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Cheapest Car Insurance for Military and Veterans 2023


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Updated: Oct 31, 2023
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USAA stands out as the cheapest car insurance provider for military families and veterans, offering cost-effective coverage tailored to the military community. State Farm and GEICO follow closely, with GEICO granting military drivers up to a 15% discount.

Rates differ by state, but USAA often provides the best deals. Some companies, like Esurance, offer unique savings options for active-duty members. To maximize savings, compare quotes, explore discounts and adjust coverage as life changes.

MoneyGeek Logo IconCheapest CarInsurance: MilitaryVeterans
2023

Cheapest Car Insurance for Military and Veterans

KEY TAKEAWAYS
  • USAA and State Farm offer the cheapest full coverage car insurance on average, with USAA offering the most affordable policies in most states.

  • Deployed members can elect to suspend their coverage or maintain comprehensive-only insurance to save on insurance.

  • You can stack military discounts on top of common car insurance discounts to further drive down costs.

Cheapest Car Insurance for Military Members and Veterans

The cheapest insurance providers for military members, veterans and their families are:

  • USAA: $679 per year, $57 per month
  • State Farm: $883 per year, $74 per month

Use the table below to compare rates from providers based on age and desired coverage level.

Company
Annual Premium
Monthly Premium

USAA

$283

$24

USAA

$289

$24

USAA

$340

$28

State Farm

$391

$33

State Farm

$409

$34

GEICO

$424

$35

GEICO

$436

$36

Nationwide

$456

$38

Nationwide

$462

$38

State Farm

$494

$41

GEICO

$500

$42

Travelers

$504

$42

Progressive

$512

$43

Progressive

$514

$43

Travelers

$523

$44

Travelers

$548

$46

Farmers

$572

$48

Progressive

$579

$48

Nationwide

$592

$49

Farmers

$594

$50

Allstate

$604

$50

Allstate

$640

$53

Allstate

$641

$53

USAA

$658

$55

USAA

$679

$57

Farmers

$692

$58

USAA

$704

$59

USAA

$716

$60

State Farm

$819

$68

USAA

$836

$70

Nationwide

$856

$71

State Farm

$883

$74

USAA

$893

$74

State Farm

$905

$75

GEICO

$923

$77

Nationwide

$926

$77

Nationwide

$930

$78

GEICO

$936

$78

State Farm

$981

$82

Nationwide

$1,013

$84

GEICO

$1,013

$84

Travelers

$1,015

$85

GEICO

$1,028

$86

Travelers

$1,037

$86

Progressive

$1,088

$91

State Farm

$1,099

$92

Travelers

$1,118

$93

Progressive

$1,120

$93

GEICO

$1,123

$94

Allstate

$1,124

$94

Travelers

$1,137

$95

Allstate

$1,143

$95

Nationwide

$1,146

$96

Farmers

$1,160

$97

Progressive

$1,179

$98

Travelers

$1,183

$99

Farmers

$1,192

$99

Progressive

$1,204

$100

State Farm

$1,209

$101

Allstate

$1,209

$101

GEICO

$1,228

$102

Allstate

$1,231

$103

Allstate

$1,247

$104

Nationwide

$1,248

$104

Travelers

$1,295

$108

Farmers

$1,298

$108

Farmers

$1,326

$110

Allstate

$1,332

$111

Progressive

$1,353

$113

Farmers

$1,437

$120

Progressive

$1,466

$122

Farmers

$1,600

$133

Like many other auto insurance providers, USAA lets members stack various discounts, such as student and vehicle safety feature discounts, on top of unique military benefits. However, since each provider sets its own prices, drivers should actively compare options to find the cheapest insurance.

If you plan to include young drivers, seniors or new drivers on your policy, look for a provider that offers competitive rates for these groups.

Who is eligible for USAA car insurance?

veteran icon
DO YOU STILL NEED COVERAGE WHEN DEPLOYED?

Yes, even when deployed, military members should maintain state minimum car insurance requirements. Going without coverage, even briefly, can lead to higher premiums later due to a lapse in coverage. Additionally, if your car is financed or leased, your lender or lessor will likely require comprehensive and collision coverage (also known as full coverage).

Many insurance providers, like USAA, offer discounts for deployed members who place their cars in long-term storage, ensuring you remain covered without a hefty price tag. Esurance may not even charge you for a lapse in coverage, allowing you to reinstate your policy at no additional charge.

