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: May 15, 2020

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Here's what you need to know...

  • Car insurance providers offer coverage discounts based on job occupations
  • Geico offers special discounts to military personnel as well as members of various military organizations
  • Discounts for the military are also available when they are sent on emergency deployments
  • USAA offers everything for military members from insurance to banking and retirement services
  • Military members should always shop around before choosing an insurance provider

It is not uncommon for businesses to offer discounts to active and retired members of the military.

While most car insurance providers such as Geico offer military discounts, there is one car insurance company that is exclusively for military members and their families.

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Geico Military Discount

Geico offers a special discount, not only to members of the military, but to members of specific military organizations as well. These organizations include the following groups:

  • The Association of the United States Army
  • The Enlisted Association of the National Guard of the United States
  • The National Infantry Association
  • The Marine Corps League
  • The Navy Federal Credit Union
  • The National Military Family Association
  • The United States Coast Guard Chief Petty Officers Association
  • The Pentagon Federal Credit Union

Members of these organizations are eligible for a car insurance discount of as much as 15 percent.

This discount is offered to military personnel that are on active duty, members of the National Guard, retired military personnel, and members of the Reserves.

Geico offers additional discounts to military that are sent on emergency deployment. A military member is considered to be on emergency deployment when they are sent to an area that the Department of Defense has classified as an imminent danger area.

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Is USAA insurance really cheaper?

USAA is a special insurance company and bank that exclusively serves members of the military and their families. USAA was founded in 1922 in Texas by 25 Army officers.

Almost 90 years later, USAA serves more than eight million military members and their families.

To be eligible for a USAA policy, the member has to be either an active, honorably discharged, or retired member of the United States Armed Forces.

People that are part of military programs like ROTC and military academies such as West Point are also eligible for membership.

The adult children, spouses, former spouses, widows or widowers of military personnel are all eligible for USAA services.

USAA offers the following services at lower rates than civilian options:

  • Insurance
  • Banking
  • Investment
  • Retirement
  • Real estate
  • Shopping services

USAA offers car, property, and life insurance products. USAA car insurance offers savings of up to $450 off the national average.

Along with this lower rate, USAA also offers other car insurance discounts like the following:

  • Multi-policy discounts
  • Good student discounts
  • Safe driver discounts
  • Multi-car discounts

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Additional USAA Services

USAA offers extensive property insurance policies that include:

  • Homeowners insurance
  • Renters insurance
  • Flood insurance
  • Rental home insurance
  • Condo insurance
  • Mobile home insurance
  • Farm and ranch insurance
  • Collectibles insurance
  • Valuable personal property insurance

USAA also offers insurance for vehicles other than typical cars such as mopeds and ATVs.

USAA offers specialty insurance products like umbrella insurance, special events insurance, business insurance, travel insurance, and bonds both personal and commercial.

Additionally, there are multiple life and health insurance options available through USAA.

Level term, military term, whole life, and universal life are the types of life insurance available. Medicare services, long-term care insurance, and annuities are also offered through USAA.

USAA operates as a full-service company to its members by also offering the following services:

  • Checking accounts
  • Savings accounts
  • Certificates of deposits
  • Mortgages
  • Credit cards
  • Home equity loans
  • Car and personal loans
  • Loans for motorcycles, boats, and RVs
  • Banking services for youth and college-age members

Military Members and Insurance Providers

When a military member is looking for a new insurance company, there are a lot of factors to consider. It is important to focus on the coverage being purchased not just the cost.

Even if the rates are low, if not enough coverage is included, it could cost the policyholder more in the long run.

It is also very important to make sure to find a respectable company. To check the financial stability of an insurance company the policyholder can go to the website for A.M. Best Company.

Compare car insurance rates by entering your ZIP in the box below!