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The top car insurance companies provide the cheapest car insurance for people in the Military.
How will you start seeking a car insurance provider with veterans in mind? We looked at over a dozen car insurance companies to see which ones offer the best coverage and savings for military personnel.
Key Takeaways
- USAA provides the best auto insurance for veterans and active-duty service members.
- USAA auto insurance average annual rates are almost a third lower than the national average.
What is Military Car Insurance?
If you are an active military personnel or a veteran eligible for military car insurance but unsure how military car insurance works, worry no more! We have you covered. Almost all car insurance companies that provide military car insurance schemes are well aware of the nature of duty active military personnel would be exposed to.
Cost of Car Insurance for Military Drivers
The average cost of car insurance for military drivers is $1179 per year. However, this can vary significantly depending on various factors.
Average Rates by Status
| Minimum Premium | Full Coverage | |
|---|---|---|
| Active | $514 | $1719 |
| Active Reserve | $513 | $1719 |
| Inactive Reserve | $513 | $1719 |
| Pre-Commissioned Officer | $513 | $1719 |
| Retired | $513 | $1719 |
| Separated | $509 | $1727 |
Average Rates for Military and Non-Military Drivers
The average cost of car insurance for military drivers is lower than for non-military drivers. The average cost of car insurance for military drivers is $1179 per year, while the average cost for non-military drivers is $1557 per year.
Best Car Companies for Military Personnel and Veterans
When it comes to the best car insurance for the Military, it goes without saying that USAA is the runaway winner, with the Armed Forces Insurance providing the best overall insurance schemes for active military members and veterans.
Cheap car insurance for Military & Veterans
Please note that the list is not ranked in any way.
Average Rates by Status
| Car Insurance companies | Average Annual Rate |
|---|---|
| USAA | $501 |
| Allstate | $972 |
| Travelers | $987 |
| State Farm | $822 |
| Nationwide | $591 |
| Farmers | $792 |
| Esurance | $762 |
| Armed Forces Insurance | $510 |
Best Military Car Insurance Comparison
| Car Insurance company | Why go for them |
|---|---|
| USAA | Best Overall |
| Esurance | Best for Active-Duty Military |
| Armed Forces Insurance | Best for Veterans and Retired Military |
Insurance Companies that Offer Military Discounts
Here are some of the cheapest car insurance companies for Military and veterans:
| USAA | Offer various discounts, including a 15% discount for active-duty military members and a 25% discount for veterans |
| State Farm | Offers a military discount of up to 10% |
| Progressive | Offers a military discount of up to 10% |
| Farmers | Offers a military discount of up to 10% |
How Does Classic Military Vehicle Insurance Work?
Leading insurance brands also provide extra benefits for classic military car insurance schemes through financial guides, exclusively for servicemen and women. If you are active military personnel unsure about the military car insurance scheme, contact your insurance agent or insurance company and get a clear picture before committing to the deal.
What Does Classic Military Vehicle Insurance Cover?
Classic military vehicle insurance is a type of insurance that covers classic or antique military vehicles.
Classic military vehicle insurance can provide coverage for a variety of risks, including:
| Collision | Pays for any damage to your vehicle which was caused by a collision with another vehicle |
| Comprehensive | Pays for any damage to your vehicle due to events other than collisions, such as theft, vandalism, and fire. |
| Liability | Pays for the damages you cause to other people or property in an accident. |
| Medical payments | Pays the people injured in an accident their medical expenses, regardless of who is at fault |
| Towing and Labor | Pays for the cost of towing your vehicle and the labor involved in repairing it |
In addition to these standard coverages, classic military vehicle insurance may also include specialized coverages, such as:
| Agreed Value | Pays for the actual value of your vehicle, as agreed upon by you and your insurer, in the event of a total loss. |
| De-militarization | Pays for removing or disabling any military equipment from your vehicle |
| Participation in Events | Pays for repairs to your vehicle if damaged while participating in a military vehicle event, such as a parade or rally |
How Is Car Insurance Different for Military Members and Veterans?
Military car insurance is an insurance policy designed for active members of the Military and veterans. These demographics often have different insurance needs than civilians. Many car insurance rates offer service members and veterans special rates and discounts unavailable to other customers.
How Can Active Military Personnel and Veterans Save Money on Car Insurance?
Here are some easy tips to help you save more on military car insurance:
- f you are on active military duty and deployed abroad or away from home, consider cancelling collision coverage.
- A higher collision and comprehensive insurance coverage deductible lets you save more on premiums.
- If you are an active military personnel, economically, it would be best to go for a car that costs less to insure.
- If you have a teenage driver in your family, go for a family policy instead of a separate insurance policy.
- Bundled policies insured with the same company will offer lower rates than individual military car insurance policies.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
Does the military pay for car insurance?
The Military does not pay for car insurance. Military personnel have to buy their car insurance. However, several companies offer military discount car insurance, which makes it relatively easier to find affordable and flexible insurance.
How much is car insurance for the Military?
Military members can buy cheap car insurance for an annual average cost of $570 from firms like USAA that offer a range of perks. On the other hand, a basic coverage insurance policy from a firm without as many military benefits typically costs roughly $720 per year. However, the insurance cost depends on your state of residence and insurance company.
What car insurance companies give military discounts?
Suppose you are an active military personnel, a veteran, or a National Guard or Reserves member. In that case, several agencies and car insurance companies offer military discount car insurance and special military services. Insurance companies like the USAA, State Farm, Farmers, Kemp, and Liberty Mutual provide military discount car insurance.
What is the best car insurance for the Military?
A few car insurance companies offer great deals to military personnel and their families, like USAA, Allstate, Progressive, Armed Forces Insurance, and Liberty Mutual.
What is the cheapest car insurance for the Military?
Companies such as USAA, Armed Forces Insurance, Progressive, and Liberty Mutual offer cheap car insurance for the Military. Some companies also provide additional discounts and coverage for deployment, car storage, and keeping the vehicle at base camp.
Is USAA car insurance only for the Military?
USAA car insurance offers auto insurance only for the Military. Active duty, former military personnel, and their families can apply for USAA. The insurance covers people now serving in the Military, people who have served in the past, cadets, widows, current spouses, or spouses who have not remarried, and children.
How do you get USAA car insurance without the Military?
Even if you are not directly associated with the Military, you may still be eligible if you are a spouse, parent (including stepparents and legal guardians), or parent-in-law of a military member. If one or both of your parents served in the Military and had a USAA policy, you may be eligible to apply for USAA car insurance for military families.
What insurance is for the Military only?
USAA is one of the best car insurance companies for Military veterans and active personnel. However, several other insurance companies offer discounts and special services for the Military. Armed Forces Insurance is another insurance company dedicated to serving the Military with insurance.
How much is car insurance for active-duty Military?
The cost of insurance depends on your car insurance plan and insurance companies. On average, Military personnel pay about $484 to $1,504 annually for a state minimum liability.
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