State Farm Military Discount: How It Works, Potential Savings, and More
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Written byMandy Sleight
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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.
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Edited byMatthew Gross
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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.
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In This Article
Discounts are one of the easiest ways to save money on car insurance. If you’re an active-duty service member or veteran of the armed forces, you could save up to 25% with a military discount.
State Farm offers a military discount only in Louisiana because it’s the only state that requires car insurance companies to provide it.[1] We’ll explain how to get State Farm’s military discount and tell you about other discounts the company offers.
What Is the State Farm Military Discount?
United States active-duty military personnel, reservists, and Louisiana Air and Army National Guard Members can receive 25% off their State Farm car insurance. You must own the registered vehicle and be named on the car insurance policy to get the discount.
State Farm may also offer a discount to veterans with at least a 50% disability rating from the Department of Veterans Affairs (VA).
But the discount might apply only to your liability insurance coverage, not your entire car insurance premium. Check with your State Farm agent to find out how much a military discount can save you.
How Much Can You Save With the State Farm Military Discount?
Military members in Louisiana can save up to 25% on their State Farm car insurance. But the amount you save depends on your coverage and any other discounts applied to your policy.
State Farm doesn’t advertise its exact savings, but it’s a good discount for drivers who qualify. And even if you live outside Louisiana, you might still get a cheap rate with State Farm.
Reddit users who received the military discount say State Farm gave them the lowest rates after comparing car insurance quotes.[2] [3] [4] If you need coverage quickly, an insurance-comparison site can help you find the best deal.
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How does State Farm’s military discount compare to competitors?
Many car insurance companies offer a discount for military personnel only in Louisiana. We compared State Farm’s average monthly rates, discount availability, and maximum discounts against several top competitors in the table below.
Company  | Average Full-Coverage Premium | Offers Military Discount? | Discount Availability | Maximum Discount Savings |
|---|---|---|---|---|
| State Farm | $116 | Yes | Only in Louisiana | Up to 25% |
| GEICO | $177 | Yes | Nationwide | Up to 25% |
| Allstate | $128 | Yes | Only in Louisiana | Up to 25% |
| Progressive | $150 | Yes | Only in Louisiana | Up to 25% |
| USAA | $97 | Yes | Nationwide | Varies |
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.
Like State Farm, Allstate and Progressive offer their military discounts only in Louisiana. But GEICO and USAA offer military discounts in other states. You can even get a discount from USAA if you keep your car on base, drive infrequently, or store your vehicle when not in use.
How to Get the State Farm Military Discount
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To get the military personnel discount from State Farm in Louisiana, you need to:
Contact your State Farm agent or reach out to customer service to let them know you’re an active-duty service member or veteran and want to add the military discount to your car insurance policy. You may need to provide personal information, like your full name, Louisiana address, and policy number.
Complete the military discount application that your agent sends you.
Send back the completed form with proof of your military status.
Check your car insurance policy and next bill to make sure you get the discount.
To qualify, active-duty service members and reservists can submit a copy of their current military orders with their duty station assignment. Louisiana Air and Army National Guard members should submit a letter on official unit letterhead from their commander verifying membership.
Veterans can provide their VA Benefits Verification Letter, LDVA Form A25 or A17, or a copy of their Common Access or VA card. Retired National Guard members can provide a Common Access Card or Form DD 214.
Other State Farm Discounts to Consider
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You don’t have to be active duty or a military member to take advantage of other State Farm discounts. The company offers 18 other car insurance discounts, most of which you can stack together to maximize your savings.
Some other discounts State Farm offers include:
Defensive driving course: Complete a state-approved defensive driving course and submit the completion certificate to State Farm to get a defensive driving course discount.
Safe driver: Get a safe driving discount for going three years without getting a ticket or causing an accident.
Bundling: Bundle your auto policy with home, condo, renters, or life insurance for a multi-policy discount of up to 17%.
Telematics: Track your driving habits with State Farm’s Drive Safe & Save telematics program and save up to 30%.
Multi-car: Save up to 20% with the multi-car discount when you insure at least two vehicles with State Farm.
Loyalty: Stay with State Farm for at least three consecutive years to earn a loyalty discount.
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State Farm Military Discount FAQs
We answered common questions from drivers about State Farm’s military member discount. Check them out below.
Does State Farm offer a military discount?
Yes, but only in Louisiana. If you’re an active-duty military member or veteran and live in Louisiana, contact your State Farm agent to learn how to add the discount to your car insurance policy.
Which insurance company offers the largest military discount?
Louisiana requires all car insurance companies offering coverage in the state to provide a 25% military discount on liability policies.
What’s the best insurance company for members of the military?
It depends. There’s no single best car insurance company for everyone, even military members. Compare quotes from multiple companies to find an auto policy that fits your needs.
Which insurance companies offer a military discount?
Louisiana requires every car insurance company in the state to offer a military discount. Discount availability and savings vary in other states. USAA, Armed Forces Insurance, and GEICO offer military discounts in most states.
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.
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Sources
- Louisiana Department of Insurance. "Military Personnel - Automobile Liability Insurance Premium Discount."
- Reddit. "I thought USAA insurance was supposed to be cheaper."
- Reddit. "Veteran Auto Insurance $29 Full Coverage AD."
- Reddit. "Best auto insurance rates for vets ??."
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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.
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