USAA, Geico, and Liberty Mutual are the best car insurance companies for veterans. USAA offers the lowest monthly rates, starting at $80 for minimum coverage.

Veterans seeking insurance need providers who understand military-specific needs, such as deployment coverage, storage unit insurance, and flexible payment arrangements during service transitions.

Company	Rank	Military Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	A++	Military Benefits	USAA
	#2	25%	A++	Bundling Options	Geico
	#3	35%	A	Storage Discount	Liberty Mutual
	#4	10%	A	Innovative Tool	Farmers
	#5	15%	A++	Comprehensive Coverage	State Farm
	#6	5%	A+	Deployment Discount	Nationwide
	#7	25%	A+	Low Premiums	Progressive
	#8	10%	A+	Custom Policies	Allstate
	#9	15%	A+	Flexible Coverage	Erie
	#10	15%	A++	Accident Forgiveness	Travelers

All ten top providers offer accident forgiveness and roadside assistance, but only USAA, Liberty Mutual, Nationwide, and Progressive include comprehensive coverage across all six major benefit categories discussed in this guide.

What You Should Know

• USAA leads the best car insurance companies for veterans
• Liberty Mutual offers veterans the industry's highest military discount at 35%
• Geico provides veterans with an impressive 25% military discount

Keep reading to find the best car insurance companies for veterans in your state. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.

#1 – USAA: Top Overall Pick

Pros

• Exclusive Military Perks: Offers specialized benefits unavailable through other providers, including deployment storage options. Learn more in our USAA car insurance review.
• Budget-Friendly Rates: Provides the lowest average premiums for veterans seeking affordable coverage, with minimum policies starting at $80.
• Specialized Customer Support: Delivers dedicated military service from representatives trained to understand veterans' unique insurance situations.

Cons

• Membership Restrictions: Limits eligibility solely to those in the military, veterans, and their immediate families.
• Limited Physical Locations: Features fewer local agents than competitors, creating challenges for veterans who prefer in-person insurance discussions.

#2 – Geico: Best for Bundling Options

Pros

• Excellent Package Deals: Provides advantageous bundling options, allowing veterans to combine car insurance with other coverages for maximum savings.
• User-Friendly Technology: Geico features an intuitive mobile app that enables veterans to manage their insurance policies conveniently from anywhere.
• Substantial Military Discount: Offers a generous 25% military discount, translating to significant savings for veterans seeking affordable insurance coverage.

Cons

• No Gap Coverage Protection: Lacks vehicle depreciation protection that many competing veteran insurance companies provide (Read More: What is gap insurance?).
• Primarily Digital Experience: Functions mostly on an electronic basis, potentially challenging for veterans accustomed to traditional insurance transactions.

#3 – Liberty Mutual: Best for Storage Discount

Pros

• Deployment Vehicle Protection: Provides discounted specialized vehicle storage for deployed veterans, safeguarding investments while abroad.
• Premium Military Discount: In our car insurance review of Liberty Mutual, it delivers a substantial 35% military discount for veterans.
• Progressive Deductible Program: Features comprehensive vanishing deductible options that reward veterans for maintaining clean driving records after service.

Cons

• Costlier Basic Coverage: Charges relatively higher premiums for veterans seeking entry-level policies, with rates exceeding several leading competitors.
• Limited Digital Tools: Provides fewer online policy management resources than some veteran-oriented insurance providers veterans might prefer.

#4 – Farmers: Best for Innovative Tools

Pros

• Usage-Based Pricing: Features innovative insurance tools that help veterans pay based on actual driving habits rather than demographic profiles.
• Customizable Coverage Options: As mentioned in our Farmers car insurance review, it provides an extensive personalization for veterans.
• Strong Local Presence: Offers numerous local agents familiar with regional conditions that affect veterans' insurance premiums across different areas.

Cons

• Higher Base Rates: Charges elevated minimum coverage rates compared to some competitors, potentially straining veterans' finances during transitions.
• Missing Loyalty Rewards: Does not offer vanishing deductible advantages that most veterans seek for long-term insurance loyalty recognition.

#5 – State Farm: Best for Comprehensive Coverage

Pros

• Superior Protection Options: Provides extensive comprehensive coverage addressing veterans' needs beyond standard policies.
• Widespread Agent Network: Network of local representatives understand veteran communities. Learn more in our State Farm car insurance review.
• Advanced Safety Incentives: Features competitive discounts for vehicles with safety technology, helping veterans save when purchasing protected transport.

Cons

• Financing Protection Gap: Lacks gap insurance coverage many veterans require when financing new vehicles after military service.
• Restricted Multi-Policy Savings: Offers a limited bundling discount of 17%, below what competing veteran insurance companies typically provide.

