As a veteran, you have probably put your life on the line to protect our country and its people. You deserve all the benefits our country has to offer, including the best car insurance for veterans and their families.
We found that many car insurance providers offer discounts to this group of people, so it is vital to make a comparison and find the best rate. You may be able to save a lot of money on your premiums.
By taking advantage of these discounts, we can ensure that you will get the best value for your money. Thank you for your service.
The Finest Auto Insurance for Veterans and Their Families
Finding the right auto insurance can be a challenge. There are many factors to consider, from annual cost to coverage options.
The average car insurance cost is $1,630. So, how much can you save if you use your military discount?
To help make the process easier, we have compiled a list of the five companies offering the best car insurance for veterans and their families, along with the rate for car insurance per year:
|Company||Average Annual Rate (After Military Discount)|
Armed Forces Insurance (AFI)
|It is a bit challenging to get a hold of its car insurance cost, so you would have to talk to their agents personally and find out all about it.|
Military Car Insurance Laws—What You Need to Know
There are some other vital things you should know when obtaining car insurance as a military member.
First, we should inform you that eligibility for certain types of coverage may be affected by where you are based or stationed.
For example, suppose your base doesn’t allow certain types of vehicles due to safety regulations or other concerns. In that case, your insurer may choose not to offer car insurance for the military for these cars.
You will also need to ensure that your vehicle meets all regulatory requirements specific to the area you are stationed in. Furthermore, keep in mind that many car insurance carriers offer discounts to active-duty service members and veterans.
With all these factors in mind, it is critical to research your options carefully when shopping around for military-friendly auto insurance policies. By doing so, you can make sure that you get the best deal possible.
Best Car Insurance For Military—Expert’s Review
If you are a veteran or in the military, you know the importance of getting the best possible car insurance. Not only do you need to be sure you’re covered in case of an accident, but you also want to know you’re getting the best possible rates.
That’s why we’ve put together this expert review of the best car insurance for military members. Namely, USAA is our top pick due to its outstanding coverage and rates that are among the lowest in the industry.
Allstate is our second choice, as it offers a wide range of discounts for military personnel and their families. State Farm is third on our list, as it provides excellent coverage and has a long history of working with the military.
The fourth on our list of the best auto insurance for veterans and their families is GEICO, as it offers high policy limits at very competitive rates.
In the end, we have Armed Forces Insurance. Overall, the company represents an excellent choice for those looking for one that specializes in insuring military personnel and their families.
While there are many other great companies, we believe these five are the best choices for military personnel.
USAA Car Insurance *****
Are you looking for a car insurance provider with customizable coverage options, flexible payments, online and mobile quotes, and policy management? We strongly believe that USAA is the perfect choice for you.
All in all, our team found that this company has built a reputation based on its excellent customer service, competitive rates, and well-rounded offerings.
You may have heard that USAA offers insurance for veterans. You should also know that it’s the only major insurance company that caters exclusively to former and current service members and their families.
This includes those currently enlisted in the Air Force, Coast Guard, Army, Marines, National Guard, Reserves, Navy, and retired or honorably discharged military members.
Other notable groups that USAA serves include those in advanced ROTC or on ROTC scholarship, US service academies, and officer candidates within 24 months of commissioning.
Family members eligible for coverage include children from parents with USAA insurance, widows, widowers, and unremarried former spouses who had USAA insurance while married.
USAA is known for being affordable, and it offers the cheapest car insurance for the military on our list.
In addition, USAA is a top-rated car insurance company that offers a range of helpful tools for military personnel, including payment calculators and military separation checklists.
You will also like that the company provides a forgiving policy for drivers who have their first at-fault accident after being with USAA for five years.
- military separation checklists
- a forgiving policy for some categories
- the cheapest insurance for military
- not available to everyone
Allstate Car Insurance ***
In general, Allstate is a major auto insurance provider that offers military members and their families significant savings on vehicle insurance.
We strongly believe that the company is committed to giving back to the military community and providing them with affordable auto insurance options and other military-related benefits, like discounts.
Allstate Car Insurance for Veterans and Their Families: Features
Although it provides a military discount, you will need to verify the exact amount of savings with your local Allstate agent.
For instance, we found that Allstate discounts its customers’ premiums by 25%. Allstate offers this discount to eligible members of the US military and their families who are based in Louisiana or have spouses and/or dependents living there.
Allstate is a company that is committed to helping people who have served their country. Military members and veterans are given special privileges and treatment when they become customers. You might also like that Allstate hires veterans and their spouses.
This company offers one of the best car insurance for veterans, as it understands dedication and sacrifice, and works hard to give back to those who have given so much.
- generous discounts
- an easy-to-open policy
- a network of local agents
- some people complain about customer satisfaction
State Farm Car Insurance ***
State Farm has been an active supporter of veterans and their families for a long time. We liked that the company has been a G.I. Jobs magazine award winner for its support of veterans and military employees.
State Farm is also a member of the Veteran Jobs Mission, a group of 200 private-sector companies committed to those who serve.
