Best Military Car Insurance For 2024

Which companies will offer the best military car insurance in 2024? If you are an active or veteran member of the military, you and your family may be eligible for the best auto insurance rates in 2024.

Best Military Car Insurance

When it comes to car insurance for military personnel, you want a provider that understands your unique lifestyle and needs. This article reviews auto insurance companies that provide military discounts, international coverage, and special services. We also dive into the best insurance providers for active-duty military and veterans based on our industry research.

6 Best Military Car Insurances for 2024

The best military car insurance options offer specialized coverage and discounts tailored to active-duty members, veterans, and their families. This guide will help you navigate the top choices available this year, so you can find the perfect fit for your budget and situation.


Who is USSA for? USAA serves former and current military members and their families, including active-duty personnel, veterans (including guard and reserve members), pre-commissioned officers, and their spouses and children.

This insurer is very special because it shines for its low average rates across different types of insurance policies. We’ve recognized USAA in our reviews as one of the top choices for both overall quality and affordable car insurance.


Geico provides up to a 15% discount on auto insurance for active or retired military personnel, National Guard members, reservists, and those in military professional organizations like the Navy Federal Credit Union. Military members can also receive up to a 25% discount during emergency deployments, under certain conditions, such as being deployed to “imminent danger pay areas” or properly storing their vehicles according to Geico’s approved plans.

Geico’s complaint numbers are about average compared to insurers of similar size, based on data from the National Association of Insurance Commissioners over the past the past three years. Your rates depend on your situation. With the military discount, Geico may offer a lower price that applies all the time, not just when deployed or living on a base. You’d need quotes from different insurers to find the best rate.

Liberty Mutual

Liberty Mutual offers a military discount for car insurance to active, retired, or reserve U.S. Armed Forces personnel. All customers can use the RightTrack program, which tracks safe driving habits for potential auto insurance discounts.

Veterans can also save money on Liberty Mutual car insurance in various ways:

  • Access discounts by buying your policy online.
  • Also, bundle your home and auto insurance for savings.
  • Use the Liberty Mutual Deductible Fund® to help cover your deductible after an accident.
  • Access accident forgiveness after five years without claims

Choosing a trusted provider is key for veterans and military families. Liberty Mutual, which has an A rating from the BBB, shows that most customers are happy with the company.

American Family

American Family offers a good variety of optional car insurance coverage and has a low rate of complaints about its auto insurance. This makes the company stand out despite its average pricing. Although it is not the best choice for military members, you can check out the coverage options and discounts offered by this insurer.


Who is it for? Farmer’s Insurance is an excellent option for those wanting to cut costs, thanks to a range of discounts, including a special rate for military personnel.

What sets it apart: Farmers provide a discount for active-duty military and veterans. It also features many other savings opportunities, such as paperless billing, bundling different insurance products, and timely premium payments.

Armed Forces Insurance

Like USAA, Armed Forces Insurance (AFI) caters exclusively to active and retired military personnel. An AFI car insurance policy covers you, your spouse, children, and other family members living at the same address, plus any licensed drivers who have your permission to use your car. In addition to serving military members, AFI also covers civilians who work for the military.

Since 1887, AFI has been offering military car insurance across the country. Besides car insurance, it provides homeowners, renters, and motorcycle insurance.

Amazing coverage options from this insurer include fire and flood insurance, valuable items insurance, umbrella insurance, and pet insurance. For military families, AFI provides standard car insurance with extras like roadside assistance and rental reimbursement for covered repairs.

How to Find the Best Military Car Insurance For 2024

To locate the best military auto insurance for veterans in 2024. The steps below may be able to help you out:

  • Reflect on your insurance priorities. When choosing the right car insurance, ask yourself whether you’re aiming for the lowest price or top-notch customer service. Reading reviews can help you focus your search.
  • Take military-specific needs into account. If you want an insurer familiar with your unique situation as a current or former military member, explore USAA. They cater specifically to military members, veterans, and their families, offering specialized options like coverage for vehicles left on base.
  • Determine the level of coverage you need. More coverage provides added reassurance but may come with higher costs. Consider whether you’re comfortable with your state’s minimum insurance requirements. If your budget allows, full coverage car insurance, combining liability, collision, and comprehensive insurance, offers superior protection. You can also opt for additional coverage like gap coverage, roadside assistance, and uninsured motorist coverage.
  • Seek quotes from various insurers. Compare car insurance quotes from several providers to find the best fit for you.

Who has the Cheapest Military Auto Insurance?

USAA offers the most affordable car insurance for veterans and their families, though rates can change based on where you live, your credit score, and your car’s make and model. Always shop around to find the most budget-friendly option for you.

We’ve shared some top auto insurance choices for veterans; now it’s your turn to pick the right one for your needs. The best provider for you often depends on who offers the best rates. Keep in mind that your age, car type, and driving history can influence your premium, so the ideal option for someone else might not work as well for you.