Best Car Insurance for Army Personnel

Find well-earned discounts on car insurance for Army personnel.

What's the best car insurance for Army members?


As a member of the Army, remaining vigilant is what you've been trained to do. However, you may not have considered that carefully monitoring your car insurance is a great opportunity to save money. Army car insurance considerations include not only Army-specific discounts, but registration implications as well. Let’s explore the best car insurance options while serving.


Best car insurance for the Army
  1. Cheapest auto insurance for the Army
  2. Auto insurance while on active duty
  3. Where to buy
  4. Other ways to save




Who offers the cheapest auto insurance for the Army?


If you’re able to find a cheaper company elsewhere, feel free to leave your current company. In order to see which company offers the cheapest car insurance for Army personnel, we created a user profile in which the insured individual was in the Army. Let’s look at the results.


Cheap Auto Insurance for the Army

Company 6 month Premium for the Army 6 month Premium for Other Occupation
Allstate $766 $787
Geico $681 $710
Farmers $667 $679
Nationwide $623 $643
Progressive $701 $728
State Farm $707 $748
USAA $713 $740

Your service in the U.S. Army can save you approximately $25 per 6-month policy — the greatest discount available based solely on your occupation. Although a discount is always nice to have, it’s important to focus first and foremost on the overall premium. While Nationwide doesn't offer a large Army discount, its overall premium is still the cheapest.





Handling auto insurance while you’re deployed


Army deployment can create unique situations for your car insurance coverage. It may make sense to cancel your car insurance coverage, if you’re living away from your vehicle and no one is using it. But it’s a little more complicated than that. Let’s break down your options for your auto insurance and vehicle.


Registration

Most states require two things: that your vehicle is registered with the DMV and that it is covered by at least liability insurance. While it makes sense to cancel your auto insurance if you won’t be using your vehicle, you may risk having your registration suspended, which could result in a fine.

If you’re going to be deployed for a long period of time and want to cancel your auto insurance, you either need to cancel your registration or, if your state allows, “suspend” it. Suspending car insurance coverage involves submitting an Affidavit of Non-Use or a Planned Non-Operation (PNO) to your state’s department of motor vehicles. If you submit an Affidavit of Non-Use, you’re stating the vehicle won’t be driven on public roadways, and that its insurance has been canceled. The latter means you will not be using your vehicle during the next renewal year. For more information on this, refer to your state's DMV.

If you don’t want to totally cancel your insurance coverage and registration, storage coverage is another option. Let’s explore.



Storage coverage

If your insurance company allows it, you could change your insurance coverage to "storage." This will drop all your insurance coverage except for your comprehensive coverage - which protects you against damage caused by vandalism, theft, and weather-related incidents. Because it doesn’t offer any protection against collision claims, you’re going to want to store your vehicle in a secure location.

Because this coverage may not comply with your state’s registration and insurance laws, you should be wary of registration-related deadlines. If your registration is up for renewal soon, you should wait until it passes to add this coverage. However, if your state actively monitors registration (looking at you, Texas), you might not be able to do this. In this case, refer back to the non-use clause or the PNO.





Where to find Army car insurance discounts


Many insurance companies offer special accommodations for Army personnel and their families. Some maintain programs for active Army members and veterans, rewarding your service with a discounted rate. Here are some big companies worth considering.

USAA

Probably the most notable provider of car insurance for Army personnel is USAA. USAA's clientele consists of active or retired military, as well adult children or surviving spouses of USAA members. USAA is ranked pretty high in customer satisfaction, placing second in the JP Power Insurance Shopping Rating Survey for 2017 overall satisfaction rate. Available nationwide, USAA offers a few additional discounts. If you garage your vehicle on a secured military base, USAA offers 15% off your premium. If you’re currently deployed and you store your vehicle in a secured location, you can save up to 90% on Army car insurance quotes.



Geico

While GEICO was originally created for government employees, it offers discounts for military service members through its Military Center. It groups active, retired, and National Guard or Reserve members under the umbrella of military personnel, providing a discount of up to 15%. GEICO's Emergency Deployment Discount also offers options for active Army personnel during deployment.


Compare over 200 insurance companies at once!




Additional resources and ways to save


No matter what your job is, you’re probably paying more for auto insurance than you’d like. Here are some additional ways to save on auto insurance — no matter your occupation.

Double check for multi-policy: keeping all your insurance policies under one insurance company can reduce the number of contacts with which to deal, while providing a multi-policy discount. Consider this option if you have renters, homeowners or life insurance.

Get life insurance: Some auto insurers offer life insurance either directly or through a subsidiary. If they do, this will usually give you multi-policy as well.

Shop around: The best way to make sure you're getting the cheapest rate is to double check for discounts, but also to shop around every six months. Use The Zebra to compare car insurance quotes from hundreds of companies.


Compare over 200 insurance companies at once!


Additional resources




Method to the madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.


Recent Questions:

Best Car Insurance for Army Personnel

Can I avoid paying for insurance for my car while I am away for active duty military leave?

Aug 29, 2017

The car is owned by my father (because he has good credit) and I’m the co-signer. We took out a ...

How do I recover my refund if I canceled a policy the day after the renewal?

May 12, 2017

I had to renew my car insurance, forgot the date, and renewed the next day. One day later I found ...

Do I need PIP?

Jun 24, 2016

I am retired military and enrolled in Tricare. This covers the cost of any and all of my medical expenses....

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Best Car Insurance for Army Personnel

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