Military car insurance rates vary dramatically by state. Where you are stationed matters as much as which insurer you choose. Compare rates for all 50 states plus DC.
Click column headers to sort. Rates are annual averages for full coverage.
| State▲ | Military Rate | Civilian Rate | Savings % | Mandatory Discount | No-Fault | Min Liability |
|---|---|---|---|---|---|---|
| Alabama | $1,680 | $2,100 | 20% | No | No | 25/50/25 |
| Alaska | $1,420 | $1,775 | 20% | No | No | 50/100/25 |
| Arizona | $1,560 | $1,950 | 20% | No | No | 25/50/15 |
| Arkansas | $1,620 | $2,025 | 20% | No | No | 25/50/25 |
| California | $1,740 | $2,175 | 20% | No | No | 15/30/5 |
| Colorado | $1,680 | $2,100 | 20% | No | No | 25/50/15 |
| Connecticut | $1,560 | $1,950 | 20% | No | No | 25/50/25 |
| DC | $1,620 | $2,025 | 20% | No | Yes | 25/50/10 |
| Delaware | $1,620 | $2,025 | 20% | No | No | 25/50/10 |
| Florida | $2,040 | $2,550 | 20% | No | Yes | 10/20/10 |
| Georgia | $1,740 | $2,175 | 20% | No | No | 25/50/25 |
| Hawaii | $1,080 | $1,350 | 20% | No | Yes | 20/40/10 |
| Idaho | $396 | $810 | 51% | No | No | 25/50/15 |
| Illinois | $1,440 | $1,800 | 20% | No | No | 25/50/20 |
| Indiana | $1,260 | $1,575 | 20% | No | No | 25/50/25 |
| Iowa | $1,080 | $1,350 | 20% | No | No | 20/40/15 |
| Kansas | $1,320 | $1,650 | 20% | No | Yes | 25/50/25 |
| Kentucky | $1,800 | $2,250 | 20% | No | Yes | 25/50/25 |
| Louisiana | $1,104 | $2,760 | 60% | Yes (25%) | No | 15/30/25 |
| Maine | $960 | $1,200 | 20% | No | No | 50/100/25 |
| Maryland | $1,500 | $1,875 | 20% | No | No | 30/60/15 |
| Massachusetts | $1,380 | $1,725 | 20% | No | Yes | 20/40/5 |
| Michigan | $2,160 | $2,700 | 20% | No | Yes | 50/100/10 |
| Minnesota | $1,260 | $1,575 | 20% | No | Yes | 30/60/10 |
| Mississippi | $1,500 | $1,875 | 20% | No | No | 25/50/25 |
| Missouri | $1,440 | $1,800 | 20% | No | No | 25/50/25 |
| Montana | $1,320 | $1,650 | 20% | No | No | 25/50/20 |
| Nebraska | $1,260 | $1,575 | 20% | No | No | 25/50/25 |
| Nevada | $1,620 | $2,025 | 20% | No | No | 25/50/20 |
| New Hampshire | $960 | $1,200 | 20% | No | No | 25/50/25 |
| New Jersey | $1,620 | $2,025 | 20% | No | Yes | 15/30/5 |
| New Mexico | $1,380 | $1,725 | 20% | No | No | 25/50/10 |
| New York | $1,800 | $2,250 | 20% | No | Yes | 25/50/10 |
| North Carolina | $1,200 | $1,500 | 20% | No | No | 30/60/25 |
| North Dakota | $1,080 | $1,350 | 20% | No | Yes | 25/50/25 |
| Ohio | $1,200 | $1,500 | 20% | No | No | 25/50/25 |
| Oklahoma | $1,560 | $1,950 | 20% | No | No | 25/50/25 |
| Oregon | $1,380 | $1,725 | 20% | No | No | 25/50/20 |
| Pennsylvania | $1,500 | $1,875 | 20% | No | Yes | 15/30/5 |
| Rhode Island | $1,500 | $1,875 | 20% | No | No | 25/50/25 |
| South Carolina | $1,560 | $1,950 | 20% | No | No | 25/50/25 |
| South Dakota | $1,080 | $1,350 | 20% | No | No | 25/50/25 |
| Tennessee | $1,380 | $1,725 | 20% | No | No | 25/50/15 |
| Texas | $1,620 | $2,025 | 20% | No | No | 30/60/25 |
| Utah | $1,320 | $1,650 | 20% | No | Yes | 25/65/15 |
| Vermont | $1,020 | $1,275 | 20% | No | No | 25/50/10 |
| Virginia | $1,320 | $1,650 | 20% | No | No | 30/60/20 |
| Washington | $1,380 | $1,725 | 20% | No | No | 25/50/10 |
| West Virginia | $1,500 | $1,875 | 20% | No | No | 25/50/25 |
| Wisconsin | $1,080 | $1,350 | 20% | No | No | 25/50/10 |
| Wyoming | $1,200 | $1,500 | 20% | No | No | 25/50/20 |
Rates are annual averages for full coverage (100/300/100, $500 deductible) for a 30-year-old E-5 with clean record, early 2026. Savings % compares military rate to civilian rate at same coverage level.
