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The Best Auto Insurance for Veterans

These companies offer the best discounts for veterans.

Best Overall
USAA Logo 2023

Not only does USAA tailor its services to military members and veterans, but it also offers the best insurance rates, the highest customer satisfaction rates, and other benefits veterans will appreciate.

Best for Customer Service
Farmers Logo

Farmers has an 848 out of 1,000 rating from J.D. Power, indicating a higher-than-average rate of customer satisfaction.

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The latest data from the U.S. Census Bureau indicates the U.S. has about 17.4 million military veterans, making up nearly 7 percent of the population. When returning to civilian life, these veterans have many of the same car insurance needs as everyone else. However, some companies offer perks aimed specifically at those who served. Get rewarded for your service with low car insurance rates from the following providers.

Comparison of the Best Auto Insurance for Veterans

Features Best for Veteran discount Who qualifies for veteran discount Average annual premium for veterans Review
#1. USAA Overall N/A (only serves veterans/military members) USAA members separated or retired from the U.S. Armed Forces with an honorable or general under honorable conditions discharge $1,035 USAA review
#2. Farmers Customer service 2-5% Retired or honorably discharged military veterans $1,584 Coming Soon
#3. Liberty Mutual Coverage options Varies Retired members of the U.S. Armed Forces $2,735 Liberty Mutual review
#4. GEICO Claims 15% Retired members of the military; more discounts for affiliations with specific military organizations $1,104 GEICO review

The Best Auto Insurance for Veterans

  1. 1.

    Best Auto Insurance for Veterans Overall: USAA

  2. 2.

    Best Veterans Auto Insurance for Customer Service: Farmers

  3. 3.

    Best Veterans Auto Insurance for Coverage Options: Liberty Mutual

  4. 4.

    Best Veterans Auto Insurance for Claims: GEICO

Detailed List of the Best Auto Insurance for Veterans

1. Best Auto Insurance for Veterans Overall - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

In 1922, 25 Army officers came together to insure one another’s vehicles, thus creating USAA. In the century since then, the organization has grown into one of the top auto insurance providers and the only one that serves military members, veterans, and their families specifically.

USAA has a lot to offer its customers, including the lowest rates on the market, the highest customer satisfaction rating, and a wide range of financial services to choose from. In addition to auto insurance, USAA offers home, health, life, and small business insurance.


You can be a USAA member if you received an honorable or general discharge. However, you can’t join if you had a dishonorable discharge.

ProsWho It's Best For
  • pro
    Drivers who want the lowest insurance rates
  • pro
    Drivers who want excellent customer service
  • pro
    People who want all of their financial services in one place
  • pro
    Veterans with an honorable or general discharge
ConsWho It's Not Best For
  • con
    Veterans who received a dishonorable discharge

Insurance Savings

USAA has the lowest annual average insurance rate by several hundred dollars. Not only that, but the company offers a variety of auto insurance discounts for having a clean driving record, maintaining good grades, garaging your car on a military installation, and more. According to USAA’s website, the average member saves $725 on their annual premium when switching to USAA for auto insurance.1

While USAA offers savings for military members, veterans, and their families, it doesn’t actually offer a veteran discount. However, the company’s lower rates beat out any discount that its competitors offer, meaning you’re still likely to save money.

Outstanding Customer Service

USAA ranks among the best companies for customer service according to J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study.2

Region Rating (out of 1,000) Placement
Central 879 First
Mid-Atlantic 881 First
New England 884 First
North Central 891 First
Northwest 883 First
Southeast 886 First
Southwest 856 First

If you’re a USAA customer, there are plenty of ways to contact the company if you need help. Customer service options include phone, fax, online roadside assistance, and online messaging.

Many Financial Services

USAA is a great option for those who want all of their financial services in one place. When you become a USAA member, you have access to a wide variety of services, including insurance, bank accounts, credit cards, investment accounts, and retirement accounts. Additionally, you’ll have access to personalized financial advice, financial readiness tools, and other resources that can help veterans and their families manage their money.

To take advantage of these financial services, including USAA’s car insurance coverage, you’ll need to become a member. The good news is that becoming a member is easy and free. As long as you’re a military member, veteran, pre-commissioned officer, or a family member, you can sign up for membership online.

2. Best Veterans Auto Insurance for Customer Service - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

When you’ve served your country, the last thing you want to do is argue with a customer service representative or agent over a claim. Fortunately, with Farmers, you can expect a high rate of customer satisfaction. The provider has an 848 out of 1,000 rating from J.D. Power, meaning that customers are largely satisfied with its service.

ProsWho It's Best For
  • pro
    Someone with a shared family car and/or teenage driver
  • pro
    Someone who wants to bundle their auto insurance with home or life insurance
  • pro
    Anyone who prioritizes quality customer service
  • pro
    Someone who was honorably discharged or retired from the military
ConsWho It's Not Best For
  • con
    People who live in Alaska; Delaware; Hawaii; Maine; New Hampshire; Rhode Island; Vermont; Washington, D.C.; and West Virginia
  • con
    Someone who was not honorably discharged from the military

Good Reputation for a Reason

Liberty Mutual has been in business for nearly 100 years, and with 19 million customers, it must be doing something right. The provider has an excellent reputation in terms of customer satisfaction and financial stability.

