Best Car Insurance for Army Personnel

Find well-earned discounts on car insurance for enlisted Army soldiers.

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What's the best car insurance for Army soldiers?

Those enlisted in the Army or Army Reserves earn a relatively sizeable car insurance discount. Compared to an unemployed driver, an insurance client enlisted in the Army earns a discount of $21 per six-month policy. Auto insurance companies rate premiums using historical data that show Army personnel are less likely to commit violations or file claims, relative to other professions. As such, enlisted women and men receive more affordable auto insurance quotes. Let’s explore some of the ins and outs of car insurance for those in the Army, including the cheapest companies.


Army car insurance — table of contents:

  1. Cheapest auto insurance for those in the Army
  2. Auto insurance on active duty
  3. Best insurance companies for Army members
  4. Other ways to save

Who offers the cheapest auto insurance for the Army?

As you might imagine, USAA offers the cheapest car insurance rates for Army or Reserves personnel. At $488 for a six-month policy, USAA is $246 cheaper than the group average. If you're interested in non-USAA options, GEICO is the second-cheapest insurance company.

Insurance Provider 6-Month Premium
Allstate $958
Farmers $781
GEICO $539
Liberty Mutual $974
Nationwide $579
Progressive $751
State Farm $807
USAA $488

average 6-month premium for army members

This pricing data is based on a very generic user profile (methodology outlined here). Any unique attributes related to your driving profile — such as age and driving record — are not factored into the rates above. If you’re looking for personalized quotes, enter your ZIP code below to see how much you could save.


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Car insurance after deployment

An Army or Reserve deployment may create a unique car insurance situation. It may seem logical 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.



Most states require two things: that your vehicle is registered with the DMV and that it is covered by 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 protect against collision claims, you should store your vehicle in a secure location.

Because this coverage may not comply with your state’s registration and insurance laws, 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, you might not be able to take this step. In this case, refer back to your non-use clause.



Where to find Army and Army Reserve 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.



The most notable provider of car insurance for Army personnel is USAA. USAA's clientele consists of active or retired military, as well as adult children or surviving spouses of USAA members. USAA earns high marks for customer satisfaction, placing second in the JP Power Insurance Shopping Rating Survey. Available nationwide, USAA offers a few additional discounts. If you garage your vehicle on a secured military base, USAA offers 15% off. 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.


While GEICO has expanded beyond its original status as an insurer for government employees, it still offers Army auto insurance discounts through its Military Center. GEICO groups active, retired, and National Guard or Reserve members under the umbrella of military personnel, providing discounts of up to 15%. GEICO's Emergency Deployment Discount also offers options for active Army personnel during deployment.



Additional resources and ways to save

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


Double-check for multi-policy savings

Bundling your insurance policies will reduce the number of insurance companies with which you have to deal and earn you a multi-policy discount.

Consider this option if you have established renters, homeowners, or life insurance policies.

average premium by bundling status

If you'd like more information regarding insurance bundling, see our guides:


Get the right coverage

If your vehicle is valued less than $4,000, you do not need physical coverage (collision and comprehensive). These optional coverage tiers protect your vehicle. However, if your car is not worth much, you could be overpaying for extra insurance.

Use Kelley Blue Book or NADA online to determine the value of your vehicle. If you decide to drop these coverages, consider adding uninsured motorist property damage coverage. This will protect your vehicle if it is damaged or totaled by an uninsured motorist or a hit-and-run incident.

Know when to file a claim

You should only file a claim after a car accident if the value of damage is greater than the rate increase you would receive plus your deductible. For example, an at-fault accident raised rates $303 per six months in 2018. Every insurance company will rate (i.e., charge) for a claim for at least three years. In this example, the $303 surcharge will equate to more than $2,100 in total rate increases.

Follow these steps to determine when to file a claim:

  1. Get a cost estimate for the damage independently.
  2. Use The Zebra's State of Insurance analysis to see how much an at-fault accident would raise rates in your state. Again, consider this surcharge over three years.
  3. Compare the three-year surcharge value plus your deductible to the out-of-pocket expenses you learned in step one. If it is cheaper to pay for your claim out of pocket do that.

*Depending on your policy requirements, you may need to inform your insurance company of the accident. This may cause your rates to increase. If your insurance company drastically increases your rates before your informing them of an accident, consider this an opportunity to switch insurance companies.

For more information, see our guide on when and when not to use your insurance coverage.

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 auto insurance options and get the best value from your next policy.

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Ava Lynch photo
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.