How to Get the GEICO Military Discount

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Written by Eric Schad Edited by Nick Versaw

Updated June 15th, 2023

If you’re one of the 1.4 million active-duty military members or 18 million veterans in the United States, you’re eligible for many programs and discounts through private, public, and government entities. One of those is a sizable car insurance discount.

While many car insurance companies offer some sort of military discount for eligible members, few are as generous as the ones from GEICO. To shave some money off your next auto insurance premium, find out if you’re eligible for the GEICO military discount, how much you can expect to save, and other discounts that may be available to you for your military service.

What Is the GEICO Military Discount for Car Insurance?

The GEICO military discount is a type of insurance policy discount available to active members of the military and retired military. The branch of the armed forces is irrelevant; the discount extends to you whether you’re part of the:

• U.S. Navy
• U.S. Army
• U.S. Coast Guard
• Air Force
• Marines
• Space Force
• National Guard or National Guard Reserve

In addition, this insurance coverage discount is also available to military family members. As long as the insured drivers live in your household, they can be listed as additional drivers on your policy.

Multi-car discounts and multi-policy discounts — such as the one you would get for combining multiple insurance products (homeowners, renters, etc.) with your auto insurance — can add up to extensive savings, especially if you also are eligible for the GEICO military discount.

How Much Can I Save With the GEICO Military Discount?

The GEICO military discount can instantly save you up to 15% on your car insurance or total premiums, making it one of the best offers available in the country. 

Combined with other types of special discounts, you can save even more. Some examples that may pertain to you as a member of the armed forces and a GEICO policyholder include:

• Multi-policy discount: Save up to 25%
• Various vehicle equipment discounts: Save 3-23%, but includes features such as an anti-theft discount or a passive restraint discount
• Emergency deployment discount: Save up to 25% — discussed in detail below
• New car discount: Save up to 15%
• Affinity discounts: Savings vary, but certain military membership discounts can result in substantial discounts — discussed in detail below
• Safe driver discount: Savings up to 22%, but GEICO typically requires you to be accident-free for five years

If you want to learn more about how much you can save on your car insurance, request an insurance quote to get started:

How Do I Qualify for the GEICO Military Discount?

To qualify for the GEICO military discount, you need to meet the following eligibility requirements:

• Be an active-duty military member
• Be a veteran of any of the armed forces with an honorable discharge
• Be a member of the National Guard or the National Guard reserves

If you meet any of these criteria, GEICO will extend a military car insurance discount to you.

The GEICO military discount is available to residents of all states regardless of whether you live on or off a military base — including Hawaii and Alaska — but there is one caveat. You’re ineligible for the discount if you were dishonorably discharged from the military, so consider that before you take the time to apply.

How to Apply for the GEICO Military Discount

If you meet the eligibility requirements, you can apply for the GEICO military discount either over the phone or through your local GEICO agent.

To apply over the phone, simply call the military-specific GEICO phone number: 1-800-MILITARY (645-4827). This will take you immediately to an agent who handles military accounts, saving you time in the process.

Alternatively, you can contact a local insurance agent if you’re more comfortable doing so. You can find the number for your local insurance agent by using the agent lookup feature at GEICO.com.

Unfortunately, GEICO doesn’t allow you to sign up for military discounts online or through their mobile app.

Does GEICO Offer Any Other Discounts for Military Personnel?

GEICO offers more than just the basic military discount depending on your situation or orders. You may also find that one of these discounts can add up to more savings on top of the 15% already afforded to you.

The Emergency Deployment Discount

Beyond the military discount for being an active-duty military member, veteran, or reserve service member, GEICO Insurance also offers up to a 25% discount for those in imminent danger pay areas or military members who are sent overseas to dangerous areas with little notice. This is known as an emergency deployment discount.

The Department of Defense designates these areas as geographic locations where military personnel may face hostile fire or mine explosions. If you’re deployed to one of these areas, you receive up to an additional $225 from the government, but you’re also eligible for GEICO’s emergency deployment discount. As of March 2023, 36 countries are eligible for this discount from GEICO, including:

• Afghanistan
• Algeria
• Azerbaijan
• Burundi
• Cameroon (North or Far North)
• Chad
• Colombia
• DR Congo
• Cuba (Guantanamo Bay only)
• Djibouti
• Egypt
• Ethiopia
• Haiti
• Indonesia (Papua and Central Sulawesi only)
• Iran
• Iraq
• Israel
• Jordan
• Kenya
• Kosovo
• Lebanon
• Libya
• Malaysia (Sabah only)
• Mali
• Niger
• Pakistan
• The Philippines (Mindanao and Sulu only)
• Saudi Arabia
• Somalia
• South Sudan
• Sudan
• Syria
• Tunisia
• Turkey
• Uganda
• Yemen

GEICO Military Membership Group Discounts

GEICO will also offer military discounts to certain members of exclusive organizations. The amount of the discount varies, but you should expect some sort of reduced insurance rate if you’re a member of one of these associations or organizations:

• Association of the United States Army (AUSA)
• Armed Forces Benefit Association (AFBA)
• Navy League of the United States (NLUS)
• Navy Federal Credit Union (NFCU)

Retired members of the military may also be eligible for additional discounts of up to 25% if they belong to either the Fleet Reserve Association (FRA) or the National Infantry Association (NIA).

Storage Protection Plans

Hand-in-hand with the emergency deployment discount is GEICO’s Storage Protection Plan. If your military duties require you to store your vehicle for more than 30 days, GEICO will suspend your car insurance policy or give you a reduced rate for temporary storage coverage.

Again, you will have to call 1-800-MILITARY to get the details about this type of coverage and make the switch, but you stand to save quite a bit through this GEICO military discount.

Why Should I Choose GEICO?

With so many insurance options available, selecting the right one can feel downright overwhelming. However, GEICO has a sparkling reputation and a number of other perks and advantages that make it a solid choice:

• Award-winning mobile app and website that make filing a claim or changing coverage quick and easy
• One of the best customer satisfaction ratings in the insurance industry from J.D. Power
• A+ rating from the Better Business Bureau
• 4.13/5 review from Clearsurance
• Numerous discounts
• Accident forgiveness

Get Something Back for Your Service

Being in the military comes with unique opportunities and challenges, but you should certainly get all you can for your service through discounts and reduced costs.

GEICO is at the forefront of companies that provide affordable car insurance and other insurance products to military members. While that doesn’t always equate to the lowest rate, the company has the customer service and reputation that makes them an attractive option.

But before you choose GEICO, you may want to see what other options and rates are available. Compare quotes in just minutes to discover the best car insurance options for your needs as a driver and a military member.

Eric Schad Insurance Writer

Eric Schad has been an expert content writer for nearly a decade. Before getting behind the keyboard, he worked in the finance and music industries. With eight years of writing experience in the automotive and insurance industries, he enjoys communicating information that makes shopping for car insurance a breeze. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.