Best Car Insurance For Veterans And Active Military (2022)

Advertiser disclosure If you are searching for the best car indemnity for veterans and military families, we are here to help those who have served. Whether you served in the Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, or another area of the Department of Defense, it is crucial to have the best cable car policy at the best price. In this article, we take a spirit at several car policy companies that offer military discounts, external options, and other special accommodations. We ‘ll besides take a closer attend at the top five insurance providers for military members and veterans based on our diligence research. In rate to make surely you get the best deal when you shop for car policy, it ‘s fresh to compare coverage options and quotes from a few providers. Use our release tool below to start comparing personalized car indemnity quotes from top providers in your area.

In this article:

Best Car Insurance For Veterans And Military Personnel

In evaluating the top car policy companies in the industry, we found respective indemnity providers that stood out for offering the best car insurance for veterans and active-duty overhaul members.

Best Car Insurance
For Military And Veterans
Discounts/Perks Availability Cost Reputation
1. USAA Car Insurance 15% garage on base,
60% deployment
50 states Affordable High J.D. Power rankings for claims and shopping process
2. Geico Car Insurance 15% military discount,
25% for emergency deployment
50 states Affordable A+ Better Business Bureau (BBB) rating
3. Liberty Mutual Car Insurance Varies 50 states Average A+ BBB rating
4. Armed Forces Insurance (AFI) 15% garage on base 10 states directly, 38 states through partners Average A+ BBB rating
5. Esurance Car Insurance Cancel policy during deployment without lapse in coverage 43 states Average A- BBB rating

Another provider to consider is Wawanesa car policy. Because the Wawanesa coverage is entirely available in Oregon and California, we did not include it in our list of the best car indemnity for veterans and military personal. This provider is distillery a good choice if you live in those areas, as it offers varying military discounts. To determine which ship’s company fits your needs, you should consider respective aspects. First, you should look at the supplier ’ south repute. You besides want to examine customer service rankings and the cost of a policy. From there, it ’ mho good to research the available cable car insurance discounts and look at the extra perks. We ’ ve done the work for you and found these five car insurance providers have the best car indemnity for veterans.

#1 USAA Insurance: Best Overall Military Car Insurance

even though USAA doesn ’ t give service members a discount at all times, it ’ second still the most democratic car policy for veterans and military families. That ’ sulfur because rates from USAA tend to be cheaper than rates from other companies, even those that offer military discounts. With USAA, you besides have the advantage of working with people who know what veterans need and want out of their insurance. USAA has an A++ fiscal persuasiveness rat from AM Best, so you know the caller is on solid fiscal foot. USAA besides stands out for its customer serve. The company has a Consumer Reports Reader Score of 92 – the highest out of any property and casualty indemnity party. It besides got a score of 900/1,000 in the J.D. Power 2020 U.S. Auto Claims Satisfaction Study, and a score of 900/1,000 in J.D. Power ’ mho 2020 Insurance Shopping Study. That means a majority of customers are satisfied with USAA ’ s claims action. You can file claims online or in the USAA app, and you can besides call a telephone number for immediate aid. The USAA app has a Photo Estimation Tool that you can use for certain types of claims, besides. Another thing we like about USAA ’ second car indemnity for military members is that the caller provides helpful data on joining the military, deployment, changing stations, and leaving the military. available tools include :

  • Military pay calculator
  • Personalized military timeline
  • Deployment frequently asked questions
  • Permanent change of station (PCS) moving checklist
  • Military separation checklist
  • Military separation assessment

These resources show that USAA has a knowledgeable staff that can help members of the military in a kind of situations, which is one of the reasons we ‘ve named it the best car indemnity for veterans. Of course, USAA ’ second merchandise offerings extend beyond fomite coverage and include fiscal planning, renters policy, invest, liveliness policy, mortgage services, and more. The company ’ randomness life insurance options, in especial, include specialized options for service members. To join USAA, you ’ ll need to provide your basic contact information and details about your military service or that of a family member. If you have an contiguous syndicate member who has had a USAA car or home policy, you are besides eligible for coverage.

#2 Geico Insurance: Best Military Discount

While Geico doesn ’ t offer as steep of a discount rate when you ’ re on deployment, the company does give you a 15-percent discount rate for having served. You can get this rebate for ampere long as you have coverage with Geico, which is pretty nice. overall, Geico tends to cost a moment more than USAA, but the military dismiss can decidedly help with that, which is why it ‘s a top pick for car insurance for veterans. Geico wrote over $ 34 billion in premiums in 2019 according to the National Association of Insurance Commissioners. Compared to other companies in the diligence, it ’ s the second-largest car insurance company in the U.S. Geico besides has a fiscal intensity rate of A++ from AM Best, which means it ’ s in full capable of managing its assets. The only downside of Geico ’ randomness car indemnity for military and veterans is that the company lone gives you a 25-percent discount rate during deployment. besides, to get that rebate, you have to be deployed to an at hand danger pay sphere or store your fomite under an approve storage plan. If you ’ rhenium deployed somewhere else, you won ’ thymine be able to get that discount rate unless you can store your vehicle. You do besides have the choice to downgrade your policy so that you don ’ t have a break in in insurance coverage. here are some more discounts you can get with Geico that can lower your policy premium :

