Affordable Auto Insurance Quotes for Disabled Veterans (2023)
The best auto insurance for disabled veterans may come from a company discount or a specialized insurer. USAA, which only serves military members, advertises significantly lower rates compared to other nationwide providers. Other companies offer up to 25% discounts for disabled veterans auto insurance policies, but specialty driving equipment may raise rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
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UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Many companies across the nation offer military discounts
- Veterans can find specialized programs for all their insurance needs
- The government offers assistance to cover the cost of car modifications for disabled veterans
Whether you just returned from deployment or have been out of the service for a while, veterans have great coverage options. Auto insurance for disabled veterans can be affordable and hassle-free to find.
Follow this guide to learn about the best auto insurance companies and other tips for finding affordable auto insurance for disabled veterans.
If you’re ready to start comparing disabled veteran auto insurance rates, use our free tool to get started. Enter your ZIP code to find affordable auto insurance quotes for disabled veterans in your area.
What is the best auto insurance for disabled veterans?
Not every company offers a military discount, but the options available can help disabled veterans pay up to 50% less for car insurance.
The average driver can expect to pay around $1,200 per year for car insurance, but for anyone in the military or who has previously served, USAA will likely offer the best rates for auto insurance policies.
If you don’t want to sign with USAA, Geico offers a favorable discount to veterans. However, Esurance and Safe Auto will offer the best savings for veterans.
Can I get discounts on auto insurance for disabled veterans?
Several nationally recognized providers offer discounts to military personnel. Some offer a significant chunk off for your service, while some offer a nominal percent.
What auto insurance companies offer military members car insurance discounts? Check out the table below for disabled veteran’s auto insurance company discount options:
| Company | Percentage |
|---|---|
| Allstate | N/A |
| Esurance | 25% |
| Farmers | ✓ |
| Geico | 15% |
| Liberty Mutual | 4% |
| MetLife | 15% |
| Safe Auto | 25% |
| Safeco | N/A |
| State Farm | N/A |
| The General | N/A |
| USAA | N/A |
Members of AARP know that the benefits are endless when you sign up. But if you’re a disabled veteran, AARP savings are next level:
- AARP veteran members can receive discounts between 10-25% at car part retailers like Jiffy Lube, O’Reilly Auto Parts, and Advanced Auto Parts.
- Active duty, National Reserves, and veterans can get an additional 15% discount on Geico insurance through AARP.
- Current and former service members receive $500 off a lease or purchase of a vehicle.
Some of the best discounts and auto insurance policies geared toward veterans are from USAA.
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Are there private insurers that sell only to service members?
There are a couple of companies that cater exclusively to current and former members of the military. These companies operate like standard auto insurance providers. However, they cater to the specialty needs of service members.
USAA has been serving current and former military members and their families for nearly 100 years. The company offers auto and home insurance in addition to other financial services.
Armed Forces Insurance has been around for a little longer. Since 1887, the company has sought to protect the property and safety of those in the armed forces.
USAA Auto Insurance
According to the company, the average member pays $450 less on auto insurance than a driver with another provider. When compared to national providers, USAA’s rates are 34% lower on average.
USAA disabled veterans discount benefits can be found in the table below:
| Discount Type | Discount Available |
|---|---|
| Anti-lock brakes | Yes |
| Anti-theft | Yes |
| Claim free | Yes - 12% |
| Daytime running lights | Yes |
| Defensive driver | Yes - 3% |
| Distant student | Yes |
| Driver's ed | Yes - 3% |
| Driving device/app | Yes - 5% |
| Early signing | Yes - 12% |
| Family legacy | Yes - 10% |
| Garaging/storing | Yes - 90% |
| Good student | Yes - 3% |
| Low mileage | Yes |
| Loyalty | Yes |
| Married | Yes |
| Military | Yes |
| Military garaging | Yes - 15% |
| Multiple policies | Yes |
| Multiple vehicles | Yes |
| Newer vehicle | Yes - 12% |
| Occasional operator | Yes |
| Paperless/auto billing | Yes - 3% |
| Passive restraint | Yes |
| Safe driver | Yes - 12% |
| Senior driver | Yes |
| Vehicle recovery | Yes |
| VIN etching | Yes |
| Young driver | Yes - 75% |
The company also offers discounts to auto insurance policyholders. These savings include safe driving, student, and family discounts.
