As a member of the U.S. military, looking for car insurance coverage can present unique challenges.
It can be difficult to determine which is the best auto insurance policy for you because of the multiplicity of factors that go into your policy.
In addition to your military experience and history, many factors can affect your personal automobile policy premiums and options. While some variables are not in your control, many others are, and learning about these can help you keep costs down.
In this article:
- Cost of Car Insurance for Military Members
- Best Insurance Companies for Military
- How to Lower Your Car Insurance Rates
How Much Is Car Insurance for Military Members?
Car insurance isn’t cheap, but it’s necessary to protect you, your passengers, and your vehicle.
Although you’re a full- or part-time member of the U.S. Army, Navy, Marine Corps, Air Force, or Coast Guard, you might need to stretch your muscles to find affordable insurance.
Your military record won’t be the only thing insurance companies look at, there are many variables that go into calculating the costs of your car insurance policy.
The following factors may impact your premiums:
- Marital status
- Driving history
- The value of the car(s) you wish to insure
- Credit history
- Annual mileage
Average Cost of Auto Insurance for Military Personnel
Although you still need to do some legwork, we’ve gathered data about prices for the best car insurance for military personnel in several circumstances.
In some cases, you may only earn a military discount if you meet other requirements, such as a clean driving record with no traffic violations or accidents for a sustained period.
You’ll see that premium costs vary widely, so make sure you get at least three quotes from multiple providers and remind agents that you serve your country in the U.S. Armed Forces.
- A male driver with six to eight years of driving experience, a clean driving record, who drives approximately 7,600 to 10,000 miles per year, can expect to pay between $539 and $2,011 annually for a standard policy on a Toyota Camry in Oceanside, California (just outside of Camp Pendleton Marine Corps Base). His average yearly premium would be $938.
- A female driver with the same factors may pay similar rates, from $515 to $2,030.
If the same male driver adds one accident and one speeding ticket to his record, his rates would increase significantly, from $1,030 to $4,817.
How Does Car Insurance Work for Deployed Military?
As a member of the armed forces, you have other considerations to examine when choosing car insurance.
As you may know already, deployment is an especially tricky situation when considering an insurance plan because the way it is handled determines future costs.
For instance, if a customer decides to cancel coverage because of their deployment, whenever they decide to re-register the vehicle premiums are going to be higher because of the gap in coverage time. Furthermore, an uninsured vehicle can suffer damage even if stored, resulting in out-of-pocket expenses.
Some of the best car insurance companies for veterans and service members grant discounts to stored vehicles during deployment as long as certain requirements are met.
Best Car Insurance Companies for Military Personnel
These well-established auto insurers are the top 10 car insurance providers for military members.
- Kelly Klee
- State Farm
- Liberty Mutual
Progressive offers discounts to military members in some states, and drivers that switch to their policies save an average of $668.
They are the recipient of multiple awards relating to the military, including the 2018 Top 100 Military Brand medal.
They offer Multi-policy or “bundling” discounts on a variety of products, and customers that choose to insure both car(s) and home(s) get a double discount.
Good drivers can save money using Progressive’s Snapshot® program, which personalizes their rate based on their driving.
Progressive provides its quote alongside quotes from competitors, helping customers make comparisons about products and prices quickly.
Insuring both active-duty and retired military veterans, USAA offers some of the best car insurance for military personnel as well as financial services.
USAA was founded by 25 U.S. Army officers in 1922 to provide low-cost insurance options for those serving their country.
A veteran or the immediate family members of veterans may qualify for a military service discount on car insurance, but this option is only available to those vets with a clean driving record for up to five years or on a car that is less than three years old.
Flexible payment plans are offered at no additional cost, and it’s easy to manage your auto policy from your mobile device. Discounts are available for auto and home bundling (ten percent), safe drivers, serving and parking your car at a military installation, and length of membership.
Pairing the veteran discount with other price breaks, such as having multiple policies, may save you more money.
USAA is known for its excellent customer service to military personnel, veterans, and their families.
While Kelly Klee doesn’t offer a military discount, it can search for companies that do.
A private insurance broker, Kelly Klee has coverage advisors that do the research for you, making custom recommendations and saving you time.
This company specializes in affluent markets, so it may also meet your needs if you drive a luxury or vintage automobile.
Kelly Klee partners with major insurers who focus on the more affluent markets, including AIG, Chubb, Haggerty, Encompass, Nationwide Private Client, Pure Insurance, and the Cincinnati Insurance Companies.
QuoteWizard is an automobile insurance pricing service that’s provided quotes for more than 500 million individuals.
The company reviews and compares plans for 30 auto insurers and can include data on which insurers offer discounts on military insurance.