  • Discounts for being a good driver and/or a good student
  • Discount for passing a defensive driver course
  • Discounts for air bags, anti-theft devices, and anti-lock brakes
  • Multi-policy and/or multi-vehicle discounts
  • Federal employee discount

That end discount is something to keep in thinker, since many veterans go on to work for the federal politics. If you do so, you could take advantage of both the military deduction and the federal employee discount. Geico besides performed well in the J.D. Power Auto Claims Satisfaction Study. According to the survey, many customers had positive experiences when filing a claim with Geico. The average time to close a claim in 2019 was 13 days, but Geico customers may experience shorter times. Customer gratification with Geico ’ s shopping experience international relations and security network ’ metric ton ampere eminent – participants in J.D. Power ’ second 2020 Insurance Shopping Study rated it as average.

#3 Liberty Mutual: Best Money-Saving Features

Liberty Mutual car insurance for military members includes a military deduction that applies to active, retire, or reserved U.S. Armed Forces personnel. One impressive money-saving sport that all Liberty Mutual customers have entree to is the RightTrack® platform, which monitors customers ’ safe driving habits to qualify for car insurance discounts. More ways to save money on Liberty Mutual car policy for veterans include :

  • Save if you purchase your car policy policy on-line
  • Bundling your Liberty Mutual home and auto policy can help you save
  • Liberty Mutual Deductible Fund® helps you pay the cost of your deductible for covered repairs after a collision
  • Accident forgiveness insurance is available after five claim-free years

When it comes to the best car indemnity for veterans and military families, it ’ mho important to choose a provider that can be relied on. Liberty Mutual is accredited and maintains an A+ denounce from the BBB. This is a incontrovertible indication that customers are largely satisfied with their interactions with the party. AM Best rates Liberty Mutual ’ s fiscal military capability an A, which translates to Liberty Mutual being financially able of paying out customer claims.

#4 Armed Forces Insurance (AFI): Best For Military Veterans

similarly to USAA, Armed Forces Insurance alone provides car policy for military members ( active and retired ). When you get an AFI car indemnity policy, it covers you, your spouse, your children, and other family members that live at the same address, angstrom good as any license drivers who have permission to drive your car. In addition to active, retire, and honorably discharged military personnel, civilians who work for the military may besides qualify for Armed Forces Insurance. AFI has been servicing military car indemnity policies since 1887. nowadays, Armed Forces Insurance is available in all 50 states. In addition to some of the best car policy for veterans and military members, AFI offers homeowners policy, renters policy, and motorcycle policy. Unique coverage options from AFI include :

  • Fire and flood insurance
  • Valuable items insurance
  • Pet insurance
  • Umbrella insurance

equally far as cable car policy for military families, AFI policies provide standard car insurance options for customers. All AFI car policy policies come with emergency wayside aid that provides tow services if your car is disabled on the side of the road due to a breakdown and rental reimbursement that pays for rental car services if your car is in the patronize for a cover collision-related repair. Armed Forces Insurance has maintained a relatively good diligence standing with a B+ average Financial Strength fink from AM Best and an A+ from the BBB. together, these scores represent AFI ‘s capability to payout customer claims and customer satisfaction with interactions with AFI.

#5 Esurance: Best Car Insurance For Active-Duty Military

The biggest fringe benefit to Esurance cable car indemnity for military personnel is the singular ways the company helps active-duty military members. Esurance does not offer a specific military affiliation discount. however, active-duty military personnel have the opportunity to cancel and reinstate their car indemnity coverage when deployed without experiencing a lapse in coverage. Lapses in your car insurance can lead to higher premiums and more difficulties getting coverage down the road. Esurance has impressive reviews from industry experts, including an A- from the BBB and an A+ fiscal forte rating from AM Best. Esurance besides provides insurance coverage for unique recreational vehicles such as golf carts, motorcycles, classical cars, ATVs, boats, snowmobiles, trailers, and scooters.

Discounts On Car Insurance For Veterans

When it comes to the best cable car policy for veterans and active members of the Armed Forces, one big thing to consider is military discounts. There are a number of companies that give discounts to military families, including :

  • Geico car insurance: 15 percent
  • Farmers car insurance: About 5 percent
  • Liberty Mutual car insurance: Discount varies
  • Esurance car insurance: Discount varies

You ’ ll notice that USAA isn ’ metric ton on this list, and that ’ second because the company entirely offers discounts for garaging your car on a military basis or storing it during deployment. Use our dislodge cock below   to start comparing car insurance quotes from these insurers and more.

