Each person has different car insurance requirements. For someone who works a 9-to-5 job, a policy may not be the best fit. Servicemembers might face unique challenges that civilians do not, such as frequent deployments to military bases or changes of location with very little notice.
Some insurance companies only work with military personnel and their families. Others offer special discounts, services, and policy options to meet their specific needs. We have compiled a list of our top picks for the best military auto insurers.
Why USAA is different from the rest:USAA serves only military personnel and their families. This gives them an intimate understanding of the unique challenges faced by servicemembers. USAA offers comprehensive coverage at a 15% discount if you park your vehicle on base, and up to 60% if you store your vehicle during a deployment. You can also get a discount if your driving is reduced due to deployments or other reasons.
What you need to know about USAA
USAA provides standard auto insurance coverage, including collision, comprehensive, and liability. There is also optional roadside assistance, rental reimbursement, and optional roadside assistance. You may be eligible for personal injury protection depending on where you live.
The insurer offers a variety of discounts and covers many types of vehicles including cars, motorbikes, ATVs and RVs as well as classic and collector cars, boats and personal watercraft. Online and via the USAA mobile app, you can access policy updates and file claims 24/7.
J.D. rated USAA as having a higher customer satisfaction score than the average. Power’s U.S. Auto Insurance Study 2022. According to data from the National Association of Insurance Commissioners, the company received approximately the same number of complaints as other companies of comparable size in the market in 2021.
USAA provides coverage in all 50 US states and Washington, D.C.
Check out our complete review of USAA insurance.
The best for military discounts: GEICO
Why GEICO might be a good option: Active duty service members, retired servicemembers or National Guard or Reserves members may receive a 15% discount from GEICO. If you are a member or deployed to an area in imminent danger, you can get a greater discount and your car stored while on deployment. The company also has many other non-military-specific discounts, giving servicemembers more opportunities to save.
What you need to know about GEICO Insurance
GEICO offers standard auto insurance policies as well as additional coverage options such as roadside assistance, rental reimbursement, and mechanical breakdown.
GEICO’s veterans provide military-specific service to servicemembers. During deployment, servicemembers have the option to reduce or suspend their coverage.
Online payment options allow for coverage to continue even if you are deployed overseas.
J.D. satisfaction scores for the company were above-average. Power 2022 U.S. Auto Insurance Study was conducted in all US regions, except Texas and the Southeast. According to NAIC data, GEICO received approximately the same number of complaints in 2021 as other companies in the market.
GEICO is available throughout all 50 states as well as Washington, D.C.
Check out our complete review of GEICO insurance.
Best for Retired Veterans: Liberty Mutual
Why Liberty Mutual might be a good option:Liberty Mutual offers a military discount for active, retired, and reserve personnel. You can also save more if your are a member the Military Benefits Association. This company offers a variety of coverage options, including specialty coverage that is not available at other companies. It also has multiple discounts for non-military car insurance to support your lifestyle after you have retired from active duty.
Learn more about Liberty Mutual insurance
Liberty Mutual offers a variety of coverage options including gap coverage, new car replacement, better vehicle replacement, accident forgiveness and gap coverage.
According to data from the NAIC, October 2022, the company offers many savings options and received fewer complaints than other insurers its size in the market. The company received below-average customer satisfaction scores in all regions of the U.S., except for the central region in J.D. Power’s 2022 U.S. Auto Insurance Study.
Liberty Mutual is available throughout the 50 United States and Washington, D.C.
Check out our complete review of Liberty Mutual insurance.
For military families with children: Farmers
Why Farmers might be a good option: Farmers offers military discounts to active-duty personnel as well as retired and honorably discharged veterans. Families with children have other savings options, whether they live at home and on their own. You can get discounts for a “youthful” driver or distant student, shared family vehicle, and on your own.
Farmers Insurance: What you need to know
The company provides a broad range of coverage including non-standard options such as “glass deductible buyback” (for broken windshields), loss of use, replacement of a car, and guaranteed value. You can file a claim online, via text or mobile app, as well as by phone.
According to NAIC data, Farmers received fewer complaints in 2021 than is normal for an insurance company this size. J.D. rated Farmers with below-average satisfaction ratings. Power’s 2022 U.S. Auto Insurance Study.
Farmers is not available for Alaska, Delaware and Hawaii.
Check out our complete review of Farmers insurance.
How did we choose these insurers
We reviewed nearly a dozen websites to find our top picks in military auto insurance. J.D. Power’s 2022 Auto Insurance Study, and the NAIC customer complaint database starting in 2021.
The factors that we felt would be most helpful to servicemembers or their families when choosing the insurance companies in this article were:
- Get Discounts
- Military personnel may be eligible for special services and accommodations
- Customer satisfaction
- Options for coverage
- Types of vehicles that are insured
FAQs regarding military auto insurance
Is the military responsible for paying for car insurance for service members?
No. No. Military personnel are responsible for purchasing auto insurance policies.
Are you in the military and can car insurance be cheaper?
Car insurance rates are affected by many factors, such as driving record, location, age and vehicle make and models, credit scores, and other factors. To help military personnel save, some insurers offer discounts. However, being in the military does not automatically mean that you will pay less for coverage than a civilian.
Is USAA just for the military?
Yes. USAA offers are available only to military personnel and their families.