Best Auto Insurance for Active & Retired Military (Rates and Discounts)

Auto insurance for active and retired military members tends to be less than what civilians would pay. Companies recognize that military officials have different lifestyles than the average person. USAA and Geico offer some of the best auto insurance for active and retired military members.

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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: Nov 25, 2021

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What You Should Know

  • You could receive a discount of up to 15% on auto insurance for military active and retired members
  • USAA and GEICO offer the best rates to military members
  • Retired military benefits for dependents through TRICARE For Life are helpful for members and their families

As an active and retired military member, you are eligible for rates and discounts on your auto insurance, including some of the best rates available.

There is no one-size-fits-all for auto insurance– policies depend on several different factors and are unique to each person they’re serving. 

However, insurance companies understand that the specific lifestyles of active and retired military members tend to be much different from that of regular civilians.

When you serve in the military, you are subject to moving to other bases or being deployed overseas. These kinds of life changes can afford you specialized active and retired military auto insurance quotes.

Your military education and rank can affect how much you pay for coverage as well.

Discounts on active and retired military auto insurance rates mean you are one demographic that is likely to find the lowest policies.

Understanding auto insurance can be tricky, but we’re here to help.

Before we jump into the kinds of auto insurance active and retired military members are afforded, enter your ZIP code into our free comparison tool to compare the providers in your area. 

What’s the cost of auto insurance for active and retired military members?

Like we mentioned earlier, the exact cost of auto insurance for anyone is hard to pinpoint because of how policies are determined.

Many factors can affect how much a person pays, including their age, occupation, and where they live. 

How often they drive is another important consideration when it comes to insurance rates. If someone rarely uses their car, they may pay less than someone who drives long commutes every day. 

For active and retired military members, auto insurance rates do not change much depending on your current status. 

They can change depending on your level of education or your military rank, though. For example, as a military officer, you can pay a little bit less each month compared to other members.

All members tend to pay about the same amount, which also applies to whether or not you choose a minimum or full coverage for your insurance.

Auto insurance for veterans can vary depending on which benefits you’re eligible for though. 

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Which companies offer good auto insurance to military active and retired?

Three companies stand out when it comes to offering cheap auto insurance to military active and retired members. They are:

USAA is the most obvious choice for active and retired military members– it stands for United Services Automobile Association.

This company caters exclusively to active and retired military members and tends to have the most competitive pricing among all companies, as well as high customer satisfaction ratings.

Similar to USAA, GEICO began as a company explicitly made to serve government officials. It stands for Government Employees Insurance company. 

They have active and retired military auto insurance quotes that are expansive and affordable.

They even have veterans hired on staff to help facilitate communications. 

Esurance is great for active military members because they allow canceling your car insurance if you become called to duty without any penalty. 

Enter your ZIP code into our free comparison tool to compare the providers in your area. 

What auto insurance discounts are available for active and retired military?

USAA is one of the best insurance companies for military active and retired members because they exist to help service families, but they are not the only option. 

You could also consider switching to GEICO — they offer a 15% auto insurance discount for active and retired military members. 

Esurance doesn’t specifically offer auto discounts for active and retired military members.

Still, as we mentioned earlier, they allow you to cancel your policy if you become called to duty. 

You can also reinstate your insurance once you’re back and ready to drive again.

The only downside to Esurance is that their rates are not as cheap as USAA or GEICO– they tend to be the same as the average national rate.

How to save on active and retired military auto insurance

There are lots of ways you can save on auto insurance as an active or retired military member.

If you are active in the military, you could be eligible for lower rates by parking your vehicle on an armed forces base for work.

They are considered lower-risk places for burglary or damages to occur. 

These companies can also lower your rates if you’re deployed and need to store your car for long periods. A deployment discount can save you upwards of 90% on your standard policy. 

The best part of using USAA or GEICO is that they offer low rates for emergency deployments– they understand the realities of military life and respond quickly when necessary. 

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What retired military benefits for dependents are there?

In addition to cheaper auto insurance for active and retired military members, the retired military benefits for dependents are worth discussing.

If you are a veteran’s dependent, you are entitled to benefits such as healthcare, life insurance, or financial aid for school.

Learn all about which benefits you are eligible for as a veteran survivor or the spouse of someone retired from the military.  

What is TRICARE For Life?

As an active or retired military member, you and your family are eligible for many benefits, discounts, and perks.

TRICARE is one example of this– it is healthcare insurance specially catered to the needs of active military members, retired members, and family members of the deceased. 

How long do you have Tricare after retirement? 

You have 90 days to enroll in a Medicaid TRICARE program after retiring from active military duty. TRICARE For Life is an example of such a program.

There are many different programs in place to accommodate retired members of the military and their families. Learn more about them here

How to find active and retired military insurance rates

Cheaper auto insurance for military active and retired members is one of the biggest financial perks in the insurance industry.

The best way to receive discounts is by reaching out to your provider and asking them directly what you’re eligible for.

You could also consider switching over to companies known to offer affordable active and retired military auto insurance to its members.

Begin by entering your ZIP code into our free comparison tool today to get started comparing quotes in your area.

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