If you’re in the military or a veteran, you still need car insurance to protect yourself from the cost of an unexpected car accident, just like a civilian. We found that USAA is the best car insurance for active-duty members of the armed forces and veterans.
USAA has the cheapest rates, plus it’s available nationwide and offers unique discounts for service members and vets. GEICO is our runner-up pick for the best auto insurance for veterans and members of the military.
Best military car insurance for most people: USAA
USAA is our pick for the best car insurance for drivers affiliated with the military. You’re eligible for USAA as long as you’re an active-duty, reserve, or veteran member of the military (or a family member of someone who served).
In terms of price, USAA is also the cheapest military car insurance out there. We looked at the cost of car insurance in the states with the most armed forces personnel and found that a full-coverage policy from USAA is 37% cheaper than average.
The five cheapest military car insurance companies.
USAA also has excellent customer service. J.D. Power ranked USAA at the top of its claims satisfaction study multiple years in a row. USAA also made our Policygenius list of the best auto insurance companies. 
Is USAA cheaper than GEICO?
Yes, USAA is $12 cheaper each month than GEICO, on average — a difference of $144 per year. But GEICO (or another company) could be a cheaper option for you. The best way to find affordable coverage is get multiple quotes and compare rates before choosing a policy.
Runner up for best military car insurance: GEICO
GEICO is our pick runner-up for best car insurance for veterans and military families. Unlike USAA, GEICO doesn’t exclusively offer coverage to members of the military, it’s available to everyone (and in every state).
Coverage from GEICO costs 28% less than average for most people and is just $12 more each month than USAA, so it remains an affordable option for military drivers looking for cheap coverage.
Also, GEICO offers special discounts for service members, like lower rates if you’re deployed, as well as a 15% discount to drivers who are in the military or are government workers.
If you work for the Department of Defense (or another government agency) and aren’t eligible for coverage with USAA, GEICO is the best insurance for you.
GEICO also offers savings if you’re a part of the following professional, military-related associations and affinity groups:
Association of the United States Army
Armed Forces Benefit Association
Navy League of the United States
Navy Federal Credit Union
How does a military car insurance discount work?
Active military members, veterans, and their families may all qualify for a military car insurance discount.
Car insurance companies all have their own standards around what type of military discounts to offer (and who qualifies for a discount) so when you’re applying for car insurance, make sure to indicate whether or not you’re a member of the military. If you’re not sure if you qualify for a discount, ask a representative.
While some car insurance companies offer standalone military discounts, others offer a military discount as part of an employer or industry-based discount. Often referred to as affinity discounts, these discounts can also apply to teachers, firefighters, nurses, and similar groups.
In order to qualify for a military car insurance discount, you’ll need to show proof of eligibility. Acceptable proof might include:
Report of separation (form DD-214)
Military ID card (Common Access Card or uniformed services ID card)
In most instances, veterans who are no longer active members of the military are still eligible for any military discount that car insurance companies offer. But every company is different, and coverage and available discounts can vary from one state to the next, so veterans should always ask whether or not they qualify for a discount before buying a policy.
Insurance companies with military discounts and benefits
USAA is the only major insurance company that’s exclusively for members of the military, but a few others offer discounts and perks to members of the armed forces and veterans.
If you’re in the military, you may qualify for perks from the following auto insurance companies:
Arbella: Save 10% if you're deployed on active duty at least 100 miles away from your home.
Armed Forces Insurance: Available to members of the military, vets, ROTC, and some civilian employees, AFI has a range of coverage options for members of the armed forces — but no discounts.
Farmers: Active-duty, active reserves, retired, and military veterans of the military may qualify for a discount from Farmers.
GEICO: Offers a 15% discount to members of the military and veterans, government employees, and members of military-related affinity groups. Also has special coverage for those who are deployed.
Liberty Mutual: Members of the military who are active, retired, or a part of the reserve forces of the U.S. Armed Forces may get a discount from Liberty Mutual.
USAA: Our pick for the best military car insurance and coverage for military personnel and veterans, USAA is exclusively for members of the armed forces and their families, and offers a range of other products and retailer benefits open to those who serve.
What is the best car insurance for military families?
USAA is the cheapest car insurance company for military families. A full-coverage policy from USAA costs an average of $87 per month in the states with the highest population of military personnel, making it the most affordable option for military families.
State Farm and GEICO also have cheap car insurance for veterans and service members, but State Farm doesn’t offer special military car insurance discounts.
Do you need car insurance if you’re deployed?
Unlike civilian drivers, it’s possible for active-duty members of the military to be deployed thousands of miles away from their vehicle — which may make car insurance seem a little unnecessary.
But you should keep your car insurance if you’re deployed, since there are some serious downsides to canceling your coverage while you’re on deployment.
Canceling your car insurance for the length of your deployment means you’d have to pay out-of-pocket for any damage that happens while the car is in storage. If someone else drives your car while you’re deployed and causes an accident while you don’t have coverage, you could still be responsible for paying for all the damage.
And when you return from duty and renew your policy, you’d also have to pay more for having a lapse in auto insurance coverage. Instead, you can still get cheaper military car insurance while overseas by:
Lowering the amount of liability coverage on your policy
Asking your insurer about deployment discounts
Dropping all coverage except comprehensive (usually called car-storage insurance)