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Best Car Insurance for Veterans and Military Personnel

Feb. 28, 2017
Auto Insurance, Insurance
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If you’re a veteran or active member of the military, you and your family might be eligible for some of the best car insurance rates around.

Some insurance companies, such as USAA, offer insurance exclusively for veterans, active-duty military and their families. Others provide special discounts and services targeted at the military market.

Military car insurance considerations

Car insurance companies that market to service members are aware of the special circumstances those customers might face, such as an overseas deployment, which might necessitate storing a vehicle and suspending or canceling coverage.

If you’re facing deployment and trying to decide what to do about car insurance, consider factors such as your location, your military car insurance provider, your reason for needing coverage and the length of time you’ll be away. Check with your agent or insurance company to determine the best strategy.

Who offers military car insurance discounts

 DiscountWhere it's offeredEligibility rules

10%MassachusettsMust be deployed on active military duty more than 100 miles from where car is garaged.


Up to 15%Nationwide (eligibility varies)For those on active duty, retired, or a member of the National Guard or Reserves. Those with emergency deployment orders and members of certain professional organizations also may be eligible for discounts.

  • Up to 15% off if you garage your vehicle on a military base
  • Up to 90% for deployed active military members if car is stored in a secure location
  • Active, retired and honorably separated military officers and enlisted personnel
  • Officer candidates in commissioning programs
  • Adult children and surviving spouses of USAA members who have or had a USAA auto or property insurance policy

Remember to shop around

If you’re a veteran or active member of the military looking to compare car insurance, take advantage of discounts available to you. Shop for the best deals, get quotes and compare rates before deciding on the military car insurance policy that’s the best for you.

Don’t stop looking for savings just because you’re getting a special military or veterans discount. Other savings available to all drivers who qualify are also available to you, such as discounts for safe drivers and for customers who bundle home and auto insurance policies.

USAA, for example, offers discounts if you’ve maintained a clean driving record for five years or if your vehicle is 3 years old or less. You might qualify for more savings if you complete a defensive driving course or if you cover two or more vehicles with your policy, for example. And some insurance providers offer loyalty discounts.

You can get quotes instantly using NerdWallet’s car insurance comparison tool.