What Are the Best Auto Insurance Companies for Veterans and Military Personnel?

The top five best auto insurance companies for veterans and military personnel are USAA, GEICO, Armed Forces Insurance, Allstate, and Nationwide. The best car insurance companies for veterans will cater to the needs of military personnel and their families while offering major military auto insurance discounts. However, many major auto insurance provider companies do not offer any military discount for car insurance policy, so we recommend seeking coverage with this list of auto insurance companies for veterans and military personnel. Plus, if you’re interested, we also have a list of states with cheapest car insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 20, 2021

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Those who have served our country may enjoy special discounted monthly insurance rates. A growing number of car insurance companies across the United States offer military discounts.

From well-known military-oriented car insurance companies like USAA to nationwide giants like GEICO, America’s top car insurance companies offer competitive plans for veterans. Today, we’re explaining everything you need to know about the best car insurance companies for veterans and military personnel.


USAA tends to be the best car insurance for military services personnel, veterans, and their families. In fact, USAA car insurance coverage is only available to veterans, military personnel, and their families. Countrywide, USAA tends to offer the best value car insurance to military personnel and their families. Put simply, USAA offers more car insurance for less money than many of its competitors.

But it’s not just the low-cost premiums that make USAA great; USAA also offers special policies catered specifically to the needs of military personnel. Actively deployed military service members can access special discount rates on car insurance when overseas, for example, and USAA insurance coverage offers discounts when you park your car on a military base (or another safe location) while deployed.

Another advantage of being a USAA member is its customer satisfaction. USAA routinely ranks among the best car insurance companies in the United States for customer satisfaction, handling claims efficiently across the country.

Thanks to these policies and valuable plans, USAA remains one of the best car insurance companies in the United States for veterans and military personnel.

Additionally, the popular insurer or insurance company offers rates that are up to 30% lower than other major nationwide insurance providers, making it one of the best coverage options for active duty military and veterans.

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USAA is often the cheapest option for military service personnel and veterans. GEICO, however, tends to be USAA’s closest competitor for military personnel and veterans. GEICO offers premiums that are very similar to USAA, helping veterans and military personnel enjoy full coverage car insurance without breaking the bank.

There’s a reason GEICO offers auto insurance discount rates to military personnel: the auto insurance company was originally built to serve government employees and military personnel. GEICO stands for “Government Employees Insurance Company.” Whether you’re a government employee or a member of the military, you can enjoy military discount rates on good car insurance by working with GEICO.

Generally, GEICO offers a 15% discount to military personnel and veterans. There’s an additional 15% discount for those who are an active duty military member in the Army, Navy, Air Force, Marines, or Coast Guard. Due to these savings, some military personnel and veterans find that GEICO offers the best rates and value overall.

To qualify for GEICO’s military car insurance discounts as a veteran, you need to be a member of the Association of the U.S. Army (AUSA), the Fleet Reserve Association (FRA), or the National Infantry Association (NIA).

One area where GEICO offers weaker coverage than USAA is for deployed soldiers. USAA can reduce your military auto insurance premiums by as much as 50% when you’re deployed overseas. USAA can reduce your auto insurance premiums by as much as 50% when you’re deployed overseas. GEICO, meanwhile, only reduces premiums by 25% for deployed soldiers. Additionally, discount rates are only available to active duty military deployed to an “imminent danger pay” area as defined by the Department of Defense.

Ultimately, if you are actively deployed or about to be actively deployed, then USAA offers an advantage over GEICO when it comes to car insurance for military member. Generally, however, both USAA and GEICO are very competitive at providing good car insurance at reasonable prices to military personnel, veterans, and their families.

Armed Forces Insurance

Armed Forces Insurance works in a similar way to USAA. Armed Forces Insurance (AFI), offers coverage for active duty military service members, veterans, and their immediate families – similar to USAA. In some cases, you might be able to get better car insurance at a cheaper price through Armed Forces Insurance. Generally, prices are very competitive between AFI and USAA for active duty military, veterans, and their families.


Allstate does not offer a specific discount for military veterans. However, the insurance company tends to offer competitive rates for military personnel and veterans. Veterans and military personnel who buy car insurance from Allstate tend to pay slightly lower rates than Allstate customers working in other professions.

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Nationwide is one of America’s largest car insurance companies. Many veterans and military personnel report receiving discount rates through Nationwide. Studies have shown that Nationwide charges slightly lower rates to military personnel than those in other professions, making Nationwide an attractive choice for active duty military and veterans – especially if you’re bundling other policies together or taking advantage of other Nationwide insurance discounts.

State Farm

State Farm is America’s largest car insurance company, so it makes sense that the insurance giant would offer competitive rates to veterans and military personnel across the country. Although State Farm does not offer specific military discounts or deployment discounts to veterans and military personnel, the company does offer competitive rates and good-value car insurance across the country.


Farmers is another massive car insurance company available across the United States. Veterans and military personnel may be able to access more competitive rates with Farmers than they would with other companies, although premiums can vary widely depending on where you are based.

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Progressive offers competitive premiums in all 50 states, helping veterans and military personnel access lower rates on auto insurance coverage wherever they’re located or based.  Bundling discounts can reduce the price of Progressive car insurance even further, helping veterans and military personnel maximize car insurance savings.


Esurance has built a name as a discount car insurance provider that offers many of the same features found on higher-priced policies. In some states and on some bases. Esurance is able to compete with car insurance companies listed above while offering a preferential car insurance rate to military veterans and active duty military personnel.


Available exclusively in New England, Arbella is a small car insurance company known for offering 10% auto insurance discounts for active duty military. The main requirement of this discount is that you need to need to be deployed more than 100 miles away from your vehicle.

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Many Major Car Insurance Companies Do Not Offer Specific Military Discounts

Surprisingly, most of the nation’s top car insurance companies do not offer military discounts. That’s because most military personnel and veterans flock towards USAA, AFI, or GEICO, all of which offer very competitive car insurance policies to veterans. While these three companies absorb most of the business from military personnel and their families, other insurance companies avoid offering specific military discounts.

While major nationwide car insurance companies may not offer specific discounts to veterans, they do offer other discounts applicable to military personnel and veterans, including:

Generally, the best car insurance companies for veterans tend to be the first two giants on our list: USAA and GEICO, both of which offer competitive premiums to veterans, military personnel, and their families. However, we recommend comparing different military car insurance quotes online today to find the best option for your unique budget and lifestyle.

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