Best Car Insurance for the Navy

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Best Car Insurance for the Navy

You’ve prepared yourself for life on the sea — not in a vehicle. However, there are times when you’ll be on base and be in need of cheap car insurance, especially if it's temporary. Your career as a Navy man or woman fortunately does allow you have insurance benefits, as well as some policy specifications to consider. Let’s explore.

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

Who has the cheapest auto insurance for the Navy?

Although you’re contractually obligated to the Navy, you’re free to move from insurance company to insurance company as you please. So, in order to find the cheapest car insurance as while in the Navy, we created two user profile (outlined here) in which one user was in the Navy and the other wasn’t. Here are the results.

Cheap Car Insurance for the Navy

Company6 month Premium for the Navy6 month Premium for Other Occupation
State Farm$707$748

As you can see, your occupation in the Navy alone can save you $25 per 6-month policy (the greatest occupation discount available, for the record). Furthermore, while Nationwide offers the smallest discount for a Navy profession, their overall premium is the cheapest. That’s the important lesson to consider if you’re looking for cheap insurance while in the Navy. You shouldn’t only consider an insurance company just because they offer a discount. The overall premium might be greater than another company whose discount is less.

Handling your auto insurance while you’re deployed

The nature of deployment can create some unique situations for your auto insurance and your coverage. If you’re deployed or living on base and no one will be using your vehicle, you probably don't want to pay for insurance coverage at all. But, it’s a little more complicated than that. Let’s break down what your options are for not only your auto insurance but also your vehicle.


Consider two things as they relate to your vehicle: your vehicle registration and your auto insurance. While it makes sense to cancel your auto insurance because you won’t be using your vehicle, you actually run the risk of having your registration suspended — which, unfortunately, 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, you can “suspend” it. By suspending it, we are referring to submitting an Affidavit of Non-Use or a Planned Non-Operation (PNO) to your state’s DMV. An Affidavit of Non-Use basically states that the vehicle won’t be driven on public roadways and 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 cancel your insurance coverage and registration, we have another option. It’s called storage coverage. Let’s explore.

Storage Coverage

If your insurance company allows it, you could change your insurance coverage to "storage." With this coverage, your insurance is dropped to comprehensive only. Comprehensive coverage protects your vehicle again things like vandalism, theft, and weather-related incidents (flooding or hail damage). This kind of insurance coverage, however, doesn’t offer any protection against collision claims. Meaning, you would want to make sure your vehicle is secured in a place where it can’t be damaged by another vehicle, such as a garage.

Additionally, you’ll want to pay close attention to your state’s vehicle registration protocol. Because most states require any vehicle be covered by at least liability insurance, you’re not technically registration compliant. Again, you can mitigate this fear by filing an Affidavit of Non-Use, PNO, or just being *careful with when your vehicle’s registration will expire.

Be aware, some states, like Texas, actively monitor your vehicle’s registration. Which means they run regular reports to make sure all vehicles that are registered are insured.

Where to buy cheap car insurance for the Navy

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


Probably the most notable provider of car insurance for military members is USAA. Their clientele is exclusively active or retired military members as well adult children or surviving spouses of USAA members. USAA is ranked pretty high in customer satisfaction. They came in second in JP Power Insurance Shopping Rating Survey for 2017 overall satisfaction rate. Available nationwide, they offer a few different types of additional discounts for their clients. If you garage your vehicle on a secured military base, USAA can offer 15% off your premium. Moreover, if you’re currently deployed and you store your vehicle in a secured location, you can receive up to 90% off your rate.


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

Additional Resources and ways to save

Navy or not, sometimes auto insurance is just plain expensive. Here are some additional ways to save as well as 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 home/renters insurance and your auto insurance (or life) you could save hundreds on both policies.

Get life insurance: Some auto insurers offer life insurance either through them or 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. Only with us can you shop hundreds of companies at once to find the best rate and coverage for you.

Compare over 200 insurance companies at once!

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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’s automakers’ data.

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

Recent Questions:

Best Car Insurance for the Navy

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy:
  • Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately.
  • You drive frequently with passengers not covered by your health insurance - Even if you have outstanding health insurance for you and your family, that coverage does not extend to any of your passengers who aren't covered by your health plan.

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

Most states have a law about recovering unearned premium from insurance providers. Meaning that if you cancel your policy after you've paid your premium, especially at a renewal, you should be able to collect a refund for any days you've paid for after the policy is canceled.

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

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.