Best and Cheapest Car Insurance for Military Families and Veterans

The best and cheapest car insurance for military members is from USAA. However, GEICO has the biggest military discounts, up to 15% of the total premium for eligible military members. State Farm is the best cheap runner-up, offering the second cheapest option before discounts.

USAA is often considered the gold standard for auto insurance — and for those in the military, it’s frequently the best and cheapest option. Whether for full coverage or state-minimum policies, USAA consistently offers the best and cheapest car insurance for the military community. USAA’s average rates are:

• $283 per year for a state-minimum coverage policy
• $679 per year for a full coverage policy with 100/300/100 liability limits and a $1,000 deductible
• $716 per year for a full coverage policy with 300/500/300 liability limits and a $1,000 deductible

Explore the cheapest car insurance for military drivers by filtering the table based on your age range and coverage needs.

At GEICO, eligible military drivers can get a discount of up to 15% on their total premium. Including this 15% discount, military drivers pay an average of:

• $424 per year for a state-minimum liability coverage policy
• $936 per year for a full coverage policy with 100/300/100 liability limits and a $1,000 deductible
• $1,028 per year for a full coverage policy with 300/500/300 liability limits and a $1,000 deductible

After the discount, GEICO offers the second-cheapest car insurance for military drivers after USAA. Military drivers who choose GEICO can also stack multiple discounts to reduce premiums.

GEICO’s military discount is only available to active duty military, veterans and members of the National Guard or Reserves. The company also offers an emergency deployment discount and membership discounts for military drivers who are part of professional associations and organizations, such as the Association of the United States Army (AUSA) and more.

GEICO is transparent about its military discount and availability, making them a top pick. Other providers may offer military discounts, but availability and percentages vary by state, so inquire with each provider for accurate rates.

Most car insurance companies offer military discounts for policyholders who are on active duty, veterans or in the reserves. However, some insurers may only offer such discounts in select states.

Car insurance policies for military members are generally the same as they are for everyone else. But certain car insurance companies offer distinct coverages or discounts to account for the fact that active-duty service members may use their personal vehicle less than most drivers.

For example, GEICO offers emergency deployment discounts for those service members deployed into imminent danger pay areas, as defined by the Department of Defense. So drivers who are deployed won’t have to pay as much when they aren’t using their car.

USAA goes even further. If you are deployed and store your vehicle away so that it can’t be driven, you can get a discount of up to 60%. This is particularly relevant for service members who don’t have family members who need to use their vehicle. If you decide to garage your vehicle on your military base, you can still save up to 15% on the comprehensive insurance portion of your policy.

If you’re planning on storing your car away while deployed, you should take advantage of all available discounts offered by your insurer. But you should also hold as little coverage as you need to keep your car safe while lowering your monthly bill. For instance, you can opt for liability-only car insurance, by removing comprehensive and collision coverage. You can even get rid of liability insurance if you’re willing to register your car again after returning from deployment.

Determining the right car insurance coverage and needs before you’re deployed will ensure you get the cheapest coverage with the best rates.

Active military and veterans can save money when getting car insurance in several ways. Here are the steps to take to get the cheapest car insurance with one of the best auto insurance companies.

To get the cheapest car insurance rates, you should compare at least three quotes from different auto insurance companies. Get the same coverage limits and deductibles so you can compare apples to apples with what you have now.

Ask about any discounts for which you may be eligible to get the cheapest rates with the best car insurance company. As a military member or veteran, you may qualify for special discounts.

Another significant discount you may be eligible for is the multi-policy discount. If you insure your home and auto with the same discount, you can save up to 25%. Some insurance companies refer to this as a "bundling" discount.

Along with homeowners insurance, other policies you can consider for discounts include:

• Life Insurance
• Motorcycle Insurance
• RV Insurance
• Boat Insurance

Life events should trigger a coverage review for your auto insurance. You may have gotten married, had a baby or moved to another state. Maybe you paid off your car or bought a new one and need affordable full coverage protection. These changes can impact your car insurance needs, so it’s best to review your coverages and discounts to know you’re getting the cheapest rates.

As you’re collecting quotes to find the best car insurance for your needs, use a checklist that lists all your insurance requirements and be sure to use the same criteria for each company’s quotes you check. Using a checklist can also help ensure that you get all the discounts for which you’re eligible.