Military Car Insurance

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What is Military Car Insurance?


Car insurance coverage for military personnel can vary by company and type of coverage. Some companies, like USAA, cater solely to military personnel and their families. More broadly, other companies will simply offer you a discount for your service. Either way, if you’re a military member, 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 car and driver 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.





Car insurance after joining the military


Storage

If you're deployed and aren't sure what to do with your insurance policy, consider what's called storage coverage. Basically, this removes all coverage except your comprehensive coverage which would protect your vehicle in the event it's vandalized, stolen, or damaged by weather. Here are the benefits of storage coverage:

  • Lowered premium: storage coverage can lower your premium by as much as 90%.
  • Continuous coverage: because you technically still have car insurance, you avoid having a lapse or gap in your insurance policy.

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. The other consideration for storage coverage has to do with your registration, which we will explain below.



Registration

If you are going to be storing your vehicle long-term, you should also consider the registration implications. Most insurance companies will recommend you 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% less than other professions. This doesn't include military specific discounts, however. This is simply using your profession as a rating factor. For special discounts that are specifically tied to your status, keep reading.


Company6 month Premium for the Military6 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




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 made up of active duty or retired military members as well as adult children or surviving spouses of USAA members. USAA is ranked pretty high in customer satisfaction — they came in second in overall satisfaction rate in JP Power's Insurance Shopping Rating Survey for 2017. 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 an accompanying discount 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 and how to save


If you're an active duty military member, 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 your company's job 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 insurance 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 special 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.



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Recent Questions:

Military Car Insurance

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.