Not only do customers rate it highly with J.D. Power, but AM Best gave it a grade of A in terms of financial stability. That means that you can trust that Farmers has the money to pay your claims in a timely manner. And with an A- from the Better Business Bureau, the company is truthful in its advertising and promises to customers.

User-Friendly Mobile App

You’re driving and get pulled over. The police officer asks you for proof of insurance, but where is it?

With Farmers, you can show your insurance ID card through its mobile app, Farmers Mobile, which is available for both iOS and Android devices. Currently, the app has a 4.7 Android rating and a 4.8 iOS rating. Aside from showing your proof of insurance, use your mobile app to do the following:

  • View your policy documents, including your policy declarations page
  • Change your payment methods
  • Contact your agent
  • Get quotes for coverage
  • Pay your premium
  • Request roadside assistance
  • Submit a claim
  • Track the status of a claim


New Mexico is the only state that does not accept mobile insurance IDs, so you’ll need to have physical proof of insurance.

Bundling Options

Chances are, car insurance isn’t your only insurance. Rather, you might need other types of insurance to protect your home, family, or even your business. Farmers offers the following types of insurance policies in addition to auto:

  • Business
  • Boat
  • Condo
  • Homeowners
  • Landlord
  • Life
  • Motorcycle
  • Off-road vehicle
  • Pet
  • Renters
  • Umbrella

Save money by bundling multiple policies with Farmers, in addition to your veteran discount.

3. Best Veterans Auto Insurance for Coverage Options - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

Liberty Mutual is the auto insurance company on our list that has been in business the longest, dating back to 1912. Today, the company operates in 30 countries and provides auto insurance, property insurance, business insurance, life insurance, and more.

ProsWho It's Best For
  • pro
    Drivers who want many coverage options
  • pro
    Customers who want many ways to save
  • pro
    Veterans who want a discount for their service
ConsWho It's Not Best For
  • con
    People who want the best customer satisfaction ratings
  • con
    Customers who want a provider with the best financial strength

Savings and Resources for Veterans

If you’re a military veteran, you can save up to 10 percent on your premium with Liberty Mutual. The company’s military discount applies to active, retired, and reserved members of the U.S. Armed Forces.

However, Liberty Mutual’s military discount isn’t the only way the company serves current and former military members. On top of that, the company has special employee programs and benefits for current and former military members.

Many Coverage Options

Liberty Mutual has the best lineup of coverage options of any company on our list. First, the company has all of the coverage options you’d expect of any insurance carrier, including liability, collision, comprehensive, medical payments, and uninsured motorist coverage.

Additionally, Liberty Mutual offers coverage options that not all providers offer, such as the following:

  • Deductible fund: You can opt in to pay an extra premium on your collision insurance to reduce your deductible by $100 per year.
  • Lifetime repair guarantee: With this coverage, Liberty Mutual makes repair arrangements on your behalf rather than you having to make them yourself.
  • New-car replacement: If your car is totaled in the first year, Liberty Mutual will pay you the full amount rather than the depreciated amount.
  • Better-car replacement: If your car is totaled, Liberty Mutual will pay you enough to buy a model that’s one year newer.
  • Teacher car insurance: This coverage provides extra coverage for vandalism, collisions, stolen supplies, and more.

Excellent Discounts

Liberty Mutual has one of the largest lists of discounts of any company on our list. First, the company offers many of the discounts you would find with other carriers, such as bundling discounts, safe driving discounts, and automatic payment discounts.

But the company offers plenty of other discounts. You can save by being a homeowner, regardless of whether you have bundled your homeowners and auto insurance policies. You can save by shopping for insurance before your current policy expires, having a GPA of B or better, having a child away at school, signing up for paperless billing, and more.

Similar to other companies, Liberty Mutual offers a program drivers can opt in to to save called RightTrack. RightTrack allows Liberty Mutual to track your driving habits and reward you for being a safe driver. You’ll get a discount just for opting in to the program, as well as another one if you show you’re a safe driver.

4. Best Veterans Auto Insurance for Claims - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

Sometimes, it’s true that bigger is better. GEICO is the second-largest car insurance provider in the U.S., insuring 28 million vehicles. It has the largest claims reserve of any auto insurer, with over $8 billion to pay claims across all of its insurance offerings.3 That means that if you have a claim, GEICO will be able to cover it, which is the purpose of an insurance provider in the first place.

ProsWho It's Best For
  • pro
    Anyone across the U.S.
  • pro
    Someone with a clean driving history.
  • pro
    A person that wants a customer service department they can reach easily.
  • pro
    Someone that wants a 15 percent discount because of their military service
ConsWho It's Not Best For
  • con
    A low-mileage driver looking for usage-based insurance.
  • con
    Someone who wants a discount for insuring a hybrid or electric vehicle.

