Explore the best car insurance companies for disabled veterans, including Allstate, Nationwide, and State Farm.

Geico has the cheapest car insurance for disabled veterans, but Allstate and Nationwide offer bigger discounts and usage-based programs for lower rates. State Farm has a great bundling discount for veterans who are homeowners.

Company	Rank	Military Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A+	Low Mileage	Allstate
	#2	25%	A+	Usage-Based Coverage	Nationwide
	#3	25%	A++	Policy Options	State Farm
	#4	20%	A	Safe Drivers	Farmers
	#5	15%	A++	Cheap Rates	Geico
	#6	15%	A++	Military Families	USAA
	#7	15%	A+	Budgeting Tools	Progressive
	#8	12%	A	Discount Availability	American Family
	#9	10%	A++	Unique Coverage	Travelers
	#10	10%	A	24/7 Support	Liberty Mutual

Our guide compares these top providers to help disabled veterans find the best military car insurance at the lowest price.

Use our free quote comparison tool to find cheap car insurance near you. Enter your ZIP code above to begin.

What You Should Know

• The best car insurance quotes for disabled veterans start at $50 per month
• Nationwide and Allstate have the best military insurance discount at 25%
• State Farm has the biggest insurance bundling discount for veterans at 17%

#1 – Allstate: Top Overall Pick

Pros

• Pay-Per-Mile Program: Allstate is one of the best low-mileage car insurance companies that charges cheaper rates for veterans who drive less than 11,000 miles annually.
• Good Bundling Options: Disabled veterans can bundle policies and save up to 25%.
• Affordable Minimum Coverage Rates: Rates start at $60 per month, making it a budget-friendly choice for disabled veterans.

Cons

• Higher Deductibles for UBI Discounts: The Allstate Milewise and Drivewise programs require higher deductibles to unlock max savings for veteran insurance.
• Mixed Customer Reviews: Some veterans report claims processing can be slow compared to competitors. Learn more in our Allstate review.

#2 – Nationwide: Best for Usage-Based Coverage

Pros

• Strong UBI Discounts: Nationwide offers up to 40% savings for safe drivers using SmartRide, making it a great choice for veterans looking to lower rates.
• Affordable Coverage: Minimum coverage starts at $85 per month, keeping car insurance costs for disabled veterans affordable.
• Wide Network of Agents: Nationwide provides personalized service with local agents, making it easier for veterans to access support.

Cons

• Mixed Customer Service: Nationwide reviews show that disabled veterans report variable customer service experiences depending on where they live.
• Higher Full Coverage Rates: With full coverage starting at $165 per month, some disabled veterans may find cheaper alternatives elsewhere.

#3 – State Farm: Best for Policy Options

Pros

• Customizable Coverage: State Farm offers multiple policy options, including medical payments and roadside assistance tailored for veterans.
• Competitive Minimum Coverage Rates: With rates starting at $80 per month, State Farm offers solid affordability for disabled veterans.
• Strong Bundling Discounts: Veterans can bundle auto and home policies to save up to 17% on their insurance costs. Discover more in our review of State Farm.

Cons

• Financial Strength: State Farm's A.M. Best has not been as stable as other auto insurance companies for disabled veterans, like USAA and Allstate.
• Limited UBI Benefits: State Farm’s Drive Safe & Save program maxes out at a 6% discount for veterans, while other insurers offer higher UBI savings.

#4 – Farmers: Best for Safe Drivers

Pros

• Safe Driving Rewards: Farmers offers up to 12% off for veterans with a clean driving record. You can find more details in our Farmers review.
• Excellent Discounts: Farmers offers more discounts on disabled veteran car insurance than any other providers.
• Affordable Minimum Coverage: Rates start at $75 per month, keeping costs manageable for disabled veterans.

Cons

• Limited Military Discounts: Farmers caps military savings at 10-12% for veterans, which is lower than USAA and Geico.
• Higher Full Coverage Rates: Full coverage starts at $155 per month for disabled veterans, making it more expensive than some competitors.

