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 rates. Let’s explore some of the ins and outs of car insurance for those in the Army, including the cheapest companies.

Army car insurance
  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
Liberty Mutual
State Farm

average 6-month premium for army members

This pricing data is based on the methodology outlined here — a very generic user profile. 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 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 toinformyour 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 on when and when not to use your insurance coverage, see here.

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.


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Recent Questions:

Best Car Insurance for Army Personnel

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.

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.

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.

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.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.