Best Car Insurance for Marines

Find a car insurance company that will be always faithful to you and your family.

Car Insurance for Marines


As a Marine, medical and life insurance for you and your family are already covered. What you may not know is that your service can lead to significant car insurance benefits. Understanding the potential discounts and the details of auto insurance policies for Marines is crucial. Let's clear things up and explore auto insurance for Marines.


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




Who has the cheapest auto insurance for Marines?


Although Semper Fidelis is the motto of the Marines, that credo doesn’t apply to your auto insurance company: you’re not locked into a contract and can cancel your policy if you find a better rate elsewhere. Many companies value your time served and offer discounts as a way of showing their gratitude. We created a user profile to survey some top insurance options offering the lowest rates for Marines.


Cheap Auto Insurance for Marines

Company 6-month Premium for Marines 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 as a Marine can save you approximately $25 per 6-month policy (the greatest occupation discount available). While Nationwide has the smallest premium difference between Marine and “Other” occupation, the company's premium remains the cheapest for Marines. That’s an important consideration while looking for the cheapest insurance as a Marine: although a company might offer a larger discount, their high premium might offset the discount. In other words, don't choose a company specifically because of the discount.


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Handling your auto insurance while you’re deployed


The nature of deployment can create some unique situations for your auto insurance. If you’re deployed and no one will be using your vehicle, you might not want to pay for car insurance at all. Let’s break down your vehicle and auto insurance options during deployment.


Registration

Whether you’re being deployed or simply moving to a place where you will not need your vehicle, you should consider two things: your vehicle registration and your auto insurance. While it makes sense to cancel your auto insurance because you won’t be driving, you may actually run the risk of having your registration suspended.

If you’re going to be deployed for a long period of time and want to cancel your car insurance, you either need to cancel your registration or, if your state allows, “pause” it. Pausing insurance involves submitting an Affidavit of Non-Use or a Planned Non-Operation (PNO) to your state’s DMV. The former states the vehicle will not 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, see your state's DMV.

If you don’t want to totally void your insurance coverage, consider storage coverage. Let’s explore.



Storage Coverage

If your insurance company allows it, you can change your insurance coverage to "storage." Storange coverage drops your insurance to comprehensive only. This will typically protect your vehicle against vandalism, theft, and weather-related incidents (like flooding). While you would need to follow the same registration guidelines listed above, this is a good idea if you still want to protect your vehicle. Since the vehicle does not have any collision or liability insurance, it’s a good idea to keep this vehicle stored in a garage or similar environment.

A thing to keep in mind with this option is whether your state monitors vehicle registration. Texas, for example, actively monitors registration by running regular reports to ensure all vehicles that are registered are insured. Because storage coverage isn't registration compliant, you run the risk of having your registration suspended — even if your auto insurance company allows it.





Where to buy cheap car insurance for Marines


There are a lot of insurance companies that offer special accommodations for Marines and their families. Some have programs built entirely around past and present military members, and others recognize your Marine status and reward these customers with a discounted rate.

USAA

Probably the most notable provider of car insurance for military members is USAA. The company's clientele consists of active or retired military members, as well adult children or surviving spouses of USAA members. USAA is ranked fairly high in customer satisfaction, placing second in overall satisfaction rate in the 2017 JP Power Insurance Shopping Rating Survey. Available nationwide, USAA offers a few auto insurance discounts for Marines. 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 receive up to 90% off your rate.



Geico

GEICO was originally created as an insurer for government employees, and it still offers discounts for military service members through its Military Center. GEICO groups active, retired, and National Guard or Reserve members into a general umbrella of military personnel, and gives this group a discount of up to 15%. GEICO also offers an Emergency Deployment Discount for deployed military personnel.





Additional Resources and Ways to Save


Here are some additional ways to save and some additional resources to consider when looking for cheap auto insurance.

Double check for multi-policy: Keep all your insurance policies within one company! By bundling your home or renters insurance and your auto insurance, you could save hundreds on both policies.

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 very best way to make sure you're getting the cheapest rate is to double check for these types of discounts, but also to shop around every six months. Use The Zebra to shop hundreds of companies at once to find the best rate and coverage for you.


Start shopping today!


Additional Resources




Method to Our 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.

Some rate data may vary slightly throughout report based on rounding.


Recent Questions:

Best Car Insurance for Marines

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 Marines

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