Designed With Veterans in Mind

GEICO’s car insurance has discounts for veterans, as well as for those affiliated with certain military organizations. You can purchase your car insurance from veterans themselves and receive a customized insurance ID card that showcases your veteran status. Enjoy a discount of up to 15 percent, or more if you’re a federal employee as well as a veteran.

Wide Coverages

Of course, GEICO offers the typical coverages: liability, medical payments/personal injury protection, uninsured motorist, collision, and comprehensive, to name a few. But it also offers a few services that not every provider offers:

  • Roadside assistance: Bundle your roadside assistance and your car insurance with GEICO. Help is available 24/7 if you need a tow, a jump-start, fuel delivery, or lockout service. And the best part? The cost starts at only $14 annually per car, making GEICO’s roadside assistance quite the steal.
  • Rental reimbursement: If your car is being repaired under a covered claim, GEICO’s rental reimbursement coverage could pay you up to $25 a day, up to $750 total, for a rental car. That way, you won’t have to ask your family members for rides. Plus, if you use Enterprise as your rental car company, GEICO can bill it directly so you never have to wait for reimbursement.
  • Personal umbrella: For the most protection, we recommend personal umbrella insurance. This coverage would kick in in case you face losses that exceed the limits of your other coverages. For example, if someone sues you after a car accident, umbrella insurance could pay for the costs of the lawsuit, except in New Hampshire and New York.
  • Classic car: Do you have a Ferrari, a car made before 1979, or a classic military vehicle? If so, consider GEICO as your classic car insurer. Check with your agent to make sure it is eligible, and then you can settle on an agreed value, which won’t depreciate if you have a claim.
  • Mexico coverage: Most likely, you’ve traveled in your military career. If that same wanderlust is still with you, you can use your GEICO insurance, through a separate tourist policy, if you drive to Mexico. Regular car insurance will cover you in the U.S. only, but whether you’re going to Mexico for a short time or an extended period, you can get insurance plus roadside assistance from GEICO. Choose from daily, six-month, or annual policies.

Array of Discounts

Aside from the veteran discount, you can stack discounts to save money. Here’s what GEICO has to offer:

Name of discount Maximum discount More information
Airbag 23% Discount on medical payments coverage/personal injury protection only
Antilock brakes 5% Must be factory installed
Anti-theft system 23% Discount on comprehensive coverage only
Daytime running lights 3% Applies to certain coverages only (not listed)
New vehicle 15% Must be three model years or newer
Good driver 22% No accidents in previous five years
Uses seat belt Varies Discount on medical payments/personal injury protection only
Defensive driving Varies Must complete an approved defensive driving course
Driver’s ed course Varies For young drivers only; applies to most coverages
Good student 15% Must be a full-time student with good grades
Federal employee 12% Active or retired federal employees only
Membership/employee Varies Member to over 500 groups
Multi vehicle 25% Must insure two or more cars with GEICO
Multi policy Varies Bundle auto with homeowners, renters, condo, or mobile home policy


When putting together our list of the best auto insurance for veterans, we wanted to pull together providers with the best variety of perks. First, we specifically looked for companies that offer discounts for military veterans. Each of the companies on our list offers such a discount, with the exception of USAA. But as we mentioned above, that company has considerable savings built into its premiums, in addition to everything it provides to the veteran community.

Additionally, when crafting our final list, we used a three-pronged approach:

  • Third-party data: First, we analyzed company information and data from third-party sites. For example, we turned to J.D. Power and the National Association of Insurance Commissioners to get feedback from current and former customers. Additionally, we gathered data from AM Best to learn about the financial stability of each company.
  • First-party data: Next, we used the information we gathered from the insurance companies directly. For example, we relied on company websites to learn about which discounts and coverage options are available.
  • Proprietary data: Finally, we relied on our own proprietary data and institutional knowledge from our decades in the industry. During our 20 years in business, we’ve collected data on pricing across many companies, as well as which companies cater to which demographics, as the same insurance company won’t be best for every type of customer.

We also have plenty of institutional knowledge from our decades in the industry, allowing us to speak to each provider’s strengths and weaknesses, as well as what consumers want in a car insurance company.

Frequently Asked Questions

Which car insurance companies give a veteran discount?

Farmers, Liberty Mutual, and GEICO each offer a discount for veterans. USAA doesn’t offer a veteran discount, but it is available only to current and former military members and offers considerably lower average rates than its competitors, so veterans can still save.

Is USAA the best insurance for veterans?

USAA is considered the best car insurance for veterans, and it’s easy to see why. It offers the best auto insurance rates for veterans. Additionally, there’s no other company that matches its J.D. Power customer satisfaction ranking of 909 out of 1,000.

What proof can I use to show I’m eligible for veterans auto insurance?

The documentation you’ll need to show to prove your veteran status depends on the insurance company. You can often use your military service records or your veteran identification card.


  1. Auto Insurance Discounts. USAA. (2022).

  2. Auto Insurance Claim Satisfaction Rises on Combination of Soaring Vehicle Values and Growth of Straight-Through-Processing Claims Management, J.D. Power Finds. J.D. Power. (2021, Oct 28).

  3. Financial Information. Geico. (2022).