There are no official State Farm military discounts, but the company offers many different ways service members can save money on car insurance, such as the Drive Safe & Save Program or the Steer Clear Program.
Drive Safe and Save is a usage-based insurance program that offers discounts to drivers who practice safe driving habits. We found that the app monitors your mileage, driving habits, and other factors to give you a personalized discount.
As per our expert opinion, one of the things that put State Farm among the best insurance for the military and everyone else is its commitment to helping young drivers become more careful and responsible motorists.
The Steer Clear program is just one example of this. It’s a discount program for drivers under 25 who complete an online course and on-road training.
By teaching safe driving habits, State Farm is helping reduce the number of accidents and claims, which in turn helps keep rates low for everyone, making it once again one of the best companies for car insurance for veterans’ families.
- an award-winner for its veteran support
- a member of the Veteran Jobs Mission
- the Drive Safe & Save Program and the Steer Clear Program
- no official discounts
Geico Car Insurance ****
We would first like to mention that GEICO has a dedicated military service team staffed with veterans. So, if you have any questions about your coverage, they’ll be able to help you out.
Moreover, GEICO ranks second in terms of affordability for auto insurance for veterans and the military.
We highly recommend this company as veterans or active military members may be eligible for GEICO’s military discount. This discount can make GEICO’s already affordable rates even more budget-friendly.
To qualify for Geico’s military discount, you need to be a member of either the Fleet Reserve Association (FRA), Association of the US Army (AUSA), or the National Infantry Association (NIA).
The company also offers discounts for members of specific associations, including the Navy League of the United States (NLUS), Armed Forces Benefits Association (AFBA), and Navy Federal Credit Union (NFCU).
We can assure you that Geico is one of the best auto insurance companies for the military. It provides many approaches to assist customers in saving money on their car insurance premiums.
Among several options, drivers can get a discount for being a good driver, having specific vehicle safety features, insuring more vehicles, taking a defensive driving course, and bundling policies.
Also, a customer may be eligible for a discount of up to 25% if they are a part of an emergency deployment to an imminent danger zone.
- discount available to many organization members
- a highly-rated mobile app
- high policy limits
- no GAP coverage option
Armed Forces Car Insurance **
If you are looking for the best companies for car insurance for veterans and their families, Armed Forces is one of them.
We found that Armed Forces Insurance (AFI) also offers expanded coverage to Department of Defense civilian employees, the National Oceanic and Atmospheric Administration officers, and the US Public Health Service.
AFI offers many auto insurance options, including personal injury protection, liability, medical payments, comprehensive, collision, and uninsured/underinsured motorist coverage, rental reimbursement, and emergency roadside assistance.
If looking for car insurance for veterans and their families, keep in mind that the company’s team of agents is ready to help you through your current policies.
When reviewing this company, we found that it even offers a card to carry with you if your PTSD is triggered. You can also take advantage of AFI’s free fraud advocacy services.
- a PTSD card
- free fraud advocacy services
- a helpful team of agents
- you have to call to learn its car insurance cost
Military Discount for Car Insurance
We found that if you store your vehicle on a military installation, you can get a discount on your premium. Furthermore, if you live on a military installation, you may be eligible for a discount on your vehicle insurance.
Plus, you will like that USAA offers convenient payment plans and discounts on vehicle purchases and care.
In most states, you can receive a 15% discount on comprehensive coverage for a vehicle parked in a garage on a military base. In California, for example, you can receive a 5% discount off of comprehensive and collision insurance if you garage your car on base.
There’s also a 60% car insurance military discount if you don’t drive your car and store it in a secure location for at least 30 consecutive days. This benefit can help military members who are deployed, but we found it is not available in Hawaii, North Carolina, or Virginia.
Allstate offers a military discount on car insurance for eligible US Armed Forces community members. The discount amount depends on the customer’s location and the type of policy they are enrolling in. For example, the Allstate military discount in Louisiana is 25% off the customer’s auto insurance premium.
It can also be referred to as a discount on car insurance for the military and their families since it is available to eligible members of the US Armed Forces community who are based in Louisiana or whose spouses and/or dependents are residents there.
We believe Allstate is committed to giving back to the military community and is proud to offer this discount to show our appreciation for the sacrifices made by service members and their families.
Unfortunately, State Farm doesn’t offer specific car insurance discounts for military families. Then again, service members can save money on their car insurance in several ways.
Namely, the Drive Safe & Save Program is a usage-based insurance program that offers discounts to drivers who practice safe driving habits. The app monitors your mileage, driving habits, and other factors to give you a personalized discount.
The Steer Clear program is just one example of this. It’s a discount program for drivers under 25 who complete an online course and on-road training.
What we liked most is that active-duty military members can get up to 15% off their car insurance premiums from GEICO. Therefore, we can say it is one of the best military auto insurance. This discount is also available to veterans and their immediate family members.
GEICO also offers a 25% discount on insurance rates to service members deployed to “imminent danger pay” areas.