Cheapest Car Insurance for Military Members and Veterans by State

Car insurance rates vary by state — drivers in Idaho pay the least for a full coverage policy, while those in Florida pay the most for insurance.

Overall, USAA provides the cheapest rates nationwide. State Farm is the cheapest option in seven states, and American National is the most affordable in four states.

State
Company
Annual Premium
Monthly Premium

Alabama

Allstate

$825

$69

Alabama

Cincinnati Insurance

$256

$21

Alabama

USAA

$660

$55

Alabama

Cincinnati Insurance

$201

$17

Alabama

Cincinnati Insurance

$581

$48

Alabama

Cincinnati Insurance

$175

$15

Alaska

USAA

$630

$52

Alaska

USAA

$267

$22

Alaska

USAA

$523

$44

Alaska

USAA

$228

$19

Alaska

USAA

$494

$41

Alaska

USAA

$224

$19

Arizona

Root Insurance Company

$684

$57

Arizona

USAA

$264

$22

Arizona

Root Insurance Company

$682

$57

Arizona

USAA

$276

$23

Arizona

USAA

$655

$55

Arizona

USAA

$226

$19

Arkansas

USAA

$657

$55

Arkansas

USAA

$224

$19

Arkansas

USAA

$553

$46

Arkansas

USAA

$198

$16

Arkansas

USAA

$523

$44

Arkansas

Hanover

$191

$16

California

USAA

$1,102

$92

California

CSAA

$428

$36

California

AAA California

$1,001

$83

California

GEICO

$419

$35

California

USAA

$901

$75

California

USAA

$398

$33

Colorado

American National P&C

$668

$56

Colorado

American National P&C

$259

$22

Colorado

American National P&C

$541

$45

Colorado

American National P&C

$216

$18

Colorado

American National P&C

$532

$44

Colorado

American National P&C

$248

$21

Connecticut

GEICO

$880

$73

Connecticut

GEICO

$405

$34

Connecticut

GEICO

$693

$58

Connecticut

GEICO

$319

$27

Connecticut

GEICO

$683

$57

Connecticut

GEICO

$326

$27

Delaware

Travelers

$980

$82

Delaware

Travelers

$459

$38

Delaware

USAA

$802

$67

Delaware

USAA

$400

$33

Delaware

USAA

$771

$64

Delaware

USAA

$388

$32

District of Columbia

GEICO

$878

$73

District of Columbia

USAA

$468

$39

District of Columbia

GEICO

$662

$55

District of Columbia

GEICO

$372

$31

District of Columbia

Chubb

$372

$31

District of Columbia

GEICO

$715

$60

District of Columbia

Chubb

$345

$29

Florida

State Farm

$1,259

$105

Florida

State Farm

$581

$48

Florida

State Farm

$1,058

$88

Florida

GEICO

$485

$40

Florida

State Farm

$970

$81

Florida

GEICO

$446

$37

Georgia

USAA

$909

$76

Georgia

Auto-Owners Insurance Co

$441

$37

Georgia

Country Financial

$665

$55

Georgia

Auto-Owners Insurance Co

$311

$26

Georgia

Country Financial

$580

$48

Georgia

Country Financial

$285

$24

Hawaii

USAA

$542

$45

Hawaii

USAA

$200

$17

Hawaii

USAA

$557

$46

Hawaii

USAA

$210

$18

Hawaii

USAA

$542

$45

Hawaii

USAA

$200

$17

Idaho

American National P&C

$383

$32

Idaho

American National P&C

$152

$13

Idaho

American National P&C

$299

$25

Idaho

American National P&C

$127

$11

Idaho

American National P&C

$307

$26

Idaho

State Farm

$145

$12

Illinois

American Family

$753

$63

Illinois

Mercury

$329

$27

Illinois

Country Financial

$663

$55

Illinois

Mercury

$226

$19

Illinois

Country Financial

$610

$51

Illinois

Mercury

$235

$20

Indiana

USAA

$566

$47

Indiana

USAA

$233

$19

Indiana

USAA

$457

$38

Indiana

USAA

$197

$16

Indiana

USAA

$439

$37

Indiana

USAA

$198

$17

Iowa

State Farm

$639

$53

Iowa

State Farm

$175

$15

Iowa

State Farm

