Where to Look for Military Car Insurance Quotes

The average military car insurance quotes are $256.14/mo with Geico and 207.45/mo with USAA before discounts. The average discount for military car insurance quotes is 40%.

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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: Jan 22, 2021

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Here's what you need to know...

Military service members often face a wide variety of financial challenges throughout their careers. Looking for ways to save money each month can be stressful.

Most individuals — including those in the military — would appreciate lower insurance rates. By comparing multiple car insurance quotes, you can greatly reduce your car insurance costs.

Enter your ZIP code above to find cheap car insurance rates in your area today!

The Importance of Car Insurance

Adequate coverage is essential for covering accidents and unexpected damages that may occur.

Transportation is one area in the budget where some price cuts are possible. Saving on gas or auto loan payments is not always possible, but paying less for car insurance may be.

Specialized insurance companies exist throughout the country.

It is common for larger insurance companies to have exclusive departments that service certain groups of people who work for specific employers. One of the largest employers is the United States government.

These companies show their support to the nation’s military members by offering a special promotional rate for a flat discount on their insurance policy.

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Shopping for Car Insurance Online

Choose online quotes that clearly state that a military discount is provided.

There are many companies that advertise directly to members of the armed services online.

You should avoid websites that look general and do not have any text or pictures that disclose what types of discounts are available. Not all insurance companies extend discounts to the military.

These websites are special with regard to the market that they cater to and are not hard to find online.

Creating a lower rate usually involves answering all the questions and filling out all the information within the quote accurately.

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Pay special attention to any questions that are asked about the current duty station location or the type of service that the military member is enrolled in.

Try to have all identifying information for each person that will be on the policy available, such as:

  • Driver’s license numbers
  • Birth dates
  • Current addresses

If members of the family are not in the same geographic location, having the correct addresses is helpful when it is time to send out insurance cards.

Vehicles that are not driven often still need some coverage. This applies when a service member who is the main driver is deployed.

Online Car Insurance Quotes

After a quote is completed, the results are usually sent to a valid e-mail address.

The best way to ensure that the quoted price is accurate is to do the best job possible when providing information. Sometimes there are unknowns at the time of the quote that may make the price more expensive.

Family members that are on the policy that may have had recent traffic ticket, driving under the influence citations, or ticket for not having insurance will make the quoted price more expensive.

It may take the company a week or so to do a background check on each person on the policy.

Searching online directly with companies that choose to work with military service members is the best way to save on monthly insurance costs. Some insurance companies may ask for a valid copy of the service member’s identification card for the policies being issued.

Other companies may waive this piece of information in exchange for providing the unit or battalion information for the service member.

Active duty and retiree discounts may be available through online quotes.

Most online quotes will specify if discounts are given to retirees. Pay attention to live chat boxes or contact the customer service telephone number if the quote does not specify.

After a company has been found that offers a low rate, take action, and secure the policy. Some quotes do expire after a certain amount of time has passed.

While the policy is becoming active consider paying the entire policy at once if an additional discount is given. Paying monthly is usually always an option, but it may cost a few  additional dollars to stretch out the payments.

Some companies will require that a credit or debit card is given as a payment method if it is not paid in full.

Requesting the withdrawals close to or on scheduled pay dates is one way to avoid late fees.

Spend a few minutes online requesting a military car insurance quote. This small investment of time can result in saving hundreds of dollars annually. Use these tips to find the best military car insurance rates online.

Enter your ZIP code in our comparison tool below for FREE car insurance quotes.

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