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Best veterans and military car insurance
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best military car insurance companies
The best car insurance companies for military members and their families are those that recognize the unique challenges of military service. Working with a company that offers military discounts, one that’s familiar with how deployments impact insurance or one that offers specialized customer service to active-duty military and veterans may help drivers save on coverage and adapt their policy to meet their needs. Each of the companies listed below has been assigned a proprietary Bankrate Score on a scale of 0.0 to 5.0 to capture how well it meets its customers’ needs in areas like pricing, coverage, service and discount availability.
Please note that the rates below do not include any military discounts applied. However, you could be paying more or less than the rates presented below (even if you qualify for a military discount) since rates depend on your personal rating factors.
Military auto insurance rates
Bankrate Score
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Founded to provide insurance coverage for government employees, Geico has a long history of providing car insurance tailored for military families, including military-focused discounts. Geico offers a hefty discount of up to 15 percent to eligible military personnel and veterans, including those in the National Guard and Reserves. Geico’s emergency deployment discount may also help military members deployed into imminent danger areas save on their policy if their vehicle is in storage while they’re away. Geico also offers discounts for members of several military-focused associations, including the Armed Forces Benefits Association (AFBA), Navy League of the United States (NLUS) and the Association of the United States Army (AUSA).
| Bankrate Score | 4.3 |
| J.D. Power | 692/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Monthly premium
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USAA is only available to eligible active-duty military members, veterans and their immediate families. It also tied for a 2025 Bankrate Award for the Best Auto Insurance Company Overall. Although J.D. Power does not officially rank USAA due to its strict eligibility requirements, the company consistently earns stellar scores across a variety of metrics, including the 2024 U.S. Auto Insurance Study, where USAA earned the highest customer satisfaction score in every single region. In addition to top-notch service, policyholders may earn military-specific discounts, including up to a 15 percent discount on comprehensive coverage for a car or truck garaged on a military base. Deployed policyholders could also earn up to 60 percent off their car insurance while their vehicle is in storage.
| Bankrate Score | 4.3 |
| J.D. Power | 726/1,000 |
| AM Best Rating | A++ |
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Not available
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Liberty Mutual offers a discount for active-duty, veteran or reserve military members, but its telematics program RightTrack helps it stand out from the crowd. RightTrack is available in most states, and you could save up to 10 percent off your car insurance premium simply by signing up. Once enrolled, the RightTrack mobile app (or plug-in device for those in New York) will monitor your driving habits for 90 days. After the 90-day period, safe drivers could get a discount of up to 30 percent. However, it is important to mention that risky drivers could see a rate increase rather than savings if RightTrack captures poor driving habits.
| Bankrate Score | 4.2 |
| J.D. Power | 717/1,000 |
| AM Best Rating | A |
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Arbella is a small auto insurance company that sells and services its policies through a network of independent agents. Although Arbella is only available in Connecticut, Massachusetts, Rhode Island and New Hampshire, drivers in these states may enjoy the personalized service that a regional company may provide. Local agents might be more in-tune with your market since they also live in the community they serve. Eligible policyholders could earn up to 10 percent with Arbella’s active and deployed military discount. Additionally, the company’s Customer Care Package add-on endorsement could make for a robust policy by adding new car replacement coverage, trip interruption coverage and more.
| Bankrate Score | 3.9 |
| J.D. Power | |
| AM Best Rating | A |
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Farmers might not be the cheapest car insurance for military members, but eligible active-duty, active reserves, veteran and honorably discharged military members could earn Farmers’ affinity discount. Farmers policyholders can also choose from a wide range of coverage options to tailor policies to their specific needs. Some of Farmers’ unique endorsements include original equipment manufacturer (OEM) coverage, spare parts coverage, guaranteed value coverage, new car replacement and full windshield and glass.
| Bankrate Score | 3.8 |
| J.D. Power | 706/1,000 |
| AM Best Rating | A |
Cost of car insurance for veterans and military
Outside of potential discounts from select insurers, military status typically doesn’t have a major impact on the base cost of auto insurance. While many insurance companies take drivers’ occupations into account, it’s a relatively minor rating factor when compared to things like your location, your age or driving experience, the vehicle you’re insuring and your credit history.
In general, veteran or active-duty military drivers shopping for car insurance can expect to find rates similar to the national average cost of car insurance. Military discounts could lower costs by as much as 15 percent for most drivers, although state law in Louisiana requires military discounts of at least 25 percent for all insurers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Car insurance discounts for military drivers
Military car insurance discounts are one of the easiest ways to save on your premium. Those who have served are often eligible for one or more discounts that could reduce your premium by as much as 15 percent. Here are some common discounts that eligible policyholders may be able to take advantage of:
Canceling your car insurance for an upcoming deployment
If you’re preparing for an upcoming deployment, you may need to make some changes to your auto insurance policy to avoid overpaying for coverage you won’t use. If your vehicle will be in storage and not driven during your deployment, you may want to ask your insurer about a storage plan — or find a different company that offers this type of coverage.
Canceling your auto insurance before a deployment could eliminate your insurance bill in the short term, but it comes with significant risks, including higher rates in the future following your coverage lapse. In addition, state laws may require you to maintain coverage on the vehicle even when it’s not being driven.
Some insurance companies that focus on military customers may have unique programs in place to deal with deployments. For instance, if you are a Geico customer, you can suspend or reduce your insurance coverage if you are deployed and store your car for more than 30 days. USAA policyholders can save up to 60 percent on comprehensive coverage for vehicles stored during a deployment, or up to 15 percent for vehicle stored on a military base.
How to reinstate your car insurance after deployment
After you return home from deployment, you should reinstate your car insurance policy before you drive again. Otherwise, you could put yourself at risk for driving uninsured. Most times, you simply need to contact your car insurance company to take your policy off pause.
If you reduced your coverage to save money during deployment, you may want to consider increasing certain coverage types before you start driving. Keep in mind that you must reinstate your insurance before you hit the road if insurance is required in your state. Driving without insurance or proof of financial responsibility is illegal (in most states), and it can come with heavy consequences if you get caught.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
