UPDATED: Mar 13, 2020
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Veterans are entitled to special discounts on auto insurance. Most major insurance companies in the United States offer lower insurance prices to veterans who have been honorably discharged from the military.
Some veteran discounts are basic. Some companies might offer a 5 or 15% discount to veterans, for example. Other companies, however, offer comprehensive car insurance packages for veterans comparable to those offered by the VFW through 21st Century Insurance.
The secret to finding good auto insurance for veterans is to compare as many quotes as possible. Not all insurance companies treat veterans equally. Some are more veteran-friendly than others. Use our auto insurance comparison tool to find the best car insurance for veterans: just enter your ZIP code at the top of this page to get started.
Alternatively, keep reading to discover everything you need to know about getting cheap auto insurance for veterans.
Active Military Personnel Can Access Special Car Insurance Rates
First, let’s talk about car insurance for active duty US military. If you’re active duty military, then you have unique insurance requirements. You might be deployed overseas, for example, and leave your car at home. Alternatively, you might be deployed overseas or to another state and bring your car with you.
With traditional car insurance, all of these things can quickly get complicated. Fortunately, some insurance companies specialize in dealing with military personnel. These car insurance companies may be specially equipped to handle the unique circumstances faced by active duty military.
Some insurance companies will give you a significant discount on car insurance when it’s parked at a military base, for example. Other insurance companies make it easy to pause your policy while you’re deployed overseas, assuming the vehicle is in a secure location.
How Much of a Discount Can Veterans Expect?
Major nationwide insurance companies like GEICO offer discounts of up to 15% to active military and veterans.
GEICO tends to be more veteran-friendly than other insurance companies. As you may know, GEICO stands for “Government Employees Insurance Company”. As a veteran, you’re a former employee of the US government, so it makes sense that GEICO is particularly friendly towards active and retired US military.
Generally speaking, you can expect to receive a discount of 10 to 15% on car insurance as a veteran.
Consider USAA for Auto Insurance for Veterans
USAA is one of the most popular insurance options for active military personnel and veterans.
USAA is available to active, retired, and honorably-separated military officers and enlisted personnel across the country.
USAA typically offers some of the best auto insurance prices in the country – if you qualify for membership. You may be able to save 10 to 15% off the cost of car insurance when you apply through USAA.
However, USAA offers additional discounts that can make it particularly attractive to active and retired military personnel, including:
- Up to 15% off when you park your vehicle on a military base
- Up to 90% discount for deployed active military members if your car is stored in a secure location
If you’re deploying overseas and leaving your vehicle at home, for example, then you may be able to save a significant amount on car insurance simply by leaving your car in a locked garage. Your car is still protected against certain types of damage – like a garage fire or theft – but you’re paying significantly less for insurance.
Consider Getting Car Insurance Through the VFW
The Veterans of Foreign Wars (VFW) provides car insurance coverage through a third party company called 21st Century Insurance.
Just like USAA car insurance, VFW car insurance can provide significant benefits to veterans. You might be able to access lower rates than you would from a traditional car insurance company.
Some Insurance Companies Place Veteran Drivers in a Lower Risk Class
You might think insurance companies provide insurance discounts out of the goodness of their hearts.
However, there’s some evidence that veterans have lower claim rates than ordinary drivers. The data car insurance companies use to determine one’s risk often shows that veterans retain their disciplined lifestyle even after their service is over.
That means veterans are less likely to engage in risky activities – like drunk driving or speeding. It also means veterans are likely to be safe, low-risk drivers on the road.
Ultimately, if you’re a veteran with a good, clean driving record, then you should be able to access some excellent rates on car insurance.
Your Discounted Veterans Auto Insurance Coverage Might Extend to your Entire Family
One of the nice things about auto insurance for veterans is that your low rates might extend to your entire household.
When you get an auto insurance policy, that policy typically covers all eligible drivers in your household. That means your whole family can be protected for the same discount rate.
Veteran drivers can add other cars to their policy as well. You might bundle your spouse’s policy with your veteran’s car insurance policy, for example, to save money. You still list your spouse as the primary driver while both of you pay cheaper rates for car insurance.
How to Qualify for a Veterans Discount
Typically, qualifying for a veterans discount on auto insurance is straightforward. It starts by entering your ZIP code into auto insurance comparison forms.
Many comparison forms have a simple box you can tick to declare whether or not you’re a veteran or active military. This doesn’t guarantee you access to a veteran’s car insurance discount; instead, it lets you see prices that a veteran would pay for car insurance. To actually qualify for those rates, you’ll need to prove that you served in the military.
To prove you served in the military, you can provide your VA Veterans Identification Card (VIC). Alternatively, some states offer veterans designations on your drivers’ license or ID card.
If neither of these options is available, then proof of service letters are also available through the VA/DoD websites.
Conclusion: Virtually Every Insurance Company Offers a Discount for Veterans
Virtually all large and small insurance companies in the United States offer some type of discount for veterans. After all, you earned it. Some companies offer small discounts, while others offer valuable, comprehensive packages for veterans. By comparing auto insurance quotes today, you can ensure you’re getting the best possible rate on auto insurance for veterans.