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Car insurance coverage for military personnel can vary by company and type of coverage. Some companies, like USAA, cater solely to military personnel and their families. More broadly, other companies will simply offer you a discount for your service. Either way, if you’re a military member, you should consider the wide range of auto insurance options that are specifically designed for you.
Members of each branch of the United States military may receive different discounts and benefits from car insurance companies. Learn more about specific discounts by military branch via the below links:
In addition to auto insurance companies wanting to serve those who have served their military, the circumstances surrounding military members present unique opportunities for insurance companies. This refers to overseas deployments; during deployment, the long separation between car and driver usually results in the long-term storage of the vehicle or the suspension or cancellation of coverage. The benefit of working with a company that specializes or understands military service is that this policy change can be pretty straightforward.
If you're deployed and aren't sure what to do with your insurance policy, consider what's called storage coverage. Basically, this removes all coverage except your comprehensive coverage which would protect your vehicle in the event it's vandalized, stolen, or damaged by weather. Here are the benefits of storage coverage:
The exact requirements and savings for storage options vary by insurers, so if you’re planning on putting your vehicle into storage for a reduction of coverage, you should speak with your local agent for details. The other consideration for storage coverage has to do with your registration, which we will explain below.
If you are going to be storing your vehicle long-term, you should also consider the registration implications. Most insurance companies will recommend you file an affidavit of non-use with your state department of motor vehicles. This affidavit allows you to maintain registration on a vehicle that is both not in use and not currently insured for liability coverage. Like your insurance company, the DMV will require you to securely store this vehicle in order for you to qualify for the affidavit. Check with your state DMV department for details.
If you are a member of the armed forces, you may qualify for special auto insurance discounts. Special discounts apply to military families from many carriers. Also, you may benefit from general discounts offered to all drivers. Things such as bundling home and auto policies, having a good credit score, and keeping a clean driving record could help you find additional savings. Below you'll find a rundown the average car insurance discounts that military members can expect.
In our 2017 analysis of the State of Insurance, we discovered that out of every occupation, military members receive the biggest discount — but not by much. On average, those in the military pay 2% less than other professions. This doesn't include military-specific discounts, however. This is simply using your profession as a rating factor. For special discounts that are specifically tied to your status, keep reading.
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There are a lot of insurance companies that offer special accommodations for military members and their families. Some have programs built entirely around past and present military members, and others that recognize military 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 made up of active duty or retired military members as well as adult children or surviving spouses of USAA members. USAA is ranked pretty high in customer satisfaction — they came in second in overall satisfaction rate in JP Power's Insurance Shopping Rating Survey for 2017. 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 as well as an accompanying discount of up to 15%. GEICO offers more options through its Emergency Deployment Discount when members are deployed.
If you're an active-duty military member, you should search for the wide range of products that are available and cater specifically for you. The nature of your deployment in terms of storage and registration predicaments can complicate your policy. It is your company's job to help guide you through these cumbersome details.
But, you should consider that even if your auto insurance premium reflects a military discount, you could still get a better rate elsewhere. Here are some of our quick tips on getting auto insurance as a military member: