What Are the Best Auto Insurance Companies for Veterans and Military Personnel?

The top five best auto insurance companies for veterans and military personnel are USAA, GEICO, Armed Forces Insurance, Allstate, and Nationwide. The best car insurance companies for veterans will cater to the needs of military personnel and their families while offering major military auto insurance discounts. Many major auto insurance providers do not offer military discounts for car insurance, so we recommend seeking coverage with this list of auto insurance companies for veterans and military personnel. Compare auto insurance quotes before you by with our free tool below.

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

Full Bio →

Written by

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...

Full Bio →

Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 28, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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.

Those who have served our country may enjoy special discounted insurance rates. A growing number of car insurance companies across the United States offer military discounts.

From well-known military-oriented car insurance companies like USAA to nationwide giants like GEICO, America’s top car insurance companies offer competitive plans for veterans. Today, we’re explaining everything you need to know about the best car insurance companies for veterans and military personnel.


best car insurance for military and vetsUSAA tends to be the best car insurance option for veterans, military personnel, and their families. In fact, USAA car insurance is only available to veterans, military personnel, and their families. Countrywide, USAA tends to offer the best value car insurance to military personnel and their families. Put simply, USAA offers more car insurance for less money than many of its competitors.

But it’s not just the low-cost premiums that make USAA great; USAA also offers special policies catered specifically to the needs of military personnel. Actively deployed military personnel can access special discount rates on car insurance when overseas, for example, and USAA offers discounts when you park your car on a military base (or another safe location) while deployed.

Another advantage of USAA is its customer satisfaction. USAA routinely ranks among the best car insurance companies in the United States for customer satisfaction, handling claims efficiently across the country.

Thanks to these policies and valuable plans, USAA remains one of the best car insurance companies in the United States for veterans and military personnel. The popular insurance company offers rates that are up to 30% lower than other major nationwide insurance providers, making it one of the best options for active duty military and veterans.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption


USAA is often the cheapest option for military personnel and veterans. GEICO, however, tends to be USAA’s closest competitor for military personnel and veterans. GEICO offers premiums that are very similar to USAA, helping veterans and military personnel enjoy full coverage car insurance without breaking the bank.

There’s a reason GEICO offers discount rates to military personnel: the insurance company was originally built to serve government employees and military personnel. GEICO stands for “Government Employees Insurance Company.” Whether you’re a government employee or a member of the military, you can enjoy discount rates on good car insurance by working with GEICO.

Generally, GEICO offers a 15% discount to military personnel and veterans. There’s an additional 15% discount for those who are active duty military in the Army, Navy, Air Force, Marines, or Coast Guard. Due to these savings, some military personnel and veterans find that GEICO offers the best rates and value overall.

To qualify for GEICO’s military discounts as a veteran, you need to be a member of the Association of the U.S. Army (AUSA), the Fleet Reserve Association (FRA), or the National Infantry Association (NIA).

One area where GEICO offers weaker coverage than USAA is for deployed soldiers. USAA can reduce your auto insurance premiums by as much as 50% when you’re deployed overseas. GEICO, meanwhile, only reduces premiums by 25% for deployed soldiers. Additionally, discount rates are only available to active duty military deployed to an “imminent danger pay” area as defined by the Department of Defense.

Ultimately, if you are actively deployed or about to be actively deployed, then USAA offers an advantage over GEICO when it comes to car insurance for military personnel. Generally, however, both USAA and GEICO are very competitive at providing good car insurance at reasonable prices to military personnel, veterans, and their families.

Armed Forces Insurance

Armed Forces Insurance works in a similar way to USAA. Armed Forces Insurance (AFI), offers coverage for active duty military, veterans, and their immediate families – similar to USAA. In some cases, you might be able to get better car insurance at a cheaper price through Armed Forces Insurance. Generally, prices are very competitive between AFI and USAA for active duty military, veterans, and their families.


Allstate does not offer a specific discount for military veterans. However, the insurance company tends to offer competitive rates for military personnel and veterans. Veterans and military personnel who buy car insurance from Allstate tend to pay slightly lower rates than Allstate customers working in other professions.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption


Nationwide is one of America’s largest car insurance companies. Many veterans and military personnel report receiving discount rates through Nationwide. Studies have shown that Nationwide charges slightly lower rates to military personnel than those in other professions, making Nationwide an attractive choice for active duty military and veterans – especially if you’re bundling other policies together or taking advantage of other Nationwide insurance discounts.

State Farm

State Farm is America’s largest car insurance company, so it makes sense that the insurance giant would offer competitive rates to veterans and military personnel across the country. Although State Farm does not offer specific military discounts or deployment discounts to veterans and military personnel, the company does offer competitive rates and good-value car insurance across the country.


Farmers is another massive car insurance company available across the United States. Veterans and military personnel may be able to access more competitive rates with Farmers than they would with other companies, although premiums can vary widely depending on where you are based.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption


Progressive offers competitive premiums in all 50 states, helping veterans and military personnel access lower rates on car insurance wherever they’re located or based. Bundling discounts can reduce the price of Progressive car insurance even further, helping veterans and military personnel maximize car insurance savings.


Esurance has built a name as a discount car insurance provider that offers many of the same features found on higher-priced policies. In some states and on some bases, Esurance is able to compete with car insurance companies listed above while offering preferential rates to military veterans and active duty military personnel.


Available exclusively in New England, Arbella is a small car insurance company known for offering a 10% discount for active duty military. The main requirement of this discount is that you need to need to be deployed more than 100 miles away from your vehicle.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Many Major Car Insurance Companies Do Not Offer Specific Military Discounts

Surprisingly, most of the nation’s top car insurance companies do not offer military discounts. That’s because most military personnel and veterans flock towards USAA, AFI, or GEICO, all of which offer very competitive car insurance policies to veterans. While these three companies absorb most of the business from military personnel and their families, other insurance companies avoid offering specific military discounts.

While major nationwide car insurance companies may not offer specific discounts to veterans, they do offer other discounts applicable to military personnel and veterans, including:

Generally, the best car insurance companies for veterans tend to be the first two giants on our list: USAA and GEICO, both of which offer competitive premiums to veterans, military personnel, and their families. However, we recommend comparing car insurance quotes online today to find the best option for your unique budget and lifestyle.

Are you looking for free insurance quotes?

Your one-stop online Car Insurance guide. Get a Free Quote Now!

(855) 898-5028