Military Car Insurance During Deployment

car indemnity for veterans and active-duty military personnel includes standard coverages, some of which are required by express laws. While offerings can vary between companies, you ’ ll see basic types of car indemnity like liability cable car indemnity, collision policy, and comprehensive cable car policy among others. Most car indemnity companies don ’ deoxythymidine monophosphate pay for mechanical breakdowns or failing parts, but that can be covered under an strain cable car guarantee. While standard coverages are crucial to have, there are some situations that are alone to service members. The best car indemnity for veterans and active service members normally comes with a military deduction, but not all companies offer limited options for military deployment. even when you ’ ra deploy, you distillery have to maintain some level of coverage on your register vehicles.

Suspend Or Reduce Coverage

One option that USAA and Geico both offer is to reduce your coverage during deployment. With Geico ’ s Military Storage Protection, you can suspend or reduce your insurance if you ’ ll be aside for 30 days or more. however, remember that other family members won ’ t be able to drive your car if you reduce or suspend your indemnity. With USAA cable car policy, you can save up to 60 percentage on your premium by storing your vehicle during deployment.

Non-Owner Coverage

rather of reducing your coverage, you might choose to sell your car right before deployment. Doing this would avoid any relapse in coverage since you wouldn ’ t have a cable car registered to your list. however, what do you do when you come back on leave and do n’t want to drive a rental or a family member ’ south car ? well, that ’ s what non-owner coverage is for. You can get this type of coverage through a act of democratic providers. Non-owner coverage includes everything that standard coverage does except collision and comprehensive options. Since it covers less, it besides costs less, besides. Depending on whether or not you want to sell your cable car, carrying non-owner indemnity during your deployment might be cheaper than continuing coverage with a company like USAA or Geico.

Best International Car Insurance For Military And Veterans

You might want to take your car with you or purchase a vehicle to use oversea, but your standard policy won ’ thyroxine mechanically cover this. The good thing is that USAA and Geico both have options to add external coverage, and they both have offices abroad. besides, Geico offers a nautical indemnity option to cover your car if you ship it to a fresh localization. If you ’ re shipping your car, you ’ ll have to set up an international policy policy before you leave. If you had left your car at home but decided to rent a car at your destination, you still need a separate international policy policy. An external policy policy with USAA covers your car during transport. You besides need indemnity before you can register a car afield, and most U.S. bases can help with the registration procedure. last, make sure you familiarize yourself with the roads at your finish. many SUVs and trucks from the U.S. are excessively boastfully to drive in early locations.

Find The Cheapest Car Insurance For Your Military Family

We ‘ve given you a few options for the best car indemnity for veterans, and now it ‘s fourth dimension to find the mighty provider for you. More much than not, this comes down to which insurance company offers you the lowest rates. In addition to the insurance ship’s company you choose, factors such as your old age, fomite make and model, and driving record can affect your bounty, so what ’ s best for your neighbor might not be best for you. You can get started comparing free quotes from peak insurers in your area using the joyride below.

FAQ: Best Car Insurance For Veterans

What is the best cable car insurance for veterans ? We think there are two great options for car insurance for veterans and military. USAA has excellent rates and ratings for customer atonement. Active duty military will get depleted premiums, plus a adult dismiss for deployment. If you ’ re withdraw military, you might find better rates through Geico, which gives veterans a deduction at all times. Is USAA policy merely for military and veterans ? You can get USAA policy if you ’ re an enlist, active, honorably separated, or retire member of the military. National Guard and Reserve officers are eligible. Candidates in commissioning programs ( ROTC ) and spouses and children of USAA members can besides get a policy. After a military servicing penis registers with USAA, eligibility can stay in the family ampere long as each generation purchases an car or home plate insurance plan. Is USAA the cheapest car policy ? USAA offers bum car indemnity, and it can be the cheapest for many people. however, the rates you see depend on many things like your driving history, old age, state you live in, and the type of car you drive. Does the military put up car insurance ? No, the military doesn ’ thyroxine provide car indemnity. however, many of the best cable car indemnity companies offer discounts for members of the military and make it easy to manage coverage during deployment. Who offers the best car insurance for veterans ?

  • 1. USAA Car Insurance: Best rates
  • 2. Geico Car Insurance: 15 percent discount
  • 3. Farmers Car Insurance: About 5 percent discount
  • 4. Liberty Mutual Car Insurance: Discount varies
  • 5. Esurance Car Insurance: Discount varies


In an attempt to provide accurate and indifferent data to consumers, our technical review team collects data from dozens of car indemnity providers to formulate rankings of the best insurers. Companies receive a score in each of the surveil categories, american samoa well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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