Military Car Insurance

Salute to savings for all military personnel and their families

What is Military Car Insurance?


Auto insurance for military and veterans can vary by company and type of coverage. Some companies, like USAA, cater solely to active military, veterans, and their families. More broadly, other companies will simply offer you a discount for your service. Either way, if you’re a veteran or active duty, you should consider the wide range of auto insurance options that are specifically designed for you.


In this article, we will discuss:

  1. Why is there a specification for military members?
  2. What to do with your car after deployment?
  3. What kind of discount can you expect?
  4. Where can I buy car insurance?
  5. How else can I save?



Car insurance rates by military branch


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:





Why is there a specification for the military?


The nature of deployment

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 driver and car 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.





Auto insurance after joining the military


Storage

If you do plan on keeping your policy active, your insurance company will require you to store your vehicle in a secure location or even a military base during this time. However, the savings can be a high as 90% on your premium. 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.


Registration

Moreover, if you are going to be storing your vehicle long-term, you should also consider the registration implications. Most insurance companies will recommend you to 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.





Average discounted rate for military members


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 2.0% less than other professions. This doesn't include military specific discounts, however. This is simply using your profession as a rating factor. For discounts that are specified tied to your status, keep reading.





Where to buy


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.


USAA

Probably the most notable provider of car insurance for military members is USAA. Their clientele is exclusively active or retired military members as well adult children or surviving spouses of USAA members. USAA is ranked pretty high in customer satisfaction. They came in second in JP Power Insurance Shopping Rating Survey for 2017 overall satisfaction rate. 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.


Geico

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 the accompanying discount of up to 15%. GEICO offers more options through their Emergency Deployment Discount when members are deployed.


Other companies that offer varying discounts





Military Car Insurance: Summed Up & How to Save


If you're an active duty military member or a veteran, 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 the job of your company 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:


  • Double check for multi-policy: keep all your insurance policies within one company! By bundling homeowners and auto insurance (or renters) 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 give you multi-policy as well.
  • Shop around: The very 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. Only with The Zebra can you shop hundreds of companies at once to find the best rate and coverage for you.
  • Check out our auto insurance guide for other ways to save: Here's a more general guide to saving on auto insurance, outside of military-related topics.



Start Shopping




Recent Questions:

Military Car Insurance

Can I avoid paying for insurance for my car while I am away for active duty military leave?

Aug 29, 2017

The car is owned by my father (because he has good credit) and I’m the co-signer. We took out a ...

How do I recover my refund if I canceled a policy the day after the renewal?

May 12, 2017

I had to renew my car insurance, forgot the date, and renewed the next day. One day later I found ...

Do I need PIP?

Jun 24, 2016

I am retired military and enrolled in Tricare. This covers the cost of any and all of my medical expenses....

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