Auto Insurance for the Army (Rates & Discounts)

If you are in the Army, you could be saving money on your auto insurance. Army auto insurances insurance policies can come with multiple discounts, especially with insurance companies like USAA and GEICO. USAA and GEICO typically have the best rates for those in the Army. USAA's average monthly rate is only about $120. Education, rank, and even grades will affect your overall Army car insurance 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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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: Jun 23, 2021

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What You Should Know

  • Many auto insurance companies offer discounts if you are in the Army.
  • Your education and rank both play a role in your auto insurance rates.
  • Cheap Army auto insurance is available whether you are active or retired from the military.

If you’re looking to buy Army auto insurance, you may feel overwhelmed. There are a lot of discounts available for you. However, finding the most affordable rate doesn’t have to be complicated.

Understanding auto insurance makes it a bit simpler to recognize when you are getting a great deal and when you are simply paying too much. With the addition of being a member of the Army and qualifying for discounts, a little research can guide you to the most affordable policies with the right amount of coverage.

Read on to gain some insight into auto insurance for the Army. If you don’t want to wait you can quickly get affordable Army auto insurance quotes by entering your ZIP Code now.

What auto insurance companies give discounts to people in the Army?

While many auto insurance companies provide discounts to people in the military and veterans, not all discounts are created equal. For example, GEICO offers a 15% discount for active military personnel, but State Farm doesn’t offer any military discount at all.

Knowing which auto insurance companies will give you a discount if you are in the Army is a great place to start saving money. Let’s take a look at which companies offer a military discount and who it’s available for.

Auto Insurance Companies That Offer Discounts to Members of the Military & Veterans
Auto Insurance CompanyDiscounts Available to Active Army PersonnelDiscounts Available to Veterans
USAAYesYes
GEICOYesYes
State FarmNoNo
ProgressiveNoNo
American FamilyNo No
Liberty MutualYesYes
NationwideNoNo
FarmersYesYes
AllstateNoNo
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As you can see, not many auto insurance companies offer military discounts. It is important to note when looking for an army insurance policy, that if you live in Louisiana you will get a discount. It’s the only state that requires insurance companies to give a military discount.

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How do education and rank affect auto insurance rates for the Army?

Education can play a role in how much you pay for your auto insurance. However, for the most part, it isn’t going to make a huge difference. GEICO, for example, charges the same rates whether you graduated high school, have an associate’s degree, or other forms of schooling.

So, while you will get a discount from GEICO if you are in the military, your education level isn’t going to impact that rate. It is important to note that you can receive an auto insurance discount for students with good grades.

There is no clear information on how your rank in the military may affect your auto insurance rates. Whether you are new and looking for U.S. Army insurance or you are a high-ranking officer, the military discount you receive will be the same.

What other types of insurance are available with discounts for those in the military?

When you’re in the Army there are several different types of insurance you might need. Many of those policies will come with military discounts. This may have you wondering, “Does my auto insurance company offer other types of insurance for military personnel?”

Even if there is not a specific military discount, bundling your policies with one insurance provider can save you quite a bit of money in the long run. Many companies will offer:

  • Military Life Insurance
  • Road Side Assistance Policies
  • Property Insurance
  • Pet Insurance
  • Travel Insurance

Military health insurance is also available, including VA programs. This is only a quick look at the different insurance products that are available for active Army personnel and veterans.

GEICO and USAA offer the most competitive Army auto insurance rates. J.D. Power ranks GEICO very highly when it comes to customer satisfaction among the general population as well as with members of the Army.

Maybe USAA and GEICO don’t have exactly what you are looking for. If not, you can find Army auto insurance quotes from a variety of companies by entering your ZIP code now.

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