Car Insurance Rates for Military Officers

The average rates of car insurance in the US are $79.58/mo, but military personnel and their families often receive discounts as high as 25%. Compare quotes to find the best deal.

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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 19, 2021

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Here's what you need to know...

  • Those in the military are viewed positively by car insurers
  • Military personnel tend to live within the rules at their job and on the road
  • Living on base means less regular city driving, which can help keep insurance rates low

Have you ever wondered why, when you’re applying for car insurance, the agent asks you your occupation? For example, why would military officer car insurance rates differ from those of any other occupation, and what does the job itself have to do with it?

These are both good questions that we’ll endeavor to answer in this article. And by the way, out of 60 different job categories recently ranked according to average annual car insurance rates, military officers took the number 30 slot at $1,147.96.

Enter your ZIP code in the FREE box above to begin your search for online car insurance quotes!

Car insurance companies inquire about your occupation because they know that there are certain mindsets, attitudes, and characteristics common among the employees in any given job category.

For example, scientists pay some of the lowest car insurance rates on average, partly because the analytical and careful mindset needed to be a scientist translates into a similar attitude behind the wheel.

Those whose careers are deemed to be more “reckless” tend to have higher rates.

Military Stability Means More Caution

One of the things that sets the military officer in the middle of the pack is the idea of stability. While a military career might move an officer many times during his lifetime, the atmosphere of the military environment is very stable, predictable, and controlled.

The military officer knows that there are strict guidelines controlling his entire life. Learning to live within the guidelines without overstepping the bounds is key to being a good military man or woman.

The ability to live within certain boundaries makes for a safer driver, at least in theory.

Military officers tend to be more cautious, more alert, and more willing to adapt their driving practices for things like weather conditions and traffic levels.

Where other drivers may consistently drive the same way regardless of conditions, a military officer is more likely to adapt his driving in order to maximize safety.

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Military Order Means Fewer Violations

In order to be a successful military officer, one also needs to understand the chain of command. Officers need to learn to obey their superiors at all times, without question, whether or not they like the orders.

The sense of duty to the chain of command means that military personnel are more likely to obey the law from behind the wheel, regardless of their agreement with it. Military officers tend to have fewer violations, including speeding tickets and DWIs.

With fewer violations, drivers are deemed to be a better risk overall. Fewer violations mean you’re driving more safely and posing a lower risk to yourself and others.

For military officers, the rules and regulations by which they live translate to lower risk for their insurance carriers.

And since the health of any car insurance company is based on the amount of risk they take, they are more than willing to reward anyone who reduces that risk by giving them lower rates.

Military Bases Also Contribute

Population density is another factor that plays into how much we pay for car insurance. For example, someone who lives in a major U.S. city, like Houston, can expect slightly higher rates than someone living in rural Montana.

Insurance companies know that where there are more cars on the road the likelihood of accidents increases. So the greater the population density where you live, the more likely it is that you’ll have an accident that requires a claim.

For military officers, the vast majority of their time is going to be confined to the base where they are stationed. Bases are set up in such a way as to accommodate the needs of military families by providing:

  • shopping outlets
  • entertainment venues
  • gyms
  • and more

Because of the nature of military bases, the families who live on them don’t have to leave and drive on the public roadways as often as the rest of us do.

And because the population density of military bases is rather low compared to the amount of real estate occupied, the accident risk is low as well.

Of course, the size and population density of military bases varies from one to the next. There are some sprawling bases covering a lot of ground and housing very few residents.

There also some others that are small by comparison and have a heavy population density. All of these things would be taken into consideration when a military officer purchases car insurance.

Whether you’re a military officer, an enlisted person, or civilian, you can find the best auto insurance rates online by entering your ZIP code in the FREE box below!

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