Companies Offering Cheap Auto Coverage for Military Members

The average rates for cheap auto coverage for military members across all states are $256.14/mo with Geico and $207.45/mo with USAA before discounts. The average discount for auto coverage for military members is 40%.

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UPDATED: May 20, 2020

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Here's what you need to know...

  • There are several businesses who offer military discounts to those serving our country
  • There are not many businesses who provide services to only military personnel
  • Do an internet search to find companies who offer cheap coverage to military personnel

Do you get a military discount on car insurance? Military personnel are offered cheap car insurance by select American insurance companies as a way of saying thank you for their service to this country.

There are a wide variety of businesses who also offer discounted services and products to military personnel as a token of appreciation, and to garner their business.

Geico and USAA are the top two companies known for offering cheap car insurance to military personnel.

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Cheap Car Insurance for Military Personnel

Like all discount car insurance rates that are supposed to be very cheap for members of certain groups, cheap car insurance for military personnel is available only if you qualify for those rates.

Not everyone can access those great rates simply because they are military personnel.

If they have a less than stellar driving record, insurance claims in the past three years or are underage, their car insurance will not be very cheap at all.

Quite often such discounts are simply group discounts meant to attract members of a large group.

While there is indeed a percentage discount, the base rate for the car insurance policy depends on the same factors any insurance company considers before giving car insurance rates.

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Should I look for an insurance company that caters exclusively to the military?

One of the options for military personnel is to look for insurance companies that specifically cater to them and their families. Unfortunately, finding such a company is easier said than done.

Only a small number of companies fit this description, and they also serve retired military and other individuals who meet certain criteria.

A company like this would be more in tune with the needs of military personnel but their rates would not necessarily be cheaper.

The biggest advantage of using a company that caters to the military is the fact that they are aware of all the possible circumstances that may affect your car insurance.

They are aware of frequent location changes, deployments, living and driving on military bases, and so forth.

USAA Insurance Company

Is USAA only for veterans? There are companies, such as USAA, that sell to the military. In addition, however, they also sell insurance policies to the family members of people in the military as well as veterans.

USAA is an example of a company that offers multiple services to military personnel such as banking services, life insurance, homeowners insurance, and more.

Is USAA insurance really cheaper? The benefit of using a company like this is that someone in the military has the option of taking care of all their insurance and financial needs in one place.

The downside is that this may not necessarily the cheapest option for military members.

As mentioned above, many major carriers offer military car insurance discounts to military personnel and their families.

Check the rates between dedicated insurance companies like USAA and major carriers.

You may simply feel more comfortable buying your insurance from a business that works directly with military personnel, but remember that you have to consider your budget as well.

How do I find other companies that service military personnel?

If getting cheap car insurance is your prime motivation, search for an insurance policy as a military individual in the same way any civilian would.

You can start by using an Internet search site to get some ballpark estimates with which you can work.

Or you can work the phones by calling individual car insurance companies or a local agent or two in your area.

Regardless of your chosen method, you’ll ultimately have to ask each insurance company with which you deal if they have a military personnel discount.

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Comparing Cheap Car Insurance for Military Personnel

Before you make any decisions on car insurance, you should take the time to carefully consider the different options available to you.

Just because a company offers cheap car insurance for military personnel does not mean that it is the cheapest car insurance available to you.

Getting as many car insurance quotes as possible and comparing them on a variety of factors is the way to find the best car insurance deal possible for you.

By using the free online car insurance quotes tool, you can get a variety of quotes quickly and easily from companies that claim to offer cheap car insurance for military personnel, as well as companies who do not make such offers.

Compare all the quotes you receive on three factors:

  • Price – simply narrow down your choices based on the highest to lowest priced quote
  • Details of the policy – make sure that the quotes all have the same amount of coverage
  • Strength of the company – check the company’s rating from one of the independent insurance rating companies like Moody’s and A.M. Best
  • Customer service – access this information with a simple internet search or by contacting your state department of insurance

Type your ZIP code below and let the car insurance quotes tool work for you today!

References:

  1. https://www.geico.com/
  2. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
  3. https://www.usaa.com/inet/wc/insurance_main_page?wa_ref=pub_global_products_ins
  4. http://v3.moodys.com/Pages/default.aspx
  5. http://www.ambest.com/

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