Military Car Insurance: Best Companies and Discounts For 2021


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UPDATED: 2021-06-16T18:28:19.658Z
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Silhouettes of military members

To thank those who have served or are currently serving our country in the U.S. Armed Forces, some car insurance companies offer military car insurance benefits to military personnel.

It's important to know as much as you can about your auto insurance provider and the policies they offer. Before making any final decisions, talk to your local insurance agent to answer any questions that you might have. Questions to consider asking include: "Is my insurance different if I am in active duty service?" "What does comprehensive coverage entail?" "What insurance product do you guys provide?" and "How much are your average auto insurance rates?"

Make sure to look into additional protection as well. Consider adding protection such as uninsured motorist and collision insurance to your policy.

Our insurance industry partnerships don't influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Who Offers the Best Car Insurance for Veterans and Military Personnel?

The table below contains car insurance companies that offer some support to U.S. military members. The following military car insurance companies offer benefits to military members through special policies, car insurance military discounts, and/or other services.

Rank Company Car Insurance Score States company sells car insurance in
1 USAA 4.73 AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
2 GEICO 4.11 AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
3 State Farm 4.10 AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
4 Arbella 4.07 CT, MA
5 Esurance 4.00 AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV
6 Liberty Mutual 3.96 AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
7 Direct Auto & Life Insurance Company (Direct General) 3.84 AL, AR, FL, GA, IL, LA, MS, MO, SC, TN, TX, VA
8 The General 3.57 AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

Please note that military car insurance policies and discounts may not be available in all states the company sells in.

What are the Military Car Insurance Options?

If you're a member of the military, you want to have peace of mind that your insurance company will take care of you and your family with flexible options while you're deployed or at home. Make sure you consider car insurance companies that offer exclusive benefits to military members. Talk to a local insurance agent today to see which military car insurance option is best for you and your family.

USAA Military Car Insurance

USAA is the most popular option for military car insurance. It earned the No. 1 spot for best car insurance company on Clearsurance’s yearly ranking for 2021. It sells auto insurance policies exclusively to active and retired military members and their families.

Adult children and spouses of USAA members are eligible for USAA’s benefits. In addition to military car insurance, USAA offers many other lines of insurance, banking and other benefits.

USAA says that its customers save an average of $707 on their annual car insurance premium when they switch to USAA. Military members can also earn additional savings with a number of discounts available for good students, safe drivers, low-mileage drivers and more. It also offers discounts to help military personnel while on active duty if your car is in storage or if you garage your vehicle on base.

Military members also have access to overseas auto insurance coverage with USAA. If you have a permanent change of station (PCS) overseas or you plan to drive your car internationally, you can work with USAA to make sure you have adequate USAA international auto insurance to protect your car.

A few perks to a USAA military car insurance policy include a policy that's easy to manage and flexible payment options. USAA has a mobile app that allows you to manage your policy on your phone. You can get car insurance quotes, request your military car insurance ID cards, and more from the app or online from anywhere.

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USAA offers a six-month policy or a 12-month policy. You have the ability to pay either policy in full upfront or monthly with no money down. With the six-month policy, you could also pay four consecutive monthly installments with money down, or for the 12-month policy, you could pay nine consecutive monthly installments with money down.

In addition to military car insurance, USAA also offers homeowners and renters insurance policies for military members and their families. If you bundle homeowners or renters insurance with USAA military car insurance, you may earn a discount of 10% off your homeowners or renters insurance policies.

Read USAA insurance reviews to find out why other military members trust USAA for their insurance needs.

Esurance Military Car Insurance

Unlike USAA, Esurance doesn't sell exclusively to military members, but it does offer some benefits to those serving our country. Esurance makes it easy for you to handle your car insurance during a deployment or while relocating.

With an Esurance military car insurance policy, you can easily cancel and reinstate your car insurance policies. Typically if you do this, you likely face an increase in your car insurance rates because of a lapse in car insurance coverage. But Esurance won't charge you higher rates for doing this.

If you're preparing for a military deployment and want to cancel your military car insurance policy temporarily while you won't be using your car, you need to notify Esurance ahead of time before your deployment. Make sure to consider if you'll need to drive your car from time to time while deployed, for example, while on leave. If you think you will, you may not want to cancel your policy because it would leave you uninsured.

If you're reassigned to a different location within the U.S., Esurance can also help you with that. Be sure to contact Esurance to update your policy with your new zip code. If Esurance doesn't offer military car insurance in your new area, it will help you find a new policy. Esurance doesn't offer any car insurance military discounts.

Esurance also offers homeowners and renters insurance. Be sure to check out Esurance reviews to see what policyholders have to say about the company.

