USAA averages $67/month for military members — the lowest rate of any major insurer. GEICO offers a 15% military discount. Here's how to get the best rate as an active duty member, veteran, or military family.
Who Qualifies for Military Auto Insurance Discounts?
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Active Duty
All branches — Army, Navy, Air Force, Marines, Coast Guard, Space Force
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Veterans & Retirees
Honorably discharged veterans and retirees from all branches
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Military Families
Spouses and children of eligible military members (USAA)
Best Auto Insurance for Military — Ranked 2026
#1 BEST FOR MILITARYA++ AM Best
USAA
The undisputed best auto insurance for military — if you qualify. USAA averages just $67/month, has an A++ AM Best financial strength rating, and consistently tops customer satisfaction surveys. Offers deployment coverage reductions, storage coverage, and military-specific features no other insurer matches.
GEICO offers a 15% military discount — one of the largest military discounts of any standard insurer. Available to active duty, reserve, and retired military. Strong military-specific features including emergency deployment coverage. Available to all military members and families, with no eligibility restrictions.
15% military discount • Available all 50 states • Emergency deployment coverage
No specific military discount, but Drive Safe & Save telematics saves up to 30%. State Farm has a large agent network near military bases and handles military-related situations (storage during deployment) well.
If your car will be stored while deployed, drop to comprehensive-only coverage. This removes liability and collision, cutting your premium by 40-70%. Never cancel completely — a coverage lapse raises your rate when you return.
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Tell your insurer you're being deployed
USAA and GEICO have streamlined processes for deployment coverage changes. Most will waive early cancellation fees for deployed members. Document everything in writing.
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Give power of attorney to a family member
A trusted family member with power of attorney can manage policy changes, pay premiums, and file claims while you're overseas. Set this up before deployment.
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Check for SCRA protections
The Servicemembers Civil Relief Act (SCRA) caps interest rates at 6% for pre-service debts, which can include some insurance payment plans. USAA automatically applies SCRA benefits; other insurers require you to request them.
Military Auto Insurance FAQ
USAA is the best at $67/month with A++ AM Best — but requires military eligibility. GEICO is the best alternative for all military members with a 15% discount and nationwide availability. Both are significantly cheaper than the national average of $209/month.
Active duty members of all branches, National Guard and Reserve members, veterans with honorable discharge, retired military, and their immediate family members (spouses and children). Cadets and midshipmen at military academies also qualify.
Yes — reduce to comprehensive-only (storage) coverage to cut your premium 40-70%. Never cancel completely. A coverage lapse of even 30 days can raise your rate by 10-20% when you return. USAA makes this reduction easy — call or do it online.
Yes — GEICO offers a 15% military discount for active duty, reserve, and retired military. GEICO is also one of the few major insurers with an emergency deployment provision that allows coverage adjustments without penalty fees.