#6 – Nationwide: Best for Deployment Discount

Pros

• Reserve Service Benefits: Featured in our Nationwide car insurance review, it provides specialized deployment discount options for veterans.
• Safe Driver Rewards: Provides a market-leading 40% good driver discount, recognizing veterans who maintained safety while serving.
• Decreasing Deductible Advantage: Offers excellent vanishing deductible program specifically benefiting veterans establishing long-term civilian driving records.

Cons

• Minimal Military Discount: Provides a surprisingly low 5% military discount, significantly less generous than other leading veteran insurance providers.
• Fewer Service-Specific Features: Includes limited military-specific coverage options that veterans often need during the transition to civilian life.

#7 – Progressive: Best for Low Premiums

Pros

• Affordable Transition Coverage: Offers consistently budget-friendly premium options for veterans entering civilian life. Learn more in our Progressive car insurance review.
• Precise Usage-Based Savings: Provides unique driving-habit insurance with specific dollar savings rather than percentage-based discounts for veterans.
• Veteran-Friendly Protection: Offers military-specific accident forgiveness, helping veterans maintain low rates after post-service driving errors.

Cons

• Reduced Package Incentives: Provides comparatively lower bundling discount at only 10%, limiting savings for veterans purchasing multiple insurance policies.
• Thinner Specialized Support: Has fewer military-trained customer service representatives than the highest-ranked veteran insurance providers.

#8 – Allstate: Best for Custom Policies

Pros

• Tailored Coverage Selection: Provides flexible policy options enabling veterans to choose the protection that suits their post-service requirements.
• Enhanced Safety Incentives: As highlighted in our Allstate car insurance review, it delivers superior safe vehicle discounts for veterans.
• Specialized Agent Training: Maintains local representatives with specific education to understand the insurance needs of veterans across different regions.

Cons

• Premium Price Point: Charges elevated minimum coverage rates compared to most competitors, creating challenges for veterans with fixed incomes.
• Missing Loyalty Benefits: Lacks decreasing deductible options that many veterans prefer when seeking long-term insurance rewards.

#9 – Erie: Best for Flexible Coverage

Pros

• Adaptable Protection Plans: Offers adjustable coverage options that veterans can quickly modify. Learn more about its plans in our Erie car insurance review.
• Loyalty Deductible Program: Provides excellent diminishing deductible benefits, specifically supporting veterans in building consistent civilian driving records.
• Competitive Full Coverage: Features attractive rates for comprehensive protection, helping veterans safeguard newer vehicles without excessive premium costs.

Cons

• No Military-Specific Discounts: Lacks dedicated service member discount offerings that veterans receive from nearly all other top insurance providers.
• Regional Availability Limitations: Operates in restricted geographic areas, preventing many veterans from accessing their competitive insurance products.

#10 – Travelers: Best for Accident Forgiveness

Pros

• Forgiving Post-Service Coverage: Offers superior accident protection designed to assist veterans in adapting to civilian driving patterns.
• Financing Protection: Provides competitive gap insurance, safeguarding veterans with new vehicles (Read More: Travelers Car Insurance Review).
• Multi-Vehicle Specialization: Features customized insurance plans for veterans with multiple cars requiring varying levels of protection.

Cons

• Moderate Service Discounts: Gives comparatively modest military rate reductions at 15%, offering veterans fewer savings than most competitors.
• Limited Vehicle Safety Incentives: Provides reduced discounts for safety features compared to competitors.

Car Insurance Costs for Veterans

Veterans deserve affordable coverage that honors their service and provides full coverage. The best car insurance for veterans typically offers military discounts that save you up to 10% or more on your monthly premiums.

Insurance Company	Minimum Coverage	Full Coverage
	$120	$200
	$85	$145
	$100	$175
	$95	$160
	$105	$180
	$98	$165
	$110	$190
	$90	$155
	$100	$170
	$80	$140

According to our table of monthly rates above, costs vary significantly among the best military car insurance companies, with insurers like USAA being the most competitive.

While costs matter, veterans should also consider military discounts, deployment coverage options, and features specific to military life.

Exclusive Veteran Discounts

The top car insurance companies that customers recommend offer several insurance discounts for veterans to help military families lower their expenses. Below is a breakdown of discount percentages available from top providers.

