Best Auto Insurance for Disabled Veterans (2022)

The best auto insurance for disabled veterans may come from a company discount or a specialized insurer. USAA, which only serves military members, advertises significantly lower rates compared to other nationwide providers. Other companies offer up to 25% discounts for disabled veterans auto insurance policies, but specialty driving equipment may raise rates.

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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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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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 Leslie Kasperowicz

UPDATED: Jun 16, 2022

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What You Should Know

  • Many companies across the nation offer military discounts
  • Veterans can find specialized programs for all their insurance needs
  • The government offers assistance to cover the cost of car modifications for disabled veterans

Whether you just returned from deployment or have been out of the service for a while, veterans have great coverage options. Auto insurance for disabled veterans can be affordable and hassle-free to find.

Follow this guide to learn about the best auto insurance companies and other tips for finding affordable auto insurance for disabled veterans.

If you’re ready to start comparing disabled veteran auto insurance rates, use our free tool to get started. Enter your ZIP code to find affordable auto insurance quotes for disabled veterans in your area.

What is the best auto insurance for disabled veterans?

Not every company offers a military discount, but the options available can help disabled veterans pay up to 50% less for car insurance.

The average driver can expect to pay around $1,200 per year for car insurance, but for anyone in the military or who has previously served, USAA will likely offer the best rates for auto insurance policies.

If you don’t want to sign with USAA, GEICO offers a favorable discount to veterans. However, Esurance and Safe Auto will offer the best savings for veterans. 

Can I get discounts on auto insurance for disabled veterans?

Several nationally recognized providers offer discounts to military personnel. Some offer a significant chunk off for your service, while some offer a nominal percent.

What auto insurance companies offer military members car insurance discounts? Check out the table below for disabled veteran’s auto insurance company discount options:

Military Discounts Offered by Company
Company Percentage
GEICO (may be active of retired)15
Liberty Mutual (must be on active duty)4
MetLife15 (could vary based on years of service)
Safe Auto25
Safeco (may be active or retired)N/A
State FarmN/A
The GeneralN/A
USAA (policyholder, spouse, or parents must be active or retired military to secure policy)N/A
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Members of AARP know that the benefits are endless when you sign up. But if you’re a disabled veteran, AARP savings are next level:

  • AARP veteran members can receive discounts between 10-25% at car part retailers like Jiffy Lube, O’Reilly Auto Parts, and Advanced Auto Parts.
  • Active duty, National Reserves, and veterans can get an additional 15% discount on GEICO insurance through AARP.
  • Current and former service members receive $500 off a lease or purchase of a vehicle.

Some of the best discounts and auto insurance policies geared toward veterans are from USAA.

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Are there private insurers that sell only to service members?

There are a couple of companies that cater exclusively to current and former members of the military. These companies operate like standard auto insurance providers. However, they cater to the specialty needs of service members.

USAA has been serving current and former military members and their families for nearly 100 years. The company offers auto and home insurance in addition to other financial services.

Armed Forces Insurance has been around for a little longer. Since 1887, the company has sought to protect the property and safety of those in the armed forces.

USAA Auto Insurance

According to the company, the average member pays $450 less on auto insurance than a driver with another provider. When compared to national providers, USAA’s rates are 34% lower on average.

USAA disabled veterans discount benefits can be found in the table below:

Available USAA Auto Insurance Discounts
Discount TypeDiscount Available
Anti-lock brakesYes
Claim freeYes - 12%
Daytime running lightsYes
Defensive driverYes - 3%
Distant studentYes
Driver's edYes - 3%
Driving device/appYes - 5%
Early signingYes - 12%
Family legacyYes - 10%
Garaging/storingYes - 90%
Good studentYes - 3%
Low mileageYes
Military garagingYes - 15%
Multiple policiesYes
Multiple vehiclesYes
Newer vehicleYes - 12%
Occasional operatorYes
Paperless/auto billingYes - 3%
Passive restraintYes
Safe driverYes - 12%
Senior driverYes
Vehicle recoveryYes
VIN etchingYes
Young driverYes - 75%
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The company also offers discounts to auto insurance policyholders. These savings include safe driving, student, and family discounts.

Armed Forces Insurance

Armed Forces Insurance is highly rated among customers. However, its public information on rates is limited. AFI is available in every state and has accolades from customers for best serving disabled veterans or retired military members.

Unlike USAA, AFI does not offer any additional discounts to its members. The company site claims to offer competitive rates based on driving record, enrolling in bundle policies, and more.

If neither of these military-focused companies suits you, there are other discounts and programs available. Disabled veterans are eligible to save hundreds on auto insurance with many different providers.

What are other ways to save on auto insurance for disabled veterans?

In addition to military-specific discounts, disabled veterans can also take advantage of cost-effective programs. Many companies have lists of deals that policyholders can take advantage of, and the best way to learn about your options is to ask a provider.

There are also tailored auto insurance programs that use telematics to measure your driving and produce discounted rates. If you’re a disabled veteran that doesn’t drive that much or is a very cautious driver, these usage-based programs may be a good fit.

Learn more about telematics with our guide: Can telematics help save money on auto insurance?

Other ways veterans can save money on car insurance can be as simple as re-evaluating their needs. Maybe you’re using one car more than the other, or you can downgrade to a smaller, safer vehicle. These tweaks could lower your annual policy rates and help you save money on car insurance for disabled veterans.

Do car modifications affect auto insurance rates for disabled veterans?

When it comes to auto insurance for disabled drivers, companies are limited in what they can charge simply based on a disability.

Under the Americans with Disabilities Act, insurance companies can’t target people for their disabilities. However, there are some pieces to the driving puzzle that aren’t included in the ADA.

An insurance company may charge drivers additional fees for insuring special driving equipment. Common equipment used to modify vehicles for disabled veterans and passengers include:

  • Amputee rings
  • Automatic doors
  • Hand controls
  • Keyless entry/ignition
  • Pedal extensions

Your disability may impact your auto insurance rates when your medical condition poses a safety risk on the road. Your doctor will report any risk that your disability poses, and the DMV will display this information on your ID.

Auto Insurance for Disabled Veterans: The Bottom Line

If you served in the military, you should have no problem finding affordable auto insurance. Disabled veterans auto insurance is readily available to anyone who wants it.

Before you buy auto insurance for disabled veterans, keep in mind that as a disabled veteran, you have federal protections and benefits at your fingertips. You should contact your benefits representative for more information on these programs.

In the private sector, USAA or AFI may be your best option, or you may find another local retailer that is right for you. Enter your ZIP code now to see what auto insurance rates for disabled veterans are available in your area.

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