Two different companies can be compared head-to-head, providing easy-to-read data. Since QuoteWizard doesn’t require any personal information to get started, there is no risk involved in the process.
MetLife is a standard in the insurance industry, being in business since 1868. They offer group and organization discounts, so be sure to inquire about price cuts for military members.
Protect your family and your assets while taking advantage of good driver discounts and savings for each accident-free year of driving.
This company features replacement coverage for total loss, identity theft protection, among others. MetLife sends free online quotes quickly, and the average savings for customers who’ve switched is $586.
It’s easy for drivers to earn a five percent discount at Esurance simply by starting their online quote process, and additional discounts for military personnel are available.
Esurance operates under the auspices of the long-established Allstate company, providing discounts for multiple cars, drivers and for those using DriveSense®, an app that helps drivers monitor and improve their road skills
. Esurance has a wide network of agents nationwide, and the company matches drivers with local agents who can assist them on a more personal level.
Drivers who switch to State Farm automobile insurance save an average of $526.
Drivers under 25 who’ve had a clean driving record for the past three years may qualify to save 15% off military insurance premiums with Steer Clear®.
Other discounts, including one for vehicle safety, are available.
State Farm also offers specialty insurance for classic and antique military vehicles, along with 24-hour Good Neighbor® claims service.
Headquartered in Boston, Massachusetts, Liberty Mutual is the fourth-largest insurance provider in the United States.
With its long history and solid business record, Liberty offers a 12-month rate guarantee, specialty car insurance, new car replacement, and the earned benefit of Accident Forgiveness®.
Liberty Mutual provides customized coverage, so drivers pay only for what fits their needs.
In 2017, members of Liberty Mutual’s commercial organization received the Patriot Employer Award, which recognizes efforts made by managers to support current military members, veterans, and employees.
Allstate offers safe drivers valuable discounts, even providing reimbursement for every six months of accident-free driving.
The company encourages members of the military to provide proof of service to qualify for discounts, and reminds drivers to check frequently with its agents to learn about new discount programs.
Other discounts include price breaks for drivers who use cars with anti-lock breaks, and their Premiere discount for drivers with a three-year clean driving history. For those who want a personal touch, they can reach out to one of Allstate’s 12,000 local brokers and ask about a bundling discount.
Under the Travelers umbrella, drivers can find multiple military car insurance policy discounts, including loan gap coverage and breaks for hybrid or electric vehicle drivers.
Customers who have no gap in their coverage are eligible for up to a 15 percent discount, and customers can save even more by choosing from a group of easy payment plants.
With claims reporting available 24/7, Travelers lets military personnel file claims whenever they need to.
In addition to the insurers listed above, Armed Forces Insurance (AFI), based in Leavenworth, Kansas, offers membership to active-duty and retired members of the military.
Although AFI automobile coverage isn’t available in all states, it can write insurance policies through an affiliated provider.
Be sure to have your military service information on hand when speaking with agents or looking for online quotes and ask insurers what discounts they offer to military members.
There may be benefits available that aren’t stated in print or online.
How to Reduce the Cost of Your Car Insurance for Military Personnel
Always ask about specific discounts for military members or veterans. Regardless of whether specific insurers offer military breaks on their policies, there are many other discounts available, so seek out as many as you can.
A good credit record can keep your costs in check since drivers with higher credit scores tend to make fewer insurance claims.
If you already have a pristine credit score, do your best to keep it, and if not, takes steps to clean up your credit record as quickly as you can.
Here are some concrete ways for those serving our country to reduce monthly premiums and score the best car insurance for military personnel.
- Shop around and get at least three quotes from well-known insurers.
- Educate yourself about the basics of car insurance, and learn the language (from “adjustor” to “uninsured”) that brokers and websites use when discussing options and costs.
- Install an anti-theft device on your car and make sure you have the latest safety features available on your vehicle.
- Reduce insurance on older, less-valuable cars.
- Choose a higher deductible for your auto insurance policy.
- “Bundle” your auto insurance policy with another policy, such as homeowners or life insurance.
- Ask about low mileage discounts if you don’t drive very often or are facing deployment.
When searching for the best car insurance for military members, you’ll want to have the following information in front of you:
- Your age, where you live, and where you park your car(s)
- Your driving history
- The make, model, and year of the car(s) you wish to insure
- Estimated annual mileage
- Estimate of the assets you need to protect
With the research tips in this article, you should be able to find the best car insurance for military members at the right price for your budget.
Don’t forget to gather at least three quotes and always ask about military-friendly discounts, and thank you for your service to our country.*While we make every effort to keep our site updated, please be aware that "timely" information on this page, such as quote estimates, or pertinent details about companies, may only be accurate as of its last edit day. Huntley Wealth & Insurance Services and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.