Military members, veterans, and their families qualify for some of the best car insurance rates available. USAA offers the lowest rates of any major insurer — but understanding all your options ensures you get the absolute best deal.
USAA — The Best Insurance for Military Families
USAA is exclusively available to current and former US military members, eligible family members, and certain other groups. It consistently earns the highest scores in every insurance satisfaction ranking and offers the lowest rates nationally at an average of $1,022 per year for full coverage versus the national average of $2,004. That is a savings of $982 per year or $82 per month compared to the national average. If you or an immediate family member has served in the US military, USAA should always be your first call for auto insurance.
USAA Deployment and Storage Coverage
USAA offers special programs for deployed military members. If you are deploying overseas and leaving your vehicle in storage, USAA offers a storage endorsement that significantly reduces premiums while your vehicle is not being driven. You can suspend collision and liability coverage while keeping comprehensive to protect against theft or weather damage during storage. USAA also accommodates vehicles stored on military bases and offers guidance for vehicles stored overseas through approved channels.
Geico Military Discount
Geico offers a military discount of up to 15 percent for active duty members, veterans, and their spouses. Geico is not exclusively military like USAA, but its military discount combined with already-competitive base rates makes it a strong alternative for military families who do not qualify for USAA or want comparison pricing. Geico also offers emergency deployment discounts for active duty members and coverage accommodations for international assignments.
Special Situations for Military Drivers
Frequent relocation: Military members PCS frequently and insurance rates vary significantly by state. Always update your address and compare quotes when moving to a new duty station since the same driver can pay $600+ more or less per year depending on the state. Overseas vehicles: Standard US auto insurance does not cover vehicles driven in foreign countries. Members stationed abroad need specialized overseas coverage. Multiple vehicles at different locations: USAA's flexible multi-vehicle options handle complex military family situations better than most insurers.
Other Military-Friendly Insurance Programs
Armed Forces Insurance provides property and auto insurance exclusively to active duty and retired military. 1st Choice International provides overseas auto coverage for military stationed abroad. AAFMAA (American Armed Forces Mutual Aid Association) offers financial products including insurance specifically for military members. For National Guard and Reserve members who do not qualify for USAA, Geico's military discount and State Farm's competitive rates are the next best options.