Allstate Military Discount: How It Works, Potential Savings, and More
Excellent
Been here before? Get your quotes back.
)
)
Written byMandy Sleight
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
Edited byMatthew Gross
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
Reading time: 4 minutes
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
Taking advantage of discounts can help you save money on your car insurance. Some insurers offer a special military discount for current and former military servicemembers. Discount savings and availability vary by insurance company and state, but you could save 15% to 25% on your auto insurance premiums.
Allstate offers a discount for eligible military members who live in a certain area. Below, we break down the details of Allstate’s military discount — who qualifies, how much you could save, and more ways to cut costs on car insurance while navigating military life.
What Is the Allstate Military Discount?
Allstate offers a military discount only in Louisiana. Few insurers offer military discounts outside Louisiana, as it’s the only state requiring insurers to provide them.
Louisiana law mandates that insurance companies must provide a 25% discount on liability coverage to active-duty members of the following military branches:
Air Force
Army
Coast Guard
Marine Corps
National Guard
Navy
Reserves
You can only get the discount if you meet specific eligibility requirements, including proof of active service status and Louisiana residency. It also only applies to vehicles owned by a servicemember and insured on a Louisiana auto insurance policy.
Insurers in Louisiana must also offer discounts to veterans with at least 50% disability and military retirees.[1] Check with your Allstate agent for more details and to find out if you qualify for a military discount.
How Much Can You Save With the Allstate Military Discount?
Allstate doesn’t publicly share exact savings for its military discount, and, since it’s limited to Louisiana, customer data is sparse. Savings can vary based on coverage options, liability limits, and other policy discounts. Speak with an Allstate agent to find out how much you can save.
That said, multiple Reddit users report that Allstate has cheaper insurance rates than some military-focused car insurance companies like Armed Forces Insurance and USAA.[2]
One user said they got better coverage and saved 30% on their insurance policies by switching to Allstate from USAA. Another user compares quotes annually, and Allstate consistently offers the most affordable rates.[3] [4] [5]
Find Cheap Car Insurance
Compare quotes and find the best coverage for your budget.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
How does Allstate’s military discount compare to competitors?
Several insurance companies offer military discounts, including GEICO, USAA, State Farm, and Progressive. Check out the table below to see Allstate’s average rates, discount availability, and maximum potential savings compared to its competitors, according to our research.
Company  | Average Full-Coverage Premium | Offers a Military Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| Allstate | $131 | Yes | Available only in Louisiana | Up to 25% |
| GEICO | $140 | Yes | May vary by state | Up to 15% |
| USAA | $97 | Yes | May vary by state | Varies |
| State Farm | $114 | Yes | Available only in Louisiana | Up to 25% |
| Progressive | $167 | Yes | Available only in Louisiana | Up to 25% |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO and USAA are some of the only insurers offering a military discount outside of Louisiana.
USAA offers multiple military benefits, including emergency deployment insurance, which can save you up to 60% when storing your vehicle during active deployment. USAA also provides up to 15% off comprehensive coverage when parking your car on a military base.
How to Get the Allstate Military Discount
)
Here’s how to get the Allstate military discount if you qualify:
Complete the military discount form. Fill out the Louisiana Application for Military Discount form with your full name, Louisiana home address, phone number, insurance company, policy number, and military status.[6] Remember to sign and date the form.
Provide the form and documentation to your Allstate agent. Give your Allstate agent the completed form and supporting documentation. You’ll need either a copy of your military orders or a letter from your commanding officer on official unit letterhead.
Check your policy for the discount. Once you submit the form and documentation to your agent, check your policy to make sure Allstate adds the discount. It may take a week for the discount to appear on your policy.
Confirm the savings on your next billing statement. Check your next policy statement to make sure the discount shows on your bill. Contact your agent if you don’t see a drop in your premiums.
Now, let’s take a look at a few other discounts Allstate offers.
Other Allstate Discounts to Consider
)
Allstate offers 12 car insurance discounts in addition to its military discount. You can even stack most of them together to maximize your savings.
Some other discounts to consider:
Multi-policy: Out of all of the company’s discounts, Allstate’s multi-policy discount can save you the most money. You can save up to 25% by bundling your auto and homeowners or renters insurance with Allstate.
New car: Get a new car discount for buying a current or one-year-old model.
Auto pay: Set up automatic payments for your insurance bill for an auto-pay discount.
Paperless: Get a paperless discount by signing up to receive your policy documents online.
Safe driving: Avoid accidents and risky driving to get a safe driving bonus at each renewal.
Anti-theft device: You could get a discount if your vehicle has anti-theft features like a car alarm, security lock, or recovery system.
Compare Auto Insurance Rates
Get quotes from 100+ top insurers and save today.
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Allstate Military Discount FAQs
Understanding the discounts available to military members can help you find the auto coverage you need at the best price. We answered common questions about Allstate’s military discount to help you get the most out of your policy.
Does Allstate offer a discount for the military?
Yes, but only in Louisiana. Active-duty military members of all branches, including reservists, can save up to 25% on their auto insurance with Allstate.
Which insurance company offers the largest military discount?
Direct Auto, Nationwide, and State Farm offer up to 25% off for military members, but only in select states. If you store your vehicle on a military base, you could save up to 60% with USAA car insurance.
How much of a discount does the military get on car insurance?
It depends. Military discount amounts vary by insurance company and where you live or your station.
What discounts does Allstate offer?
Allstate offers 12 auto insurance discounts, including a military discount for active-duty and reserve military members in Louisiana. Other discounts Allstate offers include multi-policy, good student, early signing, auto pay, paid-in-full, and responsible payer.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Related Articles
)
How to Save With the Progressive Safe Driver Discount
June 27, 2025
)
How to Save With the Allstate Student Discount
June 10, 2025
)
How to Save With the State Farm Military Discount
May 28, 2025
)
Why More Drivers Are Switching Car Insurance Companies
December 20, 2022
)
Moving Out? Follow This Change of Address Checklist
March 22, 2022
)
The Best Car Insurance Companies of 2024
May 21, 2024
)
Switch Your Car Insurance in 6 Easy Steps
November 15, 2023
)
Best Home and Auto Insurance Bundles
April 21, 2025
Sources
- Louisiana State Legislature. "RS 22:1482 Military personnel premium discount; rebates; rating standards and methods."
- Reddit. "What's the best auto insurance for veterans?."
- Reddit. "Is there a company offering auto insurance for veterans?."
- Reddit. "Best home and auto insurance for active duty?."
- Reddit. "USAA Insurance - Which competitors to compare against?."
- Louisiana Department of Insurance. "Louisiana Application Form for Military Discount."
)
Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.