Best Car Insurance for the Coast Guard

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What's the best car insurance for Coast Guard personnel?


If you’re in the Coast Guard, you're probably more focused on your next SAR mission than on finding the best rate on car insurance. Unless you're on the lookout for the best coverage, you could end up paying too much. Fortunately, your service in the Coast Guard gives you the opportunity to find some insurance benefits. Let’s explore car insurance for Coast Guard personnel.


Best Car Insurance for Coast Guard Members
  1. Cheapest auto insurance for the Coast Guard
  2. Auto insurance while on active duty
  3. Where to buy
  4. Other ways to save




Which company offers the cheapest auto insurance for the Coast Guard?


Even if you have a sense of duty to serve with the Coast Guard, you shouldn’t feel this connection to your insurance company. Unlike other services you might use, you’re not locked into a contract with your insurer. We created a user profile for US Coast Guard personnel and surveyed some top insurance companies. Let’s see which car insurance company is the cheapest.


Who Offers the Cheapest Auto Insurance for Coast Guard Personnel?

Company 6 month Premium for Coast Guard 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

Being in the Coast Guard can save you approximately $25 per 6-month policy — the greatest discount available based solely on occupation. Although a discount is always nice to have, it’s important to focus on the big picture. While Nationwide's Coast Guard car insurance discount is smaller than that of other companies, its overall premium is the least expensive. While discounts are nice, they may not justify the overall premium.





Handling your auto insurance during deployment


Deployment can create some unique circumstances for your car insurance coverage. While it may make sense to cancel your car insurance if you’re living away from your vehicle and no one is using it, this can actually have some unanticipated consequences. Let’s break down your options for your auto insurance and vehicle.


Registration

Most states have two requirements for your vehicle: that it is registered with your DMV and insured for liability insurance (at a minimum). Although it may make financial sense to cancel your insurance, you risk having your registration suspended, which could result in a fine. We have some solutions for this.

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 filling out an Affidavit of Non-Use or a Planned Non-Operation (PNO) to your state’s department of motor vehicles (if allowed under state law). If you agree to an Affidavit of Non-Use, you’re basically agreeing that the vehicle won’t be driven on public roadways and its insurance has been canceled. A PNO means you will not be using your vehicle during the next renewal year. For more information on this, contact your state's DMV.

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



Storage Coverage

If your insurance company allows it, you could change your insurance coverage to "storage." With this option, all your insurance coverage is dropped minus your comprehensive coverage. Your comprehensive coverage protects your vehicle against theft, vandalism, and weather-related events — damages that can happen if a vehicle is parked in a driveway.

You’ll want to be cautious of any registration-related deadlines. If your registration is up for renewal soon, you should wait until it passes to insure your vehicle under a storage coverage. However, if your state actively monitors registration (looking at you, Texas), you might not be able to do this. In which case, refer back to the non-use clause or the PNO.





Where to buy cheap car insurance for Coast Guard


Many car insurance companies offer special accommodations for those in the Coast Guard and their family members. Some have programs built entirely around past and present service members, and others reward your Coast Guard service with a discounted rate. Here are some big companies you should consider.

USAA

Probably the most notable provider of car insurance for military members is USAA. The company's clientele is comprised of active or retired military members, along with adult children or surviving spouses of USAA members. USAA is ranked high in customer satisfaction, placing second in overall satisfaction rate in the 2017 JP Power Insurance Shopping Rating Survey. Available nationwide, USAA offers several additional discounts. 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 save 90% on your rate.


GEICO

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




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Additional resources and ways to save


No matter what your job is, you’re probably paying more for auto insurance than you’d prefer. So, here are some additional ways to save on auto insurance - excluding and including military occupation status.

Double check for multi-policy: keeping all your insurance policies under one insurance company can help reduce the number of companies you have to deal with while providing a favorable multi-policy discount. Consider this if you have a renters/homeowners/life policy.

Get life insurance: Some auto insurers offer life insurance either directly or through a subsidiary. These insurers typically support multi-policy.

Shop around: The very best way to make sure you're getting the cheapest rate is to double check for discounts and to shop around every six months. Use The Zebra to shop hundreds of policies at once to find the best rate and coverage for you.





Methodology: 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.

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Ava Lynch
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.