Cheap Auto Insurance for Military Personnel

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Joel Ohman
Founder, CFP®

UPDATED: Mar 5, 2020

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Here's what you need to know...
  • If you are in the military, you will find several companies offering special discounts on car insurance
  • Before you commit to a company, shop around to make sure you’ve found the best deal
  • Choose coverage based on what you need, and choose wisely for the needs of your family in the case of deployment

Finding inexpensive military auto insurance is high on the priority list for America’s servicemen and women.

Soldiers and other military personnel have some unique needs when it comes to car insurance and, luckily, most major car insurance providers are ready and willing to accommodate those needs.

As a soldier, finding the best car insurance for you is no different from anyone else; it requires homework.

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The best place to start searching for military auto insurance is with the administrators of your base and with your fellow soldiers. It’s not uncommon for all sorts of businesses to offer discounted prices in partnership with the U.S. Armed Forces.

Car insurance companies may place ads in local newspapers, on bulletin boards, or other places soldiers are known to frequent.

What is military car insurance?


To start, we must define military auto insurance.

Military car insurance is a standard auto policy with a discount given to soldiers; it’s not a special type of auto policy that applies only to military personnel.

In other words, the meat and bones of military policies will be nearly identical to a typical policy, yet with special things inserted to account for military circumstances and with a discounted price.

Your auto insurance will still need to carry the minimum requirements according to the state in which you reside.

The minimums will cover a certain amount of bodily injury, liability, and property damage, and different states have different requirements that are reflected in your premiums.

For example, a soldier living at Ft. Drum in New York will probably pay different rates than a soldier living at Ft. Hood in Texas due to state requirements and fees.

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Are there dedicated military car insurance companies?

While they are few and far in number, there are several financial services institutions in the United States dedicated to meeting the needs of military families.

These companies, like USAA, do what they do because they understand not only the unique requirements of military personnel but also the sacrifice those individuals make for the country.

Several of these companies have even been founded by ex-military personnel.

One of the benefits of procuring your auto insurance from such a car insurance company is the fact that they are intimately familiar with the military’s special requirements.

They also understand the complexities of insuring vehicles at home while soldiers are overseas, how the military paycheck system works, and many of the other things that go into determining how a soldier manages finances.

How do I find the best military car insurance policy?


As you search for military coverage for auto insurance, keep in mind that your primary goal is to find the best policy at the best price.

You don’t need to be locked into one or two companies — or even one that’s dedicated to military personnel — if you find others that give you a better deal.

Go into your search with an open mind and a clear understanding of exactly what it is you’re looking for. Be sure to have all the information you need for a quote so that it can be as accurate as possible.

As for the types of coverage you choose, consider your specific needs in relation to the car you own, where you live, and whether you plan to be deployed overseas.

You may be in a situation where comprehensive coverage is appropriate.

You may also decide that state minimums are all you need because of the low value of the car.

The type of coverage you need depends a lot on your personal circumstances.

One thing you absolutely should do is to make sure your auto insurance coverage is taken care of before any overseas deployment.

If not, it can cause unfortunate circumstances for a spouse left at home.

Furthermore, it’s difficult enough to deal with auto insurance when you’re stateside; trying to deal with it once you’re deployed overseas can be a nightmare.

If all of your auto insurance ducks are in a row before your deployment, you shouldn’t have any issues while you’re out of the country.

Find car insurance quotes from many top companies today using just your ZIP code!

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