Active Duty Military Car Insurance

Active duty military car insurance requires a unique policy, and many auto insurance providers are aware of this. Car insurance companies offer flexible policies for active duty military auto insurance, and drivers in the military should always ask about military car insurance discounts to save money. Enter your ZIP code below to start shopping for free active duty military auto insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to know...

  • Active duty members of the military have special auto insurance needs. Car insurance providers understand this fact and will do their best to accommodate these needs
  • You can choose to purchase auto insurance coverage from insurers that provide exclusive coverage to military personnel or regular auto insurance providers
  • There are a lot of auto insurance discounts for both active duty and retired military personnel and their families – take advantage of them

It’s not possible to avoid car insurance, legally or otherwise, regardless of where you come from or the line of work you are in. Even military personnel on active duty will be required to carry some level of car insurance depending on their geographical locations.

If you move to a new state or you just bought a new car, take your time to understand what is required of you vis-à-vis car insurance. Auto insurance can be expensive, so take advantage of the military discounts available.

In addition to that, compare quotes from various providers before you decide to purchase from a particular insurer. Get started comparing quotes right now by entering your zip code above.

Military Auto Insurance Rates


Some of the best car insurance rates in the market are available for active duty military personnel, veterans, and their families. Auto insurance providers offer discounts specifically targeted at servicemen and servicewomen as well as their kin.

Other auto insurance companies sell auto insurance policies exclusively for active duty military personnel, veterans, and their families.

A good example of an auto insurance companies that provide car insurance only for service members is USAA and AFI.

Some servicemen and servicewomen swear by military-oriented auto insurance providers for the best prices. You may end up missing out on better auto insurance deals just because you didn’t compare quotes. Shop around!

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Car Insurance Discounts for Active Duty Military

If you are in the military, you and your immediate family qualify for some of the best auto insurance deals in the United States. These discounts apply for both active duty and retired military personnel.

Not all auto insurance companies are the same; some offer more discounts to military personnel than others.

Below are some of the companies that offer the best auto insurance discounts for active duty military personnel:

Armed Forces Insurance

In conjunction with Progressive, armed forces insurance provides insurance for military personnel in 28 US states.

Here, you will find some of the best auto insurance discounts, but you will have to provide documents showing that you are on active duty or were honorably discharged. The company is owned by the members and is non-profit.

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GEICO offers some of the best auto insurance rates for members of the military. The lower rates are a combination of lower premiums and auto insurance discounts. Some of the discounts available at GEICO include:

  • If you are or were in the military, you are eligible for a 15 percent discount irrespective of your active status.
  • Organizational discounts. If you are a member of the National Infantry Association (NIA), Fleet Reserve Association (FRA), or Association of the U.S. Army (AUSA), you are eligible for a discount.
  • At GEICO, you can get 25 percent off your comprehensive coverage if you are deployed in an imminent danger pay area.

GEICO was initially targeted to meet the insurance needs of federal employees and some categories of enlisted military personnel. For that reason, most active duty or retired military officers will find their services accommodating.

Before you purchase coverage, make sure that you compare with other providers. Who knows, you may even find a better deal.


USAA is arguably the best auto insurance provider for active duty members of the military. Active duty members find the auto insurance deals at USAA favorable due to a good combination of cheap base rates and great discounts. These include:

  • A 15 percent discount on your car insurance if you live and park your car at a military base.
  • If you are deployed, you are eligible for up to 90 percent discount on your auto insurance as long as your car is in a safe location.

Other auto insurance companies such as State Farm, Nationwide, Farmers, and Esurance also offer some good auto insurance deals for active duty military personnel. Don’t let your car insurance lapse.

If you take advantage of these discounts, you may end up paying a little over $100 in auto insurance per year.

A lot of active duty military personnel are deployed overseas every year. Upon deployment, you have the option to leave your car in storage or have someone else drive it in your absence; most people prefer the former. In storage, the insurer will allow you to drop some coverages.

Retain the Comprehensive Part of the Coverage in Storage

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The comprehensive coverage will pay for the car if the garage where your car is stored is swept by a tornado or burns down with your vehicle inside. It’s for your own protection. 

If your car is leased or financed, you will not be allowed to drop both collision and comprehensive coverages.

Also, since you will be dropping your auto liability coverage too, you will be required to turn in your registration and license plates, and you can get them back upon re-registration when you return.

Active Duty Military Auto Insurance Considerations


Military personnel has special auto insurance needs, and providers do their best to accommodate them. Sometimes, vehicles initially insured and registered in a particular state have to be taken to another state for service orders.

In some cases, the car has to be stored when the owner is away on active duty.

Auto insurance providers understand these circumstances very well and will cancel or suspend coverage if need be. 

When trying to decide what to do with car insurance, consider factors such as the duration that you will be away, your reason for needing coverage, your military auto insurance provider, location, et cetera.

You can reach out to your agent or auto insurance provider for advice on the best way forward. Making the wrong choices can increase your auto insurance rates dramatically.

Remember, before you settle for a particular provider, compare quotes! Enter your zip code below to get started!



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