multi-line bundling discounts
• E-policy discount for paperless insurance
• Good payer discount for drivers who avoid late fees for at least one year
• Safe driver discount
• Alternative fuel discounts
• Homing device discount
• VIN etching discount
• Military professional group discount

Customizable Packages

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.