Military Auto Insurance | Discounts and Cheap Car Insurance for Military Servicemembers

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Military servicemembers can receive multiple discounts on auto insurance from the best insurance companies in America. These military auto insurance discounts are offered by trusted insurance companies with excellent customer service and the lowest pricing.

Since joining the military, I've lived in Texas, Washington, New Jersey, United Arab Emirates, and Hawaii. Every time I've moved I've compared the best auto insurance quotes for military from GEICO, USAA, Progressive, Esurance, All State, Farmers, and more.

My top recommended car insurance companies with military discounts are:

The best auto insurance for you will probably depend on your driving habits, where you live, your age, and the kind of car you drive. It's important to get a personalized quote.

I've partnered with Insure.com to get you the best military auto insurance quotes they can find. When you get your results, make sure you check for USAA and GEICO links.

Military Car Insurance Quotes

auto insurance military discounts

To compare apples to apples, I ran a car insurance quote with USAA and GEICO on the same day.

I ran it for Honolulu, Hawaii for a married O-4 in the Air Force with a 2015 Mazda 3.

  • Comprehensive and Collision $1000 deductible
  • Bodily Injury Liability $500,000/$1,000,000
  • Property Damage Liability $300,000
  • Uninsured Motorists Bodily Injury stacked $500,000/$1,000,000
  • Underinsured Motorists Bodily Injury stacked $500,000/$1,000,000
  • Personal Injury Protection (PIP) $10,000 per person, $1000 deducitible
  • Funeral, Wage, Death, Alternative Provider Service, Medical payments all declined
  • Road side assistance, $30/day rental car reimbursement, and accident forgiveness included

USAA Six-Month Premium is $483.56 vs. $432.30 GEICO with military discount quote. At least for my quote, GEICO saved me $50 over six months versus going with USAA.

I am currently a USAA car insurance customer and do not plan on switching at this time. USAA has treated me well over my 12+ years of membership and $100/year of savings is not enough savings for me to abandon them for GEICO.

GEICO vs USAA

This is the battle royale for military servicemembers when it comes to cheap auto insurance. Who is cheaper: GEICO or USAA? Does USAA or GEICO have better customer service?

User's on Reddit report that switching from USAA to GEICO saved $900, $1200, or even as much as $2000 per year on their insurance. Here was one quote that summarizes people switching from USAA to GEICO:

19 years of USAA insurance and I switched to GEICO this month. Two houses and two cars covered for $950 a year less with GEICO including increased coverage limits. No amount of customer service is worth that much to me.

JD Power ranked all auto insurance companies on their site based on consumers auto insurane claims experience. USAA received 5 stars in all categories except rental car experience. GEICO was 3 stars overall and in most categories.

USAA Military Discount

USAA as a company specifically caters to military families and veterans. USAA Membership is restricted to Active duty, Guard or Reserve, a veteran, an eligible family member, or a cadet or midshipman.

Eligible USAA family members are widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage and individuals whose parents were USAA members.

USAA offers many discounts to military families on top of their already low insurance rates.

Family Discount – Continue the USAA Auto Insurance tradition that your parents started and you could save up to 10% on your own policy.

Length of Membership Savings – You can get a discounts for sticking with USAA for years.

Military Installation Discount – Save up to 15% on comprehensive coverage when you garage your vehicle on base.

Currently I get $104.95 worth of discounts on my USAA auto insurance policy. This includes $95.79 of savings for having renters and umbrella insurance with USAA, length of membership, and military service discount.

GEICO Military Discount

GEICO offers a general 15% discount on their auto insurance for active duty, retired military, Guard, and Reserves. You can also get an Emergency Deployment Discount if you are deployed and store your car.

Additionally, GEICO offers a discount if you are a member of Navy Federal Credit Union NFCU.

Final Thoughts on Military Auto Insurance

Running an auto insurance quote is quick and easy. Check out Insure.com and see if you can save hundreds or possible thousands of dollars with USAA or GEICO auto insurance. Let us know in the comments what your rates were!

Military Car Insurance FAQ

Is USAA auto insurance only for military?

Yes, in order to qualify for USAA auto insurance, you must be a USAA member. You are eligible for USAA membership if you are active duty, Guard or Reserve, a veteran, an eligible family member, or a cadet or midshipman. Eligible family members includes children of parents who are USAA members.

Is USAA the cheapest car insurance?

It depends on where you live. USAA can be the cheapest car insurance but it is worth 15 minutes of your time to get a quote from another auto insurance company. Some people report saving hundreds or even thousands of dollars by comparing auto insurance quotes.

Is USAA cheaper than Progressive?

USAA can be cheaper than Progressive insurance, but it depends a lot on where you live, how many cars you have, how much you drive, and how old you are. I usually compare car insurance quotes annually and every time I PCS from the top insurance companies to ensure that I'm still getting the best rate with USAA.

Is USAA better than GEICO?

USAA typically has an extremely high customer satisfaction ratings vs GEICO's usually more average rating. However your experience can vary depending on the claims adjuster or insurance agent you interact with at the company. It's hard to say if USAA is better than GEICO, but you can compare auto insurance quotes, try their service, and see for yourself which one you prefer.

Which car insurance companies have military discounts?

USAA and GEICO are the 2 most popular car insurance companies with military discounts. USAA frequently ranks highest for customer satisfaction and both companies offer some of the lowest insurance premiums available. The Progressive military discount offers up to a 15% in savings for military and immediate families. Allstate and Liberty Mutual “salute veterans” but do not offer a specific military discount.

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