Insurance Company	Military Discount	Bundling	Good Driver	Safe Vehicle	UBI
	10%	25%	25%	20%	30%
	15%	20%	30%	25%	30%
	10%	20%	30%	15%	30%
	25%	25%	26%	15%	25%
	35%	25%	20%	15%	30%
	5%	20%	40%	15%	40%
	25%	10%	30%	10%	$231/yr
	15%	17%	25%	25%	30%
	15%	13%	10%	8%	30%
	15%	10%	30%	10%	30%

Liberty Mutual stands out with the highest military discount, 35%, while Nationwide offers the most substantial good-driver discount, 40%. Veterans looking to bundle multiple policies should consider Allstate, Geico, or Liberty Mutual, which offer 25% savings.

Many insurers also provide usage-based insurance (UBI) programs that reward careful driving habits, with Nationwide leading with 40% potential savings.

Comprehensive Coverage Comparison for Veterans

When selecting car insurance, veterans should consider standard and military-specific options. The must-have basic plans include:

• Liability Insurance: Required in most states, covers damages to others in accidents you cause.
• Collision Coverage: Pays for damage to your vehicle after an accident.
• Comprehensive Coverage: Covers non-collision damage (theft, vandalism, natural disasters).
• Personal Injury Protection (PIP): Covers medical expenses for you and your passengers.
• Uninsured/Underinsured Motorist Coverage: This protects you if a driver with insufficient insurance hits you.

Beyond this basic coverage, veterans can benefit from military discounts and additional protection options. Take a look at the table below to see what coverage you can get from the top providers:

Insurance Company	Military Discount	Accident Forgiveness	Vanishing Deductible	Roadside Assistance	Rental Car	Gap Insurance
	✅	✅	❌	✅	✅	✅
	❌	✅	✅	✅	✅	✅
	✅	✅	❌	✅	✅	✅
	✅	✅	❌	✅	✅	❌
	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅
	✅	✅	❌	✅	✅	❌
	✅	✅	❌	✅	✅	✅
	✅	✅	✅	✅	✅	✅

Most of the best car insurance companies for veterans offer military discounts and essential coverages like accident forgiveness and roadside assistance.

What's in our baby bag? LOTS and LOTS of diapers. For more advice: https://t.co/mzwxpGlbBv pic.twitter.com/WesdkPiy7C

— USAA (@USAA) March 3, 2025

However, only USAA, Liberty Mutual, Nationwide, and Progressive provide all six featured benefits, including vanishing deductibles and gap insurance options that can be particularly valuable for veterans financing new vehicles.

Securing The Best Veteran Car Insurance

USAA, Geico, and Liberty Mutual are the best car insurance companies for veterans. USAA offers exclusive military-focused benefits, Geico provides substantial 25% military discounts, and Liberty Mutual features specialized vehicle storage protection during deployment.

Veterans can find optimal coverage by comparing multiple auto insurance quotes online, allowing them to discover which military discounts and deployment protections best fit their specific situation. If you're searching for the best car insurance for veterans, Reddit users frequently recommend checking USAA first:

Comment
byu/Tasty-Window from discussion
inVeteransBenefits

Need the cheapest car insurance possible? Enter your ZIP code into our free comparison tool to find the most affordable rates for your vehicle.

FAQ

What is the best car insurance for veterans?

USAA, Geico, and Liberty Mutual typically offer the best veteran options, combining competitive rates with military-specific discounts and coverage benefits.

Does Allstate offer veteran discounts?

Allstate offers veterans a 10% military discount, plus additional savings through their bundling options and safe driving programs.

Read More: What Is Considered a Clean Driving Record?

Who is the best organization to help with VA claims?

Veterans Service Organizations like DAV, VFW, and American Legion offer free assistance with VA claims, often providing better results than paid services.

How do military car insurance needs change during deployment?

During deployment, veterans need storage coverage options, suspended liability coverage, and flexible payment plans that accommodate military service requirements.

What insurance do most veterans have?

USAA is the most popular insurance choice among veterans due to its military-exclusive benefits, competitive rates, and specialized customer service.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.

Is USAA only for the military?

USAA membership is exclusively available to active military veterans and their eligible family members, including spouses and children.

Read More: How to Find Out if You're Eligible for USAA Insurance

Which car insurance companies offer the most comprehensive benefits for military veterans?

USAA, Liberty Mutual, and Geico offer the most comprehensive veteran benefits, including military discounts, deployment coverage, and service-specific policy options.

How does car insurance for military families differ from standard policies?

Military insurance includes deployment protection, storage unit insurance, options, military-specific discounts, and coverage accommodating frequent relocations and overseas assignments.

How do car insurance rates for veterans compare between minimum and full coverage?

Veterans typically save 15-25% compared to civilians on both coverage types, with USAA offering the most competitive rates for full coverage car insurance.

Which states require insurance companies to provide military discounts to veterans?

Only California, Connecticut, Delaware, Illinois, Indiana, and Pennsylvania have laws requiring insurers to offer military discounts to veterans.

Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.