$509

$42

Iowa

State Farm

$144

$12

Iowa

State Farm

$448

$37

Iowa

State Farm

$136

$11

Kansas

USAA

$690

$57

Kansas

USAA

$230

$19

Kansas

USAA

$608

$51

Kansas

USAA

$210

$17

Kansas

USAA

$558

$47

Kansas

USAA

$203

$17

Kentucky

Nationwide

$1,007

$84

Kentucky

Cincinnati Insurance

$330

$28

Kentucky

Nationwide

$790

$66

Kentucky

Cincinnati Insurance

$257

$21

Kentucky

Cincinnati Insurance

$670

$56

Kentucky

Cincinnati Insurance

$228

$19

Louisiana

USAA

$1,221

$102

Louisiana

USAA

$534

$44

Louisiana

USAA

$988

$82

Louisiana

USAA

$446

$37

Louisiana

USAA

$1,085

$90

Louisiana

USAA

$515

$43

Maine

USAA

$555

$46

Maine

USAA

$238

$20

Maine

USAA

$460

$38

Maine

USAA

$205

$17

Maine

USAA

$464

$39

Maine

USAA

$205

$17

Maryland

USAA

$762

$63

Maryland

USAA

$383

$32

Maryland

USAA

$648

$54

Maryland

USAA

$331

$28

Maryland

USAA

$658

$55

Maryland

USAA

$348

$29

Massachusetts

State Farm

$483

$40

Massachusetts

State Farm

$221

$18

Massachusetts

State Farm

$483

$40

Massachusetts

State Farm

$221

$18

Massachusetts

State Farm

$369

$31

Massachusetts

State Farm

$167

$14

Michigan

USAA

$801

$67

Michigan

Travelers

$111

$9

Michigan

USAA

$692

$58

Michigan

Travelers

$101

$8

Michigan

USAA

$644

$54

Michigan

Travelers

$94

$8

Minnesota

American Family

$842

$70

Minnesota

Auto-Owners Insurance Co

$370

$31

Minnesota

State Farm

$797

$66

Minnesota

Westfield

$317

$26

Minnesota

Iowa Farm Bureau

$694

$58

Minnesota

State Farm

$305

$25

Mississippi

USAA

$734

$61

Mississippi

USAA

$289

$24

Mississippi

USAA

$572

$48

Mississippi

USAA

$236

$20

Mississippi

USAA

$538

$45

Mississippi

Progressive

$227

$19

Missouri

USAA

$606

$50

Missouri

USAA

$216

$18

Missouri

USAA

$522

$43

Missouri

USAA

$197

$16

Missouri

USAA

$490

$41

Missouri

USAA

$191

$16

Montana

Progressive

$525

$44

Montana

USAA

$150

$12

Montana

Progressive

$437

$36

Montana

USAA

$136

$11

Montana

Progressive

$399

$33

Montana

USAA

$142

$12

Nebraska

American National P&C

$493

$41

Nebraska

American National P&C

$163

$14

Nebraska

American National P&C

$405

$34

Nebraska

American National P&C

$138

$12

Nebraska

American National P&C

$381

$32

Nebraska

American National P&C

$157

$13

Nevada

USAA

$1,147

$96

Nevada

CSAA

$565

$47

Nevada

USAA

$922

$77

Nevada

CSAA

$444

$37

Nevada

CSAA

$840

$70

Nevada

CSAA

$402

$33

New Hampshire

USAA

$598

$50

New Hampshire

USAA

$260

$22

New Hampshire

USAA

$465

$39

New Hampshire

USAA

$208

$17

New Hampshire

USAA

$456

$38

New Hampshire

USAA

$212

$18

New Jersey

Plymouth Rock Assurance

$965

$80

New Jersey

Amica Mutual

$460

$38

New Jersey

Plymouth Rock Assurance

$895

$75

New Jersey

GEICO

$428

$36

New Jersey

NJM

$798

$66

New Jersey

GEICO

$420

$35

New Mexico

USAA

$648

$54

New Mexico

USAA

$243

$20

New Mexico

USAA

$511

$43

New Mexico

USAA

$192

$16

New Mexico

USAA

$539

$45

New Mexico

USAA

$220

$18

New York

Kemper

$990

$82

New York

Kemper

$540

$45

New York

Kemper

$781

$65

New York

Kemper

$464

$39

New York

Kemper

$766

$64

New York

Kemper

$468

$39

North Carolina

Erie

$644

$54

North Carolina

Nationwide

$293

$24

North Carolina

Erie

$630

$52

North Carolina

Nationwide

$242

$20

North Carolina

Nationwide

$514

$43