Low population density, fewer uninsured drivers, minimal traffic congestion. Good driving conditions year-round in most areas.
Rural state with low accident rates, well-maintained roads, and a small population. NAS Brunswick is the primary installation.
No mandatory insurance requirement (but recommended), low crime rates, and minimal traffic. Portsmouth Naval Shipyard is nearby.
Small, rural state with low accident and theft rates. Limited military presence keeps demand low.
Despite no-fault status, Hawaii has low speed limits, short commutes, and a strong military community that benefits from group rates.
Unique no-fault system with unlimited PIP benefits drives up premiums. Detroit has highest urban rates in the country.
No-fault state with high uninsured driver rate (20%+), frequent severe weather claims, and heavy traffic in military-dense areas like Tampa and Jacksonville.
Without the mandatory 25% military discount, Louisiana rates average $123/month. High lawsuit rates and severe weather drive costs.
No-fault state with high PIP requirements ($50,000). Dense urban areas near Fort Drum and NYC bases push rates up.
No-fault state with high PIP costs. Fort Campbell and Fort Knox areas have moderate rates, but state average is high.
Louisiana is the only state with a mandatory military discount written into law. Under RS 22:1482, all auto insurers operating in Louisiana must provide a minimum 25% discount to:
This is in addition to any voluntary military discounts the insurer offers. If you are stationed in Louisiana, verify that this mandatory discount is applied to your policy. It is not always applied automatically; you may need to request it and provide military documentation.
| State | Major Installations | Avg Military Rate | Best Insurer |
|---|---|---|---|
| Texas | Fort Cavazos, Fort Bliss, JBSA, Goodfellow AFB | $135/mo | USAA (HQ in San Antonio) |
| California | Camp Pendleton, Fort Irwin, NB San Diego, Beale AFB | $145/mo | USAA or Geico |
| Virginia | NB Norfolk, Quantico, Fort Liberty (nearby), Pentagon | $110/mo | USAA |
| North Carolina | Fort Liberty, Camp Lejeune, Cherry Point, Seymour Johnson AFB | $100/mo | USAA or AFI |
| Florida | Eglin AFB, MacDill AFB, NAS Pensacola, Patrick SFB | $170/mo | USAA (mandatory) |
| Georgia | Fort Stewart, Fort Eisenhower, Robins AFB, Moody AFB | $145/mo | USAA |
| Washington | JBLM, NB Kitsap, Fairchild AFB, Whidbey Island NAS | $115/mo | USAA or Geico |
| Hawaii | JBPHH, Schofield Barracks, MCB Hawaii, Tripler | $90/mo | USAA |
| Colorado | Fort Carson, Peterson SFB, USAFA, Buckley SFB | $140/mo | USAA |
| Kentucky | Fort Campbell, Fort Knox | $150/mo | USAA |
Updated 15 April 2026. Rate data from industry reports and insurer filings. State minimums from state insurance department websites.