The Best Car Insurance Companies for Military Members

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Finding the right car insurance as a military service member can have its challenges. Thankfully, many reputable insurance companies cater to active-duty and veteran service members and their families. These insurers offer unique advantages and discounts to help you find quality coverage for your needs.

This article will highlight the best car insurance companies for military members and what sets them apart.

Key Takeaways

  • Many insurers offer discounts, programs, and specific coverage options for members of the armed forces.
  • Choose a car insurance provider that offers a range of online tools and resources you can use to manage your policy from anywhere in the world.
  • Eligibility requirements vary, but you typically qualify for military auto insurance if you’re on active duty, retired, or a member of the reserves.

Best Military Car Insurance Companies

Whether on the East Coast, the West Coast, somewhere between, or temporarily abroad, you can find quality military car insurance to fit your needs. We’ve compiled a list of the best military car insurance companies to help you in your search.

GEICO Insurance

GEICO is a popular car insurance company offering various discounts and benefits for military members, including active-duty personnel, veterans, and their families. Military members who switch to GEICO can take advantage of special savings and benefits unavailable to the general public.

Pros and Cons:

  • Pros: Offers a standard 15% discount for current and former military members, easy-to-use website and mobile app, available in all 50 states
  • Cons: Rates may be higher than some competitors, doesn’t offer discounts to children of military members

Coverage Options:

  • Bodily injury and property damage liability
  • Medical payments coverage
  • Personal injury protection (PIP) coverage
  • Uninsured and underinsured motorist coverage
  • Collision and comprehensive coverage
  • Emergency roadside assistance
  • Rental reimbursement
  • Mechanical breakdown insurance


  • Military discount – 15%
  • Emergency deployment – 25%
  • Multi-vehicle discount – 25%
  • New vehicle discount – 15%
  • Emergency deployment – 25%
  • Airbag discount – 23%
  • Good driver discount – 22% (if accident-free for five years)


GEICO offers coverage in all 50 states and the District of Columbia

Military Programs:

  • Military Discounts: GEICO members benefit from the Military Discount Program. It offers discounts on car insurance to active-duty, retired, and National Guard or Reserve members. Additionally, it provides an emergency deployment discount of up to 25% to military members deployed to designated combat zones.
  • Military Service Center: Another unique feature of GEICO for military members is the Military Service Center. This center provides a dedicated team of insurance professionals trained to assist military members with their insurance needs. It’s available 24/7 to help with policy changes, claims, and other insurance-related issues.

Armed Forces Insurance

Armed Forces Insurance (AFI) is a car insurance provider specializing in serving military members and their families. AFI’s car insurance policies meet the unique needs of military members by offering a range of benefits and features.

Pros and Cons:

  • Pros: Offers specialized coverage for military members, including overseas coverage and warzone insurance, available in all 50 states
  • Cons: Doesn’t specify discount options

Coverage Options:

  • Bodily injury and property damage liability
  • Personal injury protection (PIP) coverage
  • Medical payments coverage
  • Collision and comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Rental reimbursement
  • Emergency roadside service


Armed Forces Insurance doesn’t list the discounts it offers. You’ll have to speak to the company directly for more information.


Armed Forces Insurance is available in all 50 states.

Military Programs:

A unique benefit of Armed Forces Insurance is that it supports military-related causes. A portion of every AFI policy sold supports causes such as the Wounded Warrior Project and the Tragedy Assistance Program for Survivors. Their charitable efforts are great if you want to aid organizations serving the military community while getting reliable car insurance coverage.

Get the most affordable military car insurance in minutes.

Farmers Insurance

Farmers Insurance is one of the best car insurance options for military members. The company offers exclusive discounts to active-duty military members to help them save on coverage. In addition, they provide a wide range of coverage options to ensure that military members and their families have the protection they need at home or while deployed.

Pros and Cons:

  • Pros: Offers discounts for military members and veterans, customizable coverage options
  • Cons: Not available in all states

Coverage Options:

  • Liability and property damage insurance
  • Collision and comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments coverage
  • Personal injury protection (PIP) coverage


Farmers Insurance doesn’t share how much their discounts will save you, but here are some options.

  • Military discount
  • Multi-line discount
  • Multi-car discount
  • Safe driver discount
  • ePolicy discount
  • Good payer discount (not available in California)
  • Mature driver discount


Farmers Insurance offers auto insurance coverage in 40 states.

Esurance Insurance

Esurance is a popular choice for military members seeking car insurance. The company offers a variety of discounts and benefits tailored specifically to the needs of military members and their families. These include discounts for active-duty military, veterans, and their families and special coverage options considering military life’s unique risks and challenges.

Pros and Cons:

  • Pros: You can cancel your auto insurance while away without penalty, easy-to-use website and mobile app, available in most states
  • Cons: Rates are higher than other insurers like GEICO

Coverage Options:

  • Liability and property damage coverage
  • Collision coverage
  • Comprehensive coverage
  • Emergency roadside assistance coverage
  • Rental car coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • Personal injury protection (PIP) coverage
  • Uninsured/underinsured motorist coverage


  • DriveSense Telematics Program (available in 35 states)

Esurance may offer additional discounts, but the website does not reflect them.