Armed Forces Insurance
Armed Forces Insurance is highly rated among customers. However, its public information on rates is limited. AFI is available in every state and has accolades from customers for best serving disabled veterans or retired military members.
Unlike USAA, AFI does not offer any additional discounts to its members. The company site claims to offer competitive rates based on driving record, enrolling in bundle policies, and more.
If neither of these military-focused companies suits you, there are other discounts and programs available. Disabled veterans are eligible to save hundreds on auto insurance with many different providers.
What are other ways to save on auto insurance for disabled veterans?
In addition to military-specific discounts, disabled veterans can also take advantage of cost-effective programs. Many companies have lists of deals that policyholders can take advantage of, and the best way to learn about your options is to ask a provider.
There are also tailored auto insurance programs that use telematics to measure your driving and produce discounted rates. If you’re a disabled veteran that doesn’t drive that much or is a very cautious driver, these usage-based programs may be a good fit.
Learn more about telematics with our guide: Can telematics help save money on auto insurance?
Other ways veterans can save money on car insurance can be as simple as re-evaluating their needs. Maybe you’re using one car more than the other, or you can downgrade to a smaller, safer vehicle. These tweaks could lower your annual policy rates and help you save money on car insurance for disabled veterans.
Do car modifications affect auto insurance rates for disabled veterans?
When it comes to auto insurance for disabled drivers, companies are limited in what they can charge simply based on a disability.
Under the Americans with Disabilities Act, insurance companies can’t target people for their disabilities. However, there are some pieces to the driving puzzle that aren’t included in the ADA.
An insurance company may charge drivers additional fees for insuring special driving equipment. Common equipment used to modify vehicles for disabled veterans and passengers include:
- Amputee rings
- Automatic doors
- Hand controls
- Keyless entry/ignition
- Pedal extensions
Your disability may impact your auto insurance rates when your medical condition poses a safety risk on the road. Your doctor will report any risk that your disability poses, and the DMV will display this information on your ID.
Auto Insurance for Disabled Veterans: The Bottom Line
If you served in the military, you should have no problem finding affordable auto insurance. Disabled veterans auto insurance is readily available to anyone who wants it.
Before you buy auto insurance for disabled veterans, keep in mind that as a disabled veteran, you have federal protections and benefits at your fingertips. You should contact your benefits representative for more information on these programs.
In the private sector, USAA or AFI may be your best option, or you may find another local retailer that is right for you. Enter your ZIP code now to see what auto insurance rates for disabled veterans are available in your area.
Frequently Asked Questions
How can I lower my auto insurance rates as a disabled veteran?
Besides discounts and programs, there are several other ways to potentially lower your auto insurance rates. These include maintaining a clean driving record, opting for higher deductibles, reducing coverage on older vehicles, and inquiring about any available loyalty or safe driver discounts.
Can I bundle my auto insurance with other insurance policies for additional savings?
Yes, many insurance companies offer bundling options, allowing you to combine your auto insurance with other policies such as home insurance or renters insurance. Bundling policies can often result in additional savings.
Can I add a caregiver or family member to my auto insurance policy?
Yes, you can typically add a caregiver or family member to your auto insurance policy as an additional driver. This can be beneficial if they assist you with driving or use your vehicle on occasion.
What documents do I need to provide when applying for auto insurance as a disabled veteran?
When applying for auto insurance, you may be asked to provide documents such as your driver’s license, vehicle registration, proof of military service, and any relevant medical documentation related to your disability.
Can I transfer my auto insurance coverage if I switch companies as a disabled veteran?
Yes, it is generally possible to transfer your auto insurance coverage when you switch companies. However, it’s important to check with your current insurer and the new insurer to understand the process and any potential requirements.
What is the best auto insurance for disabled veterans?
Disabled veterans can find the best auto insurance rates through USAA, which offers significantly lower rates compared to other nationwide providers. Geico, Esurance, and Safe Auto also provide favorable discounts for veterans.
Compare over 200 auto insurance companies at once!
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.