What is the best car insurance for U.S. Navy personnel?

 

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 in the Navy allows you some auto insurance benefits, as well as some policy specifications worth considering.

 

Navy car insurance — table of contents:
  1. Cheapest auto insurance for the Navy
  2. Auto insurance while on active duty
  3. Where to buy car insurance
  4. How to save

 

Which company has the cheapest auto insurance for drivers in the Navy?

 

Although you’re contractually obligated to the Navy, you’re free to move from insurance company to insurance company as you please. In order to identify the cheapest car insurance for drivers in the Navy, we created two user profiles (outlined here) — one for a driver in the Navy and the other for a non-enlisted citizen.

 

CAR INSURANCE RATES FOR NAVY PERSONNEL — BY COMPANY
Company6-Month Premium — Navy6-Month Premium — Other Occupations
Allstate$766$787
GEICO$681$710
Farmers$667$679
Nationwide$623$643
Progressive$701$728
State Farm$707$748
USAA$713$740

 

A position in the Navy could save you as much as $25 per six-month policy (the most substantial occupational discount available, for the record). While Nationwide offers the smallest discount for a Navy profession, the company's overall premium is the cheapest among the insurance providers we surveyed. 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 it offers a discount.

 

 


 

How to handle auto insurance while you’re deployed in the Navy

 

The nature of Naval deployment can create some unique situations for your auto insurance 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 your options for auto insurance and your vehicle.

 

Auto registration and Naval deployment

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 during deployment

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 to 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.

Some states, like Texas, actively monitor your vehicle’s registration status, running regular reports to confirm every registered vehicle is insured.

 

 


 

Where to find cheap car insurance while in 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.

USAA

One of the most notable providers of car insurance for military members is USAA. The company's clientele consists of active or retired military members, as well as the adult children or spouses of USAA members. USAA ranks well for customer satisfaction. The provider came in second in the 2017 J.D. Power Insurance Shopping Rating Survey for overall satisfaction. Available nationwide, USAA offers a few additional discounts. If you garage your vehicle on a secured military base, USAA offers 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.

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 and offers this group a discount of up to 15%. GEICO also offers more options through the Emergency Deployment Discount, which is activated when a member is deployed.

 


 

Ways to save on car insurance

 

Whether you're in the Navy or not, auto insurance can be 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 homeowners insurance or renters insurance and your auto insurance, 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 furnish multi-policy savings as well.
  • Shop around: The 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. The Zebra allows you to compare hundreds of companies at once to find the best rate and coverage.

 

Compare insurance companies side-by-side!

or
Location pin icon
Your information is secure.

Additional resources




Methodology


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.

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


Recent Questions:

Best Car Insurance for Navy 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

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.