Compare the best car insurance options for active duty military, veterans, and deployed service members. Find exclusive discounts, deployment storage rates, and SCRA protections explained.
Average annual premiums and military discount percentages for top insurers. Storage rates are for comprehensive-only coverage during deployment or extended leave.
Best for: Active duty, veterans, military families
Available only to military members, veterans, and their families. Consistently top-rated for military customers.
Best for: Active duty stationed abroad, federal employees
One of the broadest military discounts of any large national insurer. Additional discount for emergency deployment.
Best for: Active duty, Guard, Reserve members
Focuses specifically on military. Offers flexible options for deployment scenarios including storage and suspension.
Best for: Veterans with complex driving histories
Strong usage-based Snapshot program can benefit deployed service members with low annual mileage.
Best for: Veterans needing local agent relationships
Wide agent network across the US and some overseas bases. Discount levels vary significantly by state and agent.
Best for: Families with multiple vehicles or bundling needs
Military discount combined with multi-car and home bundling can produce significant total savings.
Average premiums are national estimates for a 30-year-old with a clean record. Actual rates vary widely by state, vehicle, driving history, and coverage levels. Get quotes directly from each insurer. Updated 27 March 2026.
Estimate how much you could save by switching to a military-friendly insurer or claiming your discounts.
Estimated Military Discount
25%
Estimated Annual Savings
$450
Estimated New Premium
$1,350
Estimates only. Actual savings depend on insurer, state, vehicle, and driving record. Always get direct quotes from USAA, Geico, and Armed Forces Insurance for the most accurate comparison.
Military members can access several discount types: service member discounts (5-15% off premium), low-mileage discounts when stationed abroad or deployed, storage rates for vehicles not being driven, and bundling discounts for combining home and auto. USAA and Armed Forces Insurance are military-exclusive providers that often have the lowest overall rates for service members.
Yes. If your vehicle will be stored and not driven during deployment, you can typically reduce to comprehensive-only coverage (covering theft and damage while stored) at rates as low as $7-$15/month. Notify your insurer before deployment with expected dates. Some insurers have specific military deployment programs that allow quick reinstatement of full coverage upon return.
The Servicemembers Civil Relief Act (SCRA) protects active duty military in several ways: it caps interest rates at 6% on pre-service insurance contracts, protects against certain policy cancellations, and in some states guarantees your right to reinstate coverage at the same rates after deployment. Your state insurance commissioner's office can provide specific state-level protections.
USAA consistently ranks first in customer satisfaction surveys (J.D. Power) among military members and often offers the lowest rates for active duty and veterans. However, USAA is only available to military members, veterans, and immediate family. If you qualify, it should be your first quote. For those who do not qualify, Geico and Armed Forces Insurance are strong alternatives with explicit military programs.
If you are assigned to an overseas base and your vehicle is stored in the US, you can reduce to comprehensive-only storage coverage. If you ship your vehicle overseas, most US policies do not provide international coverage - you will need local coverage through a company operating in that country (often through the base). Notify your insurer of your overseas assignment as soon as you receive orders.
Discounts vary by insurer. USAA and Armed Forces Insurance serve both active duty and veterans equally. National insurers like Geico offer their military discount to active duty specifically, while veterans may qualify for lower rates through other discount categories (good driver, membership organizations like AUSA or VFW). Compare quotes specifically as a veteran vs active duty to see the difference.