The Best Auto Insurance Companies for Military Personnel

As a member of the military, you face unique challenges and risks when it comes to protecting your vehicle.

From deployments to temporary duty assignments, your car insurance needs may be different than those of the average driver.

In this article, we’ll take a look at some of the best auto insurance companies for military personnel.

How Does Car Insurance Work for the Military?

Although the essentials of auto insurance work the same for military members, coverage for active duty servicemen and women does come with some additional requirements.

For example, several states enable service members to maintain automobile registration and insurance coverage via their home state regardless of where they’re stationed.

Keep in mind that each insurance company has distinct requirements when a service member deploys overseas. Finally, some businesses only provide coverage to service members, indicating that you may have more options than the usual customer when looking for military vehicle insurance.

Also Read: The Best Auto Insurance Companies for Comprehensive Coverage

Best Military Car Insurance

The good news is that many auto insurance companies offer customized coverage for men and women in the service. Some insurers, like USAA and Armed Forces Insurance, exclusively cater to veterans and active-duty personnel, while others offer discounts and special coverage alternatives. We looked at more than a dozen vehicle insurance providers to find which give the greatest forms of coverage and savings for service members.

Below you’ll find auto insurance options available through our advertising partners, followed by our entire in-depth list of the finest car insurance companies for military members.

1. USAA

USAA is a top choice for military members and their families, offering a range of insurance products, including auto insurance. They have a strong reputation for providing excellent service to military members and their families, with knowledgeable agents who understand the unique challenges and risks faced by military personnel.

USAA offers a range of coverage options for your vehicle, including comprehensive coverage that protects against non-collision damages, such as theft or vandalism. They also offer military installation discounts and the option to bundle your auto insurance with other types of coverage, such as home or renters insurance.

2. Geico

Geico is another popular choice for military members, known for their affordable rates and convenient online services. They offer a variety of coverage options for your vehicle, including comprehensive coverage that protects against non-collision damages.

Geico also offers military installation discounts and additional features, such as emergency roadside assistance and rental car reimbursement. Plus, their online services make it easy to manage your policy and file claims, even while deployed.

3. Allstate

Allstate is a well-known and reputable auto insurance company with a long history in the industry. They offer a range of coverage options for your vehicle, including comprehensive coverage that protects against non-collision damages.

Allstate also offers military installation discounts and 24/7 claims service, so you can get help when you need it most. Plus, their knowledgeable agents are experienced in working with military members and their families.

4. State Farm

State Farm is a trusted name in the auto insurance industry, offering a range of coverage options to suit your needs. They offer comprehensive coverage that includes protection for your vehicle against theft, vandalism, and other non-collision damages.

State Farm also has a strong track record for customer service, with knowledgeable agents available to assist you with your policy. They also offer military installation discounts and additional features, such as emergency roadside assistance.

5. Progressive

Progressive is another well-known auto insurance company that offers comprehensive coverage for your vehicle. They have a wide range of coverage options, including policies that are tailored to specific types of vehicles, such as classic cars or motorcycles.

Progressive also offers military installation discounts and the option to bundle your auto insurance with other types of coverage, such as home or renters insurance. Plus, their online services make it easy to manage your policy and file claims.

When it comes to choosing the right auto insurance company for military personnel, there are a few key factors to consider. In addition to looking at the reputation and track record of the company, it’s important to carefully read the terms and conditions of their policies to understand exactly what is covered. It’s also a good idea to shop around and compare quotes from multiple companies to find the best rate for your needs.

6. Nationwide

Nationwide is a large, nationwide insurance company with a range of coverage options for your vehicle. They offer comprehensive coverage that includes protection for your vehicle against non-collision damages, such as theft, vandalism, and natural disasters.

Nationwide also offers military installation discounts and a strong reputation for customer service and claims handling. Plus, their online services make it easy to manage your policy and file claims, even while deployed.

7. Liberty Mutual

Liberty Mutual is another nationwide insurance company that offers comprehensive coverage for your vehicle. In addition to protecting against non-collision damages, their comprehensive coverage also includes protection for personal belongings inside your vehicle and emergency roadside assistance.

Liberty Mutual also offers military installation discounts and the option to bundle your auto insurance with other types of coverage, such as home or renters insurance. Plus, their knowledgeable agents are experienced in working with military members and their families.

8. Farmers Insurance

Farmers Insurance is a well-known company that offers a range of coverage options for your vehicle, including comprehensive coverage. Their comprehensive coverage includes protection against non-collision damages, such as theft, vandalism, and natural disasters.

Farmers Insurance also offers military installation discounts and the option to customize your policy with additional coverage options, such as rental car reimbursement or gap coverage. Plus, their online services make it easy to manage your policy and file claims.

What Is a Typical Military Discount?

Just like any other sort of discount, vehicle insurance discount prices vary from company to provider. However, most military auto insurance providers give a discount of 5% to 15% for active serving and retired military people.

Also Read: The Best Auto Insurance Companies For Low-Cost Coverage

What Car Insurance Companies Offer Military Discounts?

Believe it or not, not all vehicle insurance providers give military discounts. However, if you’re looking for firms who do, check with the following companies to save money on your military auto insurance:

• USAA
• Armed Forces Insurance
• GEICO
• Farmers
• Liberty Mutual

Do Veterans Get Discounts on Car Insurance?

Although not every firm gives a military discount to veterans, many do. Car insurance firms who provide veteran discounts include USAA, AFI, GEICO, Liberty Mutual, and Farmers Insurance. As with any coverage or discount offering, you should always check with a customer service person or local insurance agent to see if a veteran discount is available.

How Can You Get a Military Discount on Car Insurance?

For military auto insurance, you normally require a state-issued photo ID (driver’s license, state ID card, or passport), as well as one of the following pieces of military credentials. The verification process for car insurance discounts differs for each individual business.

• D214 Member 4 copy
• Academy appointment letter or ROTC contract
• Active duty military orders
• Discharge certificate
• Leaving and earning statement
• NGB22

Some auto insurance providers will also permit active duty service members to temporarily cancel their auto insurance policy in order to save money, in addition to the regular discounts offered to veterans and active military.

You will need documents proving your deployment (active-duty military orders) as well as proof that you put your car in long-term storage for the period of your deployment in order to do this.

In conclusion

military members and their families have unique car insurance needs. Some of the best auto insurance companies for military personnel include USAA, Geico, Allstate, State Farm, and Progressive.

By doing your research and carefully comparing policies, you can find the right insurance company to protect your vehicle.