Car Insurance Discount for Armed Forces

Military discounts on car insurance as high as 25% are common in the US. Save even more with discounts for safe driving, marriage, and education.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 30, 2020

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Here's what you need to know...

  • If you are an active member of the Armed Forces, you should speak to your insurance provider about a discount
  • Your discount and coverage could change if you are deployed overseas or if you enter the reserves
  • You should also speak to your insurance provider about other discounts for which you may be eligible

Members of the armed forces get a ton of discounts on everything from food to mortgage rates. Coincidentally, many enlisted soldiers can also qualify for army car insurance discounts.

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The exact criteria differ slightly for each individual car insurance company, but for the most part, there are a few things that you will need to have in order to get a discount.

Paperwork Necessary to Qualify for Army Car Insurance Discounts

You can be in any branch of the military, but to qualify for a discount on your auto insurance, you will need to supply your insurance company proof of enlistment.

In most situations, you might be able to have your commanding officer make a phone call on your behalf, but for most car insurance companies you will need to supply documentation that lists your name, rank, and the time that you are to be enlisted.

This allows insurance companies to determine how long you will be eligible to receive a military discount.

In addition to supplying your car insurance company with your enlistment paperwork, you will also need to be on active duty to qualify for savings.

This means that people in the reserves or those who are retired from the armed forces will not be able to get this specific type of car insurance discount.

If you are a senior citizen or a full-time student, you will probably be able to qualify for another discount.

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What happens to my army car insurance discount if I am deployed overseas?

In the event of deployment, you will still be able to keep your car insurance discount so long as you maintain some type of car insurance coverage.

If you allow your policy to lapse or cancel it altogether, there is a very good chance that the army car insurance discount will no longer be available to you.

Usually, members of the armed forces and their immediate family will qualify for the army car insurance discount, so if you have a blood relative that is willing to take responsibility for your car while you are away, you can keep your car insured in their name.

If you do want to keep your army discount and you will be driving another vehicle overseas, it may be possible for you to transfer your policy to where you are stationed.

The particulars will depend on:

  • what country you will be serving in
  • the length of your deployment
  • whether your main activities will be on a military base

You can talk to your insurance agent and get more information on how car insurance discounts can be applied to soldiers that are deployed.

How to Get The Biggest Army Car Insurance Discounts Available

The specific amount of money that you will be able to save on your army car insurance will work just like any discount.

For instance, if you have been enlisted for a number of years, have a safe driving record, and drive a car with a relatively low insurance risk factor, you will save more than a newly enlisted single driver with a sports car.

Belonging to military associations, having an account with a military credit union, or even being in a family with enlisted soldiers can increase your savings as well.

Believe it or not, while an army car insurance discount can be significant, insurance companies will usually give you more discounts based on the same factors that they rate civilians with, including:

  • Marital statusMarried people almost always save more on all types of insurance products.
  • Education – The higher your education level, the more money that insurance companies will take off of your policies.
  • Profession – Even in the military, some branches will be considered to be of a higher insurance risk than others.
  • Driving record – Just like civilians, safe drivers with few instances of accidents and tickets will get bigger discounts.
  • Type of car – Although older cars will usually cost less to insure, having a reliable vehicle that doesn’t have a record of many crashes will give you access to the most savings.

While getting a discount on your car insurance for being an enlisted soldier is a small reward, it is just one of the many perks that you will have available to you during the course of your military career.

Make sure that you ask about every discount that you might qualify for in order to get the most out of your insurance coverage.

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