Military Car Insurance – A Good Way to Stretch Your Household Budget

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

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 19, 2021

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Here's what you need to know...

  • Insurance needs for those in the military are unique
  • Those in the armed services used to be penalized for their circumstances
  • Now, almost all companies are willing to work with military personnel and their needs

If you are in the military, car insurance needs may be different for you than for civilians.

People in the military risk their lives for their country and deserve a great deal of respect that they may not always receive. They are also not always as well paid as they ought to be.

Get military car insurance quotes now by typing your ZIP code now!

If you are in the military or are a veteran, car insurance companies are one of the places where you will get rewarded for serving your country. Many companies offer discounts and other incentives to military personnel that will save you money.

Background, Advantages, and Eligibility for Military Car Insurance

Because military members and their families move around a lot, they were penalized in the past. For example, people who were deployed often canceled their insurance policies while they were overseas.

This caused a gap in their insurance, which insurance companies penalized.

Now, many insurance companies (Geico and the United Services Automobile Association, and USAA were among the first) offer to suspend or have lower rates for people who are deployed. Thus they have no gap.

All insurance companies offer similar discounts and benefits for military personnel and their families. These can include but are not limited to:

  • Flexible payment schedules
  • Free long distance calls to the company from wherever you are stationed
  • 24/7 access to the company via the Internet
  • Up to 15 percent discount on the policy
  • Special insurance options for people who are deployed to danger zones
  • Suspension of services when your vehicle is stored

There are many ways you can be eligible for military car insurance, and each company has its own definition of who is eligible.

Some companies only give discounts and incentives to people who are currently in the military, whether they are in reserve or actively serving. Others allow military veterans to receive military car insurance policies.

In many companies, spouses, ex-spouses, and children of military personnel can benefit too.

When calling various insurance companies, be sure to ask the insurance agents what the advantages of having military car insurance are and who is eligible to be on your policy.

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Useful Tips for Your Search for Military Car Insurance

Before doing any research about military car insurance, prepare by deciding what kind of insurance policy you need and what you will be doing with your vehicle.

For example, will you be putting the car in storage when you are deployed? If so, ask if the insurance company will suspend your service or give you a discount while you’re gone.

When you’ve decided on the type of policy you need, starting the search for military car insurance companies is easy. All you have to do is log onto various insurance companies’ websites, such as All-State, Progressive, or State Farm, to get free quotes.

It only takes about five minutes to fill out their forms. On the forms, you can mark that you are in the military and they will tell you for which benefits you’re eligible.

Better yet, use the one-stop car insurance quote tool on this page and get rates from several providers at once!

Be sure to shop around to get a variety of quotes. This can be done online or by phone.

However, you do your research, always let the companies know you’re in the military and would like discounts for military car insurance. Also, be prepared to prove you are in the military by having your paperwork with you.

When searching for military car insurance policies online, know that eventually, you will have to transfer your search from the Internet to the phone.

Many insurance companies don’t list all of their benefits and discounts for people in the military online. You need to call to find out everything they offer.

Another advantage to calling is by talking with a live person, you will be better able to negotiate a policy that best suits your needs.

After you have quotes from a variety of companies and are ready to decide which will provide you with military car insurance, there might be two or more that are very similar. How do you decide which is best?

Call each company and ask what special benefits they can provide. For instance, will they give you a loaner if your car is off the road? Use these as the deciding factors to choose which company is best for your military car insurance needs.

Some companies have developed a reputation for specializing in military car insurance. Geico and USAA car insurance companies are two examples. These tend to offer more benefits to military personnel and their families.

After You’ve Chosen Your Military Car Insurance Policy

Once you choose the company you want and get a military car insurance policy, your work is not done. Some policies change when you are deployed.

Your best course of action is to call your insurance company as soon as you find out when you will be deployed and ask how your policy will be affected. Work with your insurance agent to get the best policy conditions for you and your family.

Choosing your military car insurance can be a tricky business and involves a lot of research, but your work will benefit you in the long run by saving you money.

Enter your ZIP code below now to find the cheapest military car insurance quotes near you today!



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