Best Car Insurance for Military and Veterans (2025)

The U.S. is home to more than 2 million active-duty military personnel and 17 million veterans, according to census data.1 2 If you’re an active-duty member, veteran, or family member of someone who served, you can find cheap car insurance to help cut costs. Auto insurance companies offer discounts specifically for members of the military community.

While it’s a good idea to shop around and compare quotes from multiple companies, you’ll likely find that USAA, which specifically caters to the military community, offers the lowest rates.

Here’s what you need to know about military car insurance.

Best car insurance for veterans and military

Here’s an overview of the best car insurance companies for veterans and members of the military.

Best insurer for customer service: USAA

Best insurer for veterans: Liberty Mutual

Best insurer for military discounts: GEICO

Cheapest car insurance for veterans

Your car insurance rates as a military member or veteran depend on your age, location, ZIP code, driving record, vehicle, and more. But you can get cheaper car insurance with these tips:

• Shop around. Do your research and get car insurance quotes from at least three auto insurance companies. This way, you can compare your options and make an informed decision for your unique needs.

• Ask about discounts. Find out whether you’re eligible for a military discount or other discounts like a loyalty discount, multi-car discount, and anti-theft device discount. A licensed insurance agent can help you learn more about which discounts are available to you.

• Bundle coverage. If you have home insurance, condo insurance, renters insurance, life insurance, or another type of coverage, you may want to bundle it with your auto insurance. Many insurers offer bundling discounts.

• Review and adjust your policy. You can adjust your comprehensive and collision deductibles and coverage. Higher deductibles and less coverage usually mean cheaper premiums. Just make sure you can afford a more expensive deductible and you have enough protection on the road.

Here are some of the cheapest car insurance companies for active-duty military personnel and veterans.

Military discounts by insurance company

Some car insurance companies offer exclusive military discounts, but how much you’ll save depends on the insurer and your unique situation. It’s a good idea to work with an insurance agent or contact the insurance company directly to get more information about discounts you qualify for.

Even though many auto insurance companies don’t have military-specific discounts, you can still take advantage of low rates and other discounts that may apply to you.

What to do about car insurance during deployment

If you’re deployed, don’t cancel your car insurance, because it causes a lapse in coverage. A lapse in coverage can make it difficult to get auto coverage in the future. Depending on your situation, you may be able to suspend your policy. The Texas Department of Insurance recommends storing your car so no one can drive it and making sure you set up automatic payments for your premiums while you’re away.3

USAA asks that you call a representative at 1 (877) 2-DEPLOY or go to the USAA website to inform it of your deployment. You may be able to get a vehicle storage discount if you store your vehicle on base.

Depending on the state you live in, you may have to fill out an affidavit of non-use document, which notifies the state that you won’t drive your vehicle for an extended time. Don’t forget to research or ask an agent whether you qualify for any deployment discounts.

Once you return from deployment, contact your insurer to restart your coverage. Then, ensure your vehicle registration is valid and update your insurance information on any required paperwork.

Military car insurance FAQs