North Carolina

Nationwide

$230

$19

North Dakota

USAA

$609

$51

North Dakota

USAA

$190

$16

North Dakota

USAA

$426

$35

North Dakota

USAA

$144

$12

North Dakota

USAA

$396

$33

North Dakota

USAA

$135

$11

Ohio

American Family

$516

$43

Ohio

Erie

$220

$18

Ohio

USAA

$476

$40

Ohio

Erie

$176

$15

Ohio

USAA

$446

$37

Ohio

Erie

$170

$14

Oklahoma

USAA

$671

$56

Oklahoma

USAA

$225

$19

Oklahoma

USAA

$563

$47

Oklahoma

USAA

$189

$16

Oklahoma

USAA

$546

$45

Oklahoma

USAA

$197

$16

Oregon

State Farm

$813

$68

Oregon

State Farm

$411

$34

Oregon

State Farm

$706

$59

Oregon

State Farm

$381

$32

Oregon

State Farm

$656

$55

Oregon

State Farm

$360

$30

Pennsylvania

Travelers

$672

$56

Pennsylvania

Travelers

$286

$24

Pennsylvania

Nationwide

$580

$48

Pennsylvania

Erie

$238

$20

Pennsylvania

Nationwide

$508

$42

Pennsylvania

Erie

$242

$20

Rhode Island

State Farm

$862

$72

Rhode Island

Travelers

$376

$31

Rhode Island

State Farm

$700

$58

Rhode Island

USAA

$338

$28

Rhode Island

State Farm

$712

$59

Rhode Island

State Farm

$356

$30

South Carolina

American National P&C

$548

$46

South Carolina

American National P&C

$285

$24

South Carolina

American National P&C

$463

$39

South Carolina

American National P&C

$251

$21

South Carolina

American National P&C

$482

$40

South Carolina

American National P&C

$283

$24

South Dakota

Allstate

$803

$67

South Dakota

USAA

$190

$16

South Dakota

Allstate

$746

$62

South Dakota

USAA

$158

$13

South Dakota

Nationwide

$702

$58

South Dakota

USAA

$173

$14

Tennessee

USAA

$717

$60

Tennessee

State Farm

$256

$21

Tennessee

USAA

$562

$47

Tennessee

Auto-Owners Insurance Co

$207

$17

Tennessee

State Farm

$516

$43

Tennessee

State Farm

$197

$16

Texas

State Farm

$900

$75

Texas

State Farm

$392

$33

Texas

State Farm

$699

$58

Texas

State Farm

$321

$27

Texas

Texas Farm Bureau

$629

$52

Texas

Texas Farm Bureau

$295

$25

Utah

USAA

$785

$65

Utah

USAA

$396

$33

Utah

USAA

$657

$55

Utah

USAA

$341

$28

Utah

USAA

$621

$52

Utah

USAA

$331

$28

Vermont

USAA

$593

$49

Vermont

USAA

$207

$17

Vermont

USAA

$472

$39

Vermont

USAA

$169

$14

Vermont

State Farm

$449

$37

Vermont

USAA

$169

$14

Virginia

Virginia Farm Bureau

$753

$63

Virginia

Virginia Farm Bureau

$300

$25

Virginia

American Family

$601

$50

Virginia

American Family

$243

$20

Virginia

USAA

$610

$51

Virginia

Mercury

$251

$21

Washington

PEMCO

$670

$56

Washington

USAA

$292

$24

Washington

PEMCO

$534

$44

Washington

USAA

$250

$21

Washington

PEMCO

$569

$47

Washington

USAA

$266

$22

West Virginia

USAA

$754

$63

West Virginia

USAA

$272

$23

West Virginia

USAA

$623

$52

West Virginia

USAA

$237

$20

West Virginia

USAA

$599

$50

West Virginia

USAA

$239

$20

Wisconsin

USAA

$626

$52

Wisconsin

USAA

$224

$19

Wisconsin

USAA

$481

$40

Wisconsin

USAA

$182

$15

Wisconsin

USAA

$472

$39

Wisconsin

USAA

$189

$16

Wyoming

USAA

$852

$71

Wyoming

GEICO

$201

$17

Wyoming

USAA

$638

$53

Wyoming

USAA

$156

$13

Wyoming

USAA

$588

$49

Wyoming

USAA

$150

$12

If you've been temporarily relocated to another state, consider shopping around for car insurance. Your current liability coverage might not meet your new state's minimum requirements, and some states naturally offer lower insurance rates.