We can assure you that you can also get discounts for taking a defensive driving course, certain vehicle safety features, good drivers, bundling policies, and insuring more vehicles.
Armed Forces Insurance
Armed Forces Insurance offers some of the best home and auto insurance for veterans and the military stationed stateside or abroad.
Although, as a part of the military, you may enjoy some benefits from this company, such as a card to carry with you if your PTSD is triggered or taking advantage of free fraud advocacy services, AFI doesn’t have any particular discounts for the military.
However, the company is an agent through a few partner companies, such as Progressive, Travelers, Nationwide, and Safeco.
Most of them don’t have a specific military discount, but some ask for a profession. So, if the military applies, AFI will put that in as the profession, and it would therefore be factored into the rate.
Car Insurance For Veterans—Comparison
Allstate vs. State Farm
One thing to consider is discounts. We found that Allstate offers a variety of discounts, including one for military members.
State Farm also has a variety of discounts but doesn’t have any specifically for military members. At the same time, an insurer offers many different ways service members can save money on car insurance.
Another thing you might like to know when considering auto insurance for veterans and their families is financial strength.
Allstate has received superior financial strength ratings from both AM Best and the Better Business Bureau (BBB). State Farm also has an A+ rating from the BBB.
Regarding price, we can say that State Farm is slightly cheaper. The average annual rate after military discount is $1,235 for State Farm, compared to $1,351 for Allstate.
Our team found that Allstate offers a wide range of coverages, including accident forgiveness that State Farm doesn’t provide. Allstate also has better customer service ratings than State Farm.
USAA vs. GEICO
If you’re a former or current service member, remember that USAA is the only major insurance company that caters exclusively to you and your family. Then again, both companies offer many similar discounts, such as the military discount.
In terms of price, we can assure you that both companies offer some of the most affordable rates.
However, USAA is slightly cheaper than GEICO. So, its car insurance, after a military discount, has an annual rate of $883, while GEICO’s rate is $890.
Both USAA and GEICO offer the standard car insurance coverage and additional features. These features are rental reimbursement, roadside assistance, and accident forgiveness.
We found that USAA also offers rideshare insurance, while GEICO can provide you with mechanical breakdown insurance.
Furthermore, our expert team estimates that USAA scores higher than GEICO in terms of customer satisfaction.
Armed Forces Insurance vs. USAA
For starters, AFI is a much smaller company than USAA. We believe that this can be both good and bad. On the one hand, it may mean that you get more personalized service from AFI.
On the other hand, it may also mean that AFI is not as financially stable as USAA. This is reflected in their A.M. Best ratings, with USAA having a better rating than AFI.
Regarding car insurance for veterans and their families, USAA is the most affordable option on our list, with an annual rate of only $883. However, we couldn’t get a hold of AFI’s coverage cost. So, it’s best to call and talk it over with the company’s agents.
On AFI’s plus side, it offers a card to carry with you if your PTSD is triggered. You can also take advantage of the company’s free fraud advocacy services.
Recap of the Best Car Insurance for the Military and Veterans
We’ve talked about the military car insurance laws, the best car insurance companies for the military and their features, and the discounts they offer for these groups.
When looking for the right policy for you, it’s essential to do your research; there is no “one size fits all” answer.
If you are a veteran or currently serving in the military, ask about any available discounts before signing up for a policy. Don’t forget to thank the men and women who have fought (and are still fighting) tirelessly to protect our freedom—they deserve it.
People Also Ask
Is USAA insurance for veterans only?
No, USAA insurance is not just for veterans. USAA eligibility is also open to active service members, veterans, and their immediate family members.
If you do not fall into any of these categories, you will be unable to get coverage from USAA. So, if you’re looking for affordable and high-quality insurance, this company may be a good option for you.
Is USAA cheaper for veterans?
There is no definitive answer since rates can vary greatly depending on many factors. However, USAA is generally considered cheaper than most other insurers for veterans.
As a matter of fact, not only is it the most affordable option among the ones we’ve reviewed, but probably on the market, too.
So, if you are a veteran looking for cheaper car insurance, USAA is worth considering.
What insurance is for the military and their families?
There are a variety of insurance options available to military families. Some of the most common include health insurance, life insurance, and auto insurance. Military families can also find insurance for their pets and homes.
Fortunately, several companies specialize in providing auto insurance for the military and their families. GEICO, Armed Forces Insurance, Allstate, USAA, and State Farm are all reputable companies with experience in serving the military community.
Of course, eligibility for certain types of coverage may be affected by where you are stationed or deployed. Similarly, your vehicle may need to meet different regulatory requirements to be insured in some locations.
How much is USAA car insurance a month?
USAA auto insurance rates are based on many factors. They include your driving record, the type of car you drive, and your ZIP code. On average, USAA auto insurance costs $53 per month. However, your exact rate will depend on your circumstances. USAA’s rates are generally very competitive, and we can say the company offers the best car insurance for veterans and their families. Hence, it’s worth getting a quote to see how much you could save