#5 – Geico: Best for Cheap Rates

Pros

• Lowest Rates: Geico offers the cheapest car insurance for veterans starting at $50 per month.
• Generous Bundling Discounts: See our Geico renters insurance review to learn how disabled veterans can save up to 25% by bundling auto insurance.
• Strong Financial Stability: Geico holds an A++ rating from A.M. Best, ensuring financial reliability and strong claim payouts for veterans.

Cons

• Limited Military-Specific Perks: Unlike some competitors, Geico lacks specialized military storage options for deployed veterans.
• Lower UBI Discounts: Disabled veterans using usage-based insurance may find Geico’s 5% discount lower than competitors.

#6 – USAA: Best for Military Families

Pros

• Exclusive Military Benefits: USAA provides special military storage discounts, flexible deployment coverage, and tailored policies for disabled veterans.
• Low Monthly Rates: With minimum coverage starting at $55 per month, USAA remains one of the most budget-friendly choices for disabled veterans.
• Superior Customer Service: USAA consistently ranks high for customer satisfaction, offering 24/7 support for military families. Read more in our USAA review.

Cons

• Limited Availability: Only available to military members, veterans, and their families, excluding civilians from its coverage options.
• Fewer Local Agents: Unlike companies with physical branch locations, USAA relies heavily on online and phone-based service for disable veterans.

#7 – Progressive: Best Budgeting Tools

Pros

• Smart Budgeting Features: Progressive offers the Name Your Price® tool to customize coverage based on budget of disable veterans.
• Low-Cost Minimum Coverage: Rates start at $65 per month, making it an affordable option for disabled veterans.
• Strong Financial Stability: A+ rating from A.M. Best ensures reliable claims payouts for veterans. Our Progressive review goes into more detail.

Cons

• Limited Military Discounts: Progressive caps military savings at 10% for disabled veterans, which is lower than some competitors.
• Higher Full Coverage Rates: Full coverage starts at $145 per month, which may be expensive for some veterans.

#8 – American Family: Best for Discount Availability

Pros

• Multiple Discounts: American Family offers stackable savings for veterans, including a 25% bundling discount and a 12% military discount.
• Reasonable Minimum Coverage Rates: Disabled veterans can access minimum coverage for $70 per month, making it a mid-tier affordability option.
• Strong Safe Driver Rewards: Our American Family review reveals that veterans with a clean driving record can receive up to a 12% discount, lowering overall costs.

Cons

• Limited Availability: American Family policies are not available in all states, restricting coverage for some disabled veterans.
• Fewer Digital Tools: The mobile app lacks advanced features, making it less convenient for veterans in managing policies online.

#9 – Travelers: Best for Unique Coverage

Pros

• Specialized Coverage: Travelers offers unique policy add-ons for disabled veterans like accident forgiveness, gap insurance, and new car replacement coverage.
• Affordable Minimum Coverage: Disabled veterans can secure minimum coverage starting at $90 a month, making it a competitive choice.
• Strong Discount Program: Travelers offers up to 15% military discounts, helping disabled veterans save on their premiums. See our Travelers review for more details.

Cons

• Higher Average Rates: Compared to Geico and USAA, Travelers’ $90 per month minimum coverage is more expensive for veterans.
• Limited UBI Savings: Travelers’ usage-based discount isn't as competitive as other car insurance companies for disabled veterans.

#10 – Liberty Mutual: Best for 24/7 Support

Pros

• Round-the-Clock Customer Service: Liberty Mutual provides 24/7 support, making it ideal for veterans needing immediate assistance.
• Strong Bundling Discounts: Veterans can save up to 25% when bundling auto with home or renters insurance. Check out our Liberty Mutual review for more details.
• Good Accident Forgiveness Program: Liberty Mutual offers accident forgiveness for veterans, preventing premium hikes after a first at-fault accident.