Esurance offers insurance in 43 states, but coverage availability varies.

Military Program:

One of Esurance’s standout features is the deployment discount. This discount allows military members to suspend their car insurance policies while deployed, saving them money on premiums during their absence.

How Does Car Insurance Work in the Military?

smiling military family

Auto insurance is a crucial aspect of owning a vehicle, and this is no different when you’re in the military.

  • Access to insurers: Military members have access to insurance companies and programs designed specifically for members of the armed forces, such as the Armed Forces Insurance Company and GEICO’s Military Service Center.
  • Qualification: Insurers’ qualifications for programs and discounts for military members vary. Typically, active-duty and retired military, reserve members, and military spouses and dependents qualify.
  • Coverage: Some programs, such as GEICO’s 12-month overseas auto policy, work when you’re abroad.

Aside from these three aspects, securing auto insurance as a current or retired military member is similar to the process as a civilian. You want to ensure you find the right coverage to meet state minimums and possibly more to lessen your financial responsibility in case of a claim. It’s also essential to choose the deductible that fits your needs. A lower deductible will reduce your out-of-pocket expenses when filing a claim, but you’ll have a higher premium. The opposite is true if you have a higher deductible.

How to Get a Military Car Discount

Car insurance companies often offer military-only discounts to service members, as they recognize the sacrifices and risks associated with being in the armed forces. These discounts can help you save money on car insurance premiums. Here are some common ways military members can qualify for military-only discounts with car insurance companies.

Research Insurance Companies That Offer a Military Discount

The first step to securing a military car insurance discount is researching insurers. Many companies have a discount for military members, such as GEICO and Armed Forces Insurance. Look at our list below of car insurance companies offering a military discount.

Determine Eligibility Requirements

Next, determine the eligibility requirements to qualify for the discount. Typically, you must be an active-duty or retired military member, a National Guard or reserves member, or a military spouse or dependent. However, these requirements vary.

Gather Required Documentation

Once you know you qualify, gather any required documentation, such as your military ID card, a copy of your military orders, and military service documents, such as a DD-214 form or discharge papers.

Compare Discounts and Coverage Options

Finally, you want to compare the discounts and the company’s coverage options to determine which is a good fit for you.

See how much you can save on your military car insurance.

Car Insurance Companies with a Military Discount

If you’re a service member or a family member of a service member, you may be eligible for military car insurance discounts. Many companies offer discounts to military members and their families to recognize the sacrifices and risks of being in the military. Here’s a list of car insurance companies that offer military discounts:

  1. GEICO: GEICO offers a 15% discount on car insurance premiums to active-duty military members, veterans, and their families.
  2. Farmers Insurance: Farmers Insurance offers discounts to active-duty military members deployed overseas who store their vehicles on the base.
  3. Liberty Mutual: Liberty Mutual offers active-duty military members a discount, but their website doesn’t mention how much members save.

Other insurance companies not on this list might offer a military discount. We verified these insurers based on the information on their websites.

How to Save on Car Insurance as a Military Member or Veteran

If you’re a military member or veteran, you may be looking for ways to save on car insurance. Fortunately, several options can help you get the coverage you need at an affordable price.

  • Take advantage of military discounts. Many car insurance companies offer discounts to active-duty military members and veterans. These discounts can vary depending on the company, but they can often save you significant money on your premiums. Be sure to ask your insurance provider if they offer a military discount and take advantage of it if they do.
  • Compare rates. It’s always a good idea to shop for car insurance to ensure you get the best deal possible. Take the time to compare rates from multiple providers to find the one that offers the best coverage at the lowest price.
  • Consider bundling policies. If you have other insurance policies, such as homeowner’s or renter’s insurance, you can bundle them with your car insurance to save money. Many insurance companies offer discounts to customers who bundle their policies, so it’s worth looking into this option.
  • Raise your deductible. Your deductible is the amount you must pay out-of-pocket before your insurance coverage kicks in. By raising your deductible, you can lower your monthly premiums. Make sure you have enough money to cover a higher deductible if you file a claim.
  • Keep your driving record clean. One of the best ways to save on car insurance is to maintain a clean driving record by avoiding accidents and traffic violations. Additionally, some insurance providers offer safe driving discounts, so ask about this option.

Best Car Insurance for Military Members: Frequently Asked Questions

What makes car insurance different for military members?

Military members may have unique circumstances affecting their car insurance needs, such as frequent moving, deployment, or vehicle storage. Additionally, many car insurance companies offer discounts and special programs to active-duty military members, veterans, and their families.

What are some of the best car insurance companies for military members?

Some of the top car insurance companies for military members include Esurance, GEICO, and Armed Forces Insurance. These companies offer specialized discounts and benefits for military members and their families.

Can military members get car insurance while deployed?

Yes, military members can still purchase car insurance while deployed. Many car insurance companies offer online and phone services that allow military members to buy and manage their policies from anywhere.

How can military members save money on car insurance?

Military members can save money on car insurance by taking advantage of military discounts, comparing rates from multiple providers, bundling policies, raising their deductibles, and maintaining clean driving records.

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