Car Insurance Rates for Marines

Car insurance for Marines means you should be looking for discounts. Most companies have discounts for US Marines car insurance and some can save you $350-$400/year.

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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 14, 2021

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Here's what you should know...

  • US Marines have a variety of benefits in return for their service, and one of those is discounts on car insurance
  • Although they are in the Armed Forces, Marines are required to meet state car insurance requirements just like civilians
  • Family members of Marines can also benefit from military discounts on their insurance rates

There are many benefits to becoming a marine. Car insurance discounts are just one of the perks you can get for serving in the military.

When you join the Marine Corps, you accept a very important job of defending the United States. The Marine Corps works closely with the US Navy but they are a separate division as far as the military is concerned.

No matter which of the 7 United States uniformed services you join, you will receive numerous benefits in return. There are military payments and other benefits you receive from the US government. There are also benefits you receive from businesses and corporations that are not related to the government.

Members of the military and their family members can get discounts for car insurance as well as other forms of insurance. Many insurance companies offer discounts for marines, but that is not what Marine insurance is for. Marine insurance covers ships and cargo transportation.

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Car Insurance Requirements for Military

As a member of the Marine Corps, you can buy your car insurance from several different insurance companies and receive benefits for you and your family. Being a member of the military does not exonerate you from meeting legal requirements when operating a motor vehicle. Therefore, you need to meet the same car insurance requirements that everyone else needs to have in your state of residence.

Every state has different requirements for liability coverage, so you need to carry at least that amount. As with non-military members, it is a good idea to buy a policy with greater limits to cover extensive injuries and damages.

If you have a family, then your car insurance requirements will be based on the state wherever your family is based. In the event you are deployed, your family will remain on your insurance provided they are listed on your policy.

Car insurance for marines is just like car insurance for everyone else. You need to have enough coverage to satisfy state law and it is recommended to carry more than just liability coverage. It is also a good idea to consider the need for optional insurance like comprehensive and collision.

Military Car Insurance Discounts

While the majority of the benefits of car insurance are the same for marines as for non-military members, there are a couple of additional perks for a marine. Car insurance discounts are available for marines and their families.

Different discounts and savings are available for marines from different insurance companies. Typical discounts are given for maintaining an excellent driving record and for taking driver safety courses. Good student discounts are available for young drivers in the marine family.

As a marine, you may also qualify for savings just for being on active duty. Some insurance companies that cater to marines can save you $350 to $400 on an annual basis over other car insurance companies.

Marine Insurance for Shipping

Marine insurance is not for military marines. Rather, it is insurance used in the marine industry. If you have a ship or any cargo transportation by water, then you would insure it through marine insurance. Marine insurance can be purchased to cover your boat as well as the cargo itself that you are moving.

In addition to transport insurance, marine insurance also typically includes onshore and offshore property. You can buy casualty and/or liability insurance based on your needs.

Originally known as maritime insurance, marine insurance is one of the first forms of insurance available. It was used to insure ships and their cargo from storms at sea as well as from pirates. Today, marine insurance companies also sell car insurance as well as other insurance products:

  • Depending on your industry, you may need marine cargo insurance or inland marine insurance. Inland marine insurance provides similar benefits to regular marine insurance except that it pertains to travel on waters other than oceans, such as rivers and lakes.
  • If you have a recreational boat, then you will buy standard boaters insurance from an insurance company. Marine insurance is not intended for recreational purposes as much as it is for commercial use.

Marine insurance is available for anyone who is transporting goods by water. It covers the vessel as well as the cargo, but it is not intended as insurance for military marines. If you are a marine, car insurance is available from standard car insurance companies. Many car insurance companies will offer discounts to marines and their family member

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