Top Car Insurance Companies for Military Personnel and Veterans: Tailored Coverage and Discounts

For military personnel and veterans, car insurance can be an important financial protection to have. However, finding the right car insurance company can be a challenge, given the unique circumstances that military personnel and veterans may face. They may be deployed overseas for extended periods, move frequently due to changes in station or residence, or have specific needs related to their service.

Fortunately, there are car insurance companies that specialize in serving military personnel and veterans, offering tailored coverage options and discounts. In this article, we will explore some of the best car insurance companies for military personnel and veterans, taking into account factors such as customer service, coverage options, and discounts.

Whether you are currently serving, retired, or a veteran, there is sure to be a car insurance company on this list that meets your needs and budget.

The fact that so many businesses want to recognize your service to your country by giving you discounts is one of the advantages of doing so. The best-rated vehicle insurance providers are renowned for their commitment to offering military personnel and retirees affordable auto insurance prices.

We’ll discuss a few of these insurers in this article to assist you in selecting which would be the ideal choices for you.

Which military auto insurance provider is the best?

Overall, USAA, a business that serves military personnel and their families, offers the finest auto insurance for military personnel. In addition to having the lowest rates overall, USAA also has some of the greatest customer satisfaction scores in the industry.

Although while USAA receives high marks from most consumers, the insurer that suits a particular person’s needs may vary depending on factors like whether they are deployed or retired.

Several top-name auto insurers offer a military discount — including Liberty Mutual and Farmers — but here are our top four picks:

Best Car Insurance Companies for Military Personnel & Veterans

  • USAA: Best for military discounts and low rates
  • Armed Forces Insurance: Best for veterans or retired service members
  • Esurance: Best for active-duty military members
  • Geico: Best alternative when rate shopping


Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.

The big name in military insurers, USAA has been covering automobiles since 1922 when 25 Army officers joined together to insure each other’s vehicles. 

Across the board, USAA cleans up. Not only do they offer the lowest rates, but according to J.D. Power, the company ranks as one of the top three insurers for customer satisfaction. In addition, Moody’s gives USAA a financial strength rating of AAA. 

To be eligible for USAA auto insurance, a customer must:

  • Currently serve in the Army, U.S. Air Force, Coast Guard, Marines, Navy, National Guard, or Reserves
  • Be retired or honorably discharged from the military 
  • Be the current spouse, widow, widower, or un-remarried former spouse of a USAA member
  • Be the child of a USAA member 
  • Be a cadet or midshipman at a U.S service academy, affiliated preparatory school, an officer candidate within 24 months of commission, in advanced ROTC, or on an ROTC scholarship

Armed Forces Insurance

Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.

Armed Forces Insurance (AFI) was founded in 1887 — 22 years after the end of the Civil War and 27 years before the beginning of the first World War. At the time of their founding, gasoline-injected carburetors had just been patented, giving AFI time to establish themselves as a competitively priced property and casualty insurance company before branching into auto coverage. 

We chose AFI as the best auto insurer for veterans or retired service members because of the unique resources they offer members. While eligibility criteria to join AFI is similar to that of USAA, their benefits include:

  • PTSD card: AFI provides members who have post-traumatic stress disorder (PTSD) a card to carry with them and hand to someone when their PTSD is triggered. For example, a veteran might be at a sporting event and startled by unexpected fireworks or low-flying jets. If the sounds or sights trigger that veteran’s PTSD, they may not be in any condition to explain their discomfort. Instead, they can hand the card to someone nearby, who will hopefully help. PTSD can strike anytime, including on an airplane, when stopped by the police, or smelling an aroma that transports their mind to another, more frightening place. Knowing that they have a card that explains their situation may offer a bit of comfort. 
  • Fraud protection: AFI members receive free fraud advocacy services. While fraud protection is good for people of any age, it can be particularly beneficial as aging retirees find themselves in new situations. 

To be eligible to join AFI, an individual must be:

  • Active duty, retired, or honorably discharged from the military 
  • An active or retired Department of Defense civilian employee
  • A Merchant Marine or ROTC cadet
  • The child of a current or former member of AFI
  • The spouse, widow, or widower of an active duty, retired, or honorably discharged member of the military
  • An active, retired, or former NOAA or PHS commissioned officer
  • The former spouse of an AFI member


Our evaluations follow a 5-star system. Best rating is 5 stars. 4 ratings is considered Good. Three stars are good. Fair receives two stars. Poor receives one star.

Most military personnel continue to have auto insurance while they are deployed, even if their car is parked in a garage for months at a time. While some military personnel may worry that they won’t have coverage in the event that their garage collapses or another unforeseen calamity occurs, the majority are aware of the financial consequences of letting their insurance lapse for whatever reason.

We like Esurance because it gives military personnel the freedom to cancel and reactivate their auto insurance contracts without incurring any fees. Esurance is an Allstate company. They also won’t have to worry about their rates going up with Esurance if there is a coverage gap. Military service personnel who take advantage of just this benefit might annually save hundreds of dollars.


Our evaluations follow a 5-star system. Best rating is 5 stars. 4 ratings is considered Good. Three stars are good. Fair receives two stars. Poor receives one star.

Geico and USAA are direct rivals. Veterans and their families can get military auto insurance from both firms at prices that are far lower than the national average. In actuality, Geico provides a 15% military discount. In addition to being less expensive than most, Geico consistently receives top marks from J.D. Power for its customer service. Geico’s user-friendly website and mobile app, as well as how swiftly the business responds to clients, will appeal to IT enthusiasts. 

What car insurance companies give military discounts?

Here’s a list of companies we’ve found currently offering special discounts to members of the military:

  • USAA
  • Geico
  • Esurance
  • Liberty Mutual
  • Farmers
  • Armed Forces Insurance

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