Cons

• Expensive Minimum Coverage Rates: Disabled veterans pay $95 per month for minimum coverage, which is higher than Geico and USAA.
• Fewer Military Discounts: Liberty Mutual’s military discount is only 10-15% for disabled veterans, making it less competitive.

Affordable Car Insurance Rates for Disabled Veterans

Finding the best auto insurance rates for disabled veterans requires comparing providers based on affordability and coverage options. The table below compares minimum and full coverage rates for the top providers:

Insurance Company	Minimum Coverage	Full Coverage
	$60	$140
	$70	$150
	$75	$155
	$50	$130
	$95	$195
	$85	$165
	$65	$145
	$80	$160
	$90	$198
	$55	$135

Geico offers the cheapest minimum coverage at $50 per month and full coverage at $130 monthly, making it the most budget-friendly option. USAA follows closely with minimum coverage at $55 per month and full coverage at $135 per month, offering strong military benefits alongside affordability.

For veterans prioritizing low-cost coverage, Allstate is still the most competitive option. Minimum coverage starts at $60 per month and full coverage at $140 per month, but with bigger military discounts and pay-per-mile options for low-mileage drivers, Allstate could end up being the cheapest company for veterans who qualify.

On the higher end, Liberty Mutual and Travelers are the most expensive, with minimum coverage at $95 a month and $90 a month, respectively, and full coverage exceeding $190 a month. Comparing multiple providers ensures disabled veterans secure the best rates while taking advantage of available military and bundling discounts.

Read more: Liability vs. Full Coverage Car Insurance

The Best Car Insurance Coverage Options for Disabled Veterans

Disabled veterans have access to specialized coverage options that include benefits such as adaptive equipment coverage, military deployment discounts, and accident forgiveness. Below are key coverage options that disabled veterans should consider when selecting a policy:

• Adaptive Equipment Coverage: Covers modifications such as hand controls, wheelchair lifts, and other mobility-assistive devices.
• Accident Forgiveness: Prevents rate increases after a first at-fault accident, helping veterans maintain affordable premiums.
• Military Storage Discount: Allows deployed or non-driving veterans to pause or reduce coverage, lowering costs while the vehicle is not in use.
• Gap Insurance: Covers the difference between the car’s value and the remaining loan balance if the vehicle is totaled (Read more: What is gap insurance, and do I need it?).
• Roadside Assistance: Ensures 24/7 emergency help, including towing, battery jumps, and flat tire changes.

Selecting the right combination of these coverage options can help disabled veterans protect their vehicles while keeping insurance costs low. Comparing policies from top providers ensures access to affordable and tailored coverage that meets veterans' specific needs.

Ways to Lower Your Insurance Premium for Disabled Veterans

Disabled veterans can lower their car insurance costs by taking advantage of bundling discounts, military savings, good driver rewards, safe driving incentives, and usage-based insurance (UBI) programs. The table below highlights the top disabled veteran car insurance discounts from each insurance company:

Insurance Company	Bundling	Military	Good Driver	UBI
	25%	25%	25%	30%
	25%	12%	25%	30%
	20%	20%	30%	30%
	25%	15%	26%	25%
	25%	10%	20%	30%
	20%	25%	40%	40%
	10%	15%	30%	$231/yr
	17%	25%	25%	30%
	13%	10%	10%	30%
	10%	15%	30%	30%

Allstate, Nationwide, and State Farm have the biggest military discount at 25%, making them the best car insurance discounts for disabled veterans. USAA and Geico are also competitive, with 15% military discounts and cheap rates.

Travelers and Liberty Mutual have the lowest military discounts at 10% and the highest monthly rates. However, they are the best companies for specialized policy options for disabled veterans who need adaptive equipment coverage (Read More: Liberty Mutual vs. USAA car insurance).

Comparing providers helps disabled veterans maximize discounts and secure the most affordable military car insurance tailored to their needs. Ready to shop around for the best disabled veteran car insurance company? Enter your ZIP code below and see which one offers the coverage you need.