However, if your relocation is permanent, you'll need to cancel your old policy, secure a new one and ensure your vehicle is registered in the new state.

garage icon
MONEYGEEK EXPERT TIP

If leaving your car with family, consider reducing your policy to state minimum liability-only coverage. Alternatively, discuss suspending your policy with your insurer to avoid potential premium hikes from coverage lapses. Notably, USAA offers active-duty members up to a 60% discount when placing their cars in long-term storage, providing an excellent way to save.

Companies Offering Military Discounts

Military members can access a range of car insurance discounts, including specialized coverage rates, percentage-based reductions on key coverages and allowances for deployment distances from their vehicle's location. Some companies allow active-duty members to cancel policies without penalties, while others offer benefits for vehicles garaged on military bases.

Company
Discounts

AFI

If you are eligible for a membership with the Armed Forces Insurance, you may be able to benefit from its specialized car insurance coverage and get competitive premiums.

ALFA

Active military personnel in Alabama, Mississippi or Georgia can benefit from Alfa’s discounts on car insurance for military members.

Active-duty military members deployed more than 100 miles from their car's garaging address may qualify for Arbella’s 10% discount on car insurance.

Direct Auto

Eligible military members can get a discount of up to 25% on key coverages, such as liability, comprehensive, collision and uninsured motorist coverage. Only available in Alabama, Florida and Louisiana.

Get a military discount at Direct General if you are an active service member and can provide acceptable documentation verifying your status.

Esurance does not offer a discount on car insurance for military members, but it does allow active-duty members to cancel their insurance without penalty while they are away. This can help active members save significantly on premiums.

Farm Bureau (Kentucky)

Military members who take a military driving course approved by the U.S. Armed Forces may qualify for a discount, so long as a certificate showing completion is submitted.

Farmers offers discounts to active duty, active reserves, retired and honorably discharged military veterans.

Current or former members of the U.S. Armed Forces can get a discount on their car insurance with Freeway.

Military drivers can get a discount of up to 15% on their total premium at GEICO. Those on emergency deployment and individuals who are part of military associations can get discounts as well.

Eligible active-duty military and National Guard members may be able to save with Kemper’s military auto insurance discount.

Active, retired or reserved members of the U.S. Armed Forces can qualify for a military discount at Liberty Mutual.

Military personnel based in Louisiana, along with their spouses and children, are eligible for car insurance premium discounts.

If you’re based in Louisiana, you may qualify for a military discount of up to 25%.

If you garage your vehicle on base, you may qualify for a discount.

Wawanesa

At Wawanesa, military members can qualify for discounts whether they are active, retired or reserve.

How Military Members and Veterans Can Save on Insurance

Shop around with various providers to find special discounts. When setting up a family policy, focus on insurers with favorable rates for all driver types. If you're anticipating deployment, look for insurers offering tailored coverage and discounts for situations like storing your vehicle, suspending your policy or canceling it.

  • find icon

    Shop around

    Rates can vary widely depending on factors like the age, location and driving histories of everyone on the policy. This is especially true for family policies, so it's a good idea to pinpoint companies that cater to your specific needs at favorable rates.

    Compare car insurance quotes from at least three different providers.

  • discount icon

    Take advantage of special discounts

    Military members, veterans and their families often qualify for unique discounts. Many insurance providers allow you to combine these dedicated military savings with other common car insurance discounts, such as those for paying in full, being a student or maintaining a stellar driving record.

  • car2 icon

    Adjust your coverage based on your changing situation

    If you're deployed and your car stays behind, consider switching to liability-only coverage. If your vehicle is tucked away in storage, think about opting for storage insurance, which usually means comprehensive-only coverage.

  • calendar icon

    Maintain continuous coverage

    If you're anticipating deployment, it might be more beneficial to suspend your policy rather than canceling it. Having a lapse in coverage can result in higher future premiums. Keeping your coverage active, even in suspension, can offer financial benefits when it's time to reactivate.

For the most cost-effective car insurance, select a provider with the lowest base rate — that's the rate before any discounts come into play. However, if deployment is on the horizon, prioritize providers offering favorable storage coverage rates. Additionally, consider the ease of reinstating your policy if you're thinking about suspending or canceling it.

Frequently Asked Questions

If you're in the military or a veteran, finding affordable car insurance that meets your needs is crucial. This FAQ section will help you navigate options to find the cheapest and most comprehensive coverage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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