Auto Insurance for the Air Force (Rates & Discounts)

If you're a member of the U.S. Air Force, chances are you'll be able to find good deals on auto insurance. Insurance companies generally view being in the military as a low-risk profession, and will charge lower rates than they do for other careers. Typically, your rates will decrease as your military rank increases, and whether you have a college degree or not doesn't usually affect them. Most companies will offer discounted rates to veterans.

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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: May 11, 2021

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What You Should Know

  • If you are in the Air Force, you may be eligible for lower auto insurance rates.
  • Car insurance companies view being in the Air Force as a low-risk occupation, and will charge lower rates than they would for other careers.
  • Generally, your car insurance rates decrease as your military rank increases.
  • Whether you possess a college education or not will not affect your insurance rates.
  • Some insurance companies offer additional discounts to Air Force veterans.

If you are serving in a branch of the U.S. military, such as the Air Force, there’s a chance you may qualify for lower auto insurance rates. Why is this?

The answer will become clearer the more you understand auto insurance. Reading this article will help you get a better handle on understanding how being in the Air Force can affect your insurance rates.

If you’re ready to find affordable Air Force auto insurance, enter your ZIP code into our free rate comparison tool and start comparing military auto insurance rates today.

Does being in the Air Force affect auto insurance rates?

If you are an active member of the Air Force, you are potentially eligible for lower insurance rates. You may also qualify for further discounts if you are a veteran. 

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Why does being in the military affect your auto insurance rates?

If you are in the military in general, car insurance companies will believe you to be a responsible and disciplined person. Because of this, they assume you are also a safe driver and will therefore be a lower risk to insure. 

As was noted earlier, you may also be eligible for further discounts based on your rank within the Air Force, as well as various good driver discounts and more. 

Does your rank in the Air Force affect your auto insurance rates?

Typically, members of the Air Force, as well as the military in general, will pay lower auto insurance rates as they increase in rank. For GEICO, an enlisted airman (rank E1-E4) will pay more than a staff sergeant (E5). The lowest-ranking officers (O1) usually pay lower rates than the enlisted. 

Military RankMonthly Auto Insurance Rate (GEICO)
Airman Basic (E1)152.57
Airman (E2)152.57
Airman First Class (E3)152.57
Senior Airman (E4)152.57
Staff Sergeant (E5)145.85
Second Lieutenant (O1)139.47
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Do car insurance rates change for Air Force members without a college degree?

In general, Air Force members with the same rank pay the same insurance rates, regardless of education level. 

This is not the case for every profession, however. Some insurance companies offer lower rates based on education level, a practice that some people view as discriminatory. In the same vein, the ethics of offering different rates to different occupations has also been called into question.

Groups in certain states, like the California Department of Insurance in California, are attempting to change the laws to prevent this practice. 

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Do insurance companies offer discounts to military veterans? 

Some insurance companies will offer additional discounts to Air Force veterans. For example, GEICO offers an additional 15% off for retired military personnel. 

Are there other discounts and benefits available for Air Force members?

In general, being in the military comes with a lot of perks. Air Force benefits include cheap medical and life insurance, paid vacation, housing stipends and generous retirement funds. 

Auto Insurance for the Air Force: The Bottom Line

Insurance companies will usually offer lowered car insurance rates to members of the Air Force due to the low-risk nature of their occupation.

These rates can change based on your rank in the Air Force, but will not be affected by your education level. If you are retired, chances are you might be eligible for even more discounted rates.

The best way to figure out if there are additional discounts on Air Force auto insurance rates is to simply look around. You can do that by entering your ZIP code in our free tool to start comparing Air Force auto insurance quotes right now.

References:

  1. http://www.insurance.ca.gov/0400-news/0100-press-releases/2019/release101-19.cfm
  2. https://www.airforce.com/careers/pay-and-benefits

 

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