What Military Car Insurance Discounts are Available?

If you're an active or retired military member looking for car insurance, be sure to check for military discounts so you can save money on your car insurance policy. There are multiple car insurance companies that offer military discounts at various stages of your military career, including while you're deployed or while you're retired.

Check out the following companies that offer various types of car insurance military discounts.

USAA Military Car Insurance Discount

In addition to being an insurance company that only offers coverage to active and former military members, USAA also offers military car insurance discounts.

Do you live on a military base? USAA's Military Installation Discount offers military members up to 15 percent off their comprehensive car insurance coverage when you garage your car on base. This discount applies to your comprehensive car insurance coverage except in California where it applies to collision as well. Note: The Military Installation Discount is not available in New York.

USAA also offers a Vehicle Storage Discount to customers who put their car in storage. This discount can be worth up to 60 percent off your car insurance premium.

Geico Military Car Insurance Discount

Retired or active military, National Guard, and Reserves members are eligible for a military auto insurance discount of up to 15 percent off their policy from Geico. This discount applies to your car insurance policy at all times, not just when you're deployed.

Geico also offers an Emergency Deployment Discount. This discount is available to military members who are deployed to imminent danger pay areas and store their car under one of Geico's approved storage protection plans.

Imminent danger pay areas are designated by the Department of Defense (DOD) and approved by Congress. Geico's emergency deployment discount has restrictions and limitations to certain locations and military operations. It isn't available in every state.

Take a look at Geico reviews to learn more about the company and its military car insurance discount.

State Farm Military Car Insurance Discount

State Farm offers a military discount to customers in Louisiana who are military members on active duty. In order to qualify for this discount, you must be on active duty and based in Louisiana or deployed overseas, or out of state with a spouse and/or dependents living in Louisiana.

Military family members in Louisiana can also qualify for this discount if you're a spouse or dependent of an active military member. Dependents must live in the same household as the military member and be either under 18 or an unmarried full-time student under 24 years old.

State Farm is one of the most popular car insurance companies in the U.S. Check out State Farm insurance reviews to learn about the experiences people have had with the company and find out if they would recommend it.

Liberty Mutual Military Car Insurance Discount

Liberty Mutual offers a discount on military car insurance. The discount is available to active, retired, and Reserve members of the U.S. Armed Forces. Additionally, Liberty Mutual prides itself on being a Military Friendly Employer, supporting those who enter the service or have retired from service.

Liberty Mutual also gives back to the military community with grants to support organizations for veterans and other community service. If you’re interested in learning more about the company, you can check out Liberty Mutual reviews to learn about the experiences others have had with the company.

The General Military Car Insurance Discount

To thank military members for their service, The General offers a military car insurance discount to Louisiana drivers who are full-time active military personnel. A benefit to car insurance from The General is that it accepts non-standard drivers.

If you’ve had driving violations on your record, have poor credit or have had a lapse in car insurance, you may be considered a non-standard driver and it may be more difficult to find affordable car insurance. The General offers non-standard car insurance coverage. See what customers have to say about the company by reading reviews of The General.

Direct General Military Car Insurance Discount

Direct Auto & Life Insurance Company, also known as Direct General, offers a generous military car insurance discount of up to 25% off car insurance for active military service members of the U.S. Armed Forces.

To qualify for Direct General's car insurance military discount, you must be an active service member with proof you're on active service. Proof can include documentation proving you're on active service including a copy of your current order.

Direct General’s car insurance military discount is offered in Alabama, Arkansas, Florida, Louisiana, Missouri, South Carolina and Texas. Be sure to check out Direct General reviews.

Arbella Military Car Insurance Discount

Massachusetts Arbella customers can receive a 10 percent Military Away Discount on their car insurance policy. This discount applies to military members who are currently deployed on active duty. In order to be eligible for the Military Away discount from Arbella, active military members must be at least 100 miles away from where their car is garaged or not have access to their car regularly.

Although Arbella sells car insurance in Connecticut and Massachusetts, the Military Away Discount is only available to Massachusetts customers. If you want to learn about what customers have to say about car insurance with Arbella, you can read Arbella insurance reviews.

Have you held a policy with one of these companies? Write a review of your experience to help other military members learn more about the best car insurance options for military members and their families.

Make sure you know all of your coverage options before taking out a car insurance policy. Talk to your local insurance agent or use our free tool found above to compare auto insurance rates from the best companies.

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U.S. Army photo by Spc. Peter Seidler. The appearance of U.S. Department of Defense (DoD) visual information does not imply or constitute DoD endorsement.

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