Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Members of the military, veterans, and their families get some of the best auto insurance rates around
  • Several auto insurance companies specialize in providing auto insurance coverage for military personnel and their immediate families, active or retired
  • Auto insurance providers understand that military personnel need special coverage because of the circumstances that come with the job, such as overseas deployment
  • Auto insurance companies that don’t specialize in providing coverage for the members of the military offer exclusive discounts to veterans and military personnel in active duty
  • If you are military personnel, retired or active, the best way to get the best rates possible is to shop around and compare quotes from different auto insurance providers

Auto insurance coverage is necessary if you want to drive on United States roads without having trouble with the law.

If you are military personnel, there are a lot of discounts for you out there. Auto insurers understand the unique circumstances that military members face and are always ready to give them special discounted rates.

On top of the special military discounts, members of the military are also eligible for auto insurance discounts available to other people if they meet the requirements.

If you are in the military and need better auto insurance rates, start comparison shopping today by entering your ZIP code above!

Why Military Personnel Get Special Auto Insurance Rates


The primary reason members of the military get special discounts in auto insurance rates is deployment.

When you are deployed, you will just park your vehicle in a safe place and go on to serve the country. Nobody will be driving your car and thus significantly reducing the chances of and an accident and the subsequent claim.

If your car is safely parked in your garage, that minimizes the chances of the vehicle getting vandalized or stolen. The rates go down if your vehicle is parked in a military base; it is much safer in there.

Veterans get special discounts too; it’s a way of auto insurance companies showing gratitude for your service to the country.

Also, veterans don’t drive much. They don’t drive to work and back home. Veterans just use their cars to run a few errands thus reducing the chances of getting in an accident.

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Added Auto Insurance Advantages Exclusive to Military Personnel

Members of the military enjoy some unique benefits because of the nature of their job.

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Some of these benefits include:

  • During deployment, their auto insurance services are suspended
  • Auto insurance companies offer special options for members deployed to dangerous regions
  • Discount rates go up to 15 percent
  • Full-time access to the company to report any changes that may affect auto insurance, such as deployment
  • They get free long distance calls so they can make changes to the policy wherever they are
  • Their payment schedules are easily modifiable

Most of these benefits are general. Each auto insurance company has their own unique advantages.

Remember to ask around for all available benefits and discounts as you shop around and compare quotes.

Eligibility Criteria for Military Car Insurance


Each auto insurance company has its own definition of eligibility.

There are three primary ways of qualifying for military car insurance discounts:

  • If you are an active member
  • If you are a veteran
  • If you are an immediate member of a military personnel’s family (children, spouses, ex-spouses)

Eligible members get to enjoy all the benefits of available. However, some companies don’t extend the discounts the family members.

Others only provide discounts for active duty members only. Make sure that you ask who’s eligible for discounts when you get a quote.

Finding the Right Auto Insurance Coverage for Military Personnel


When it comes to searching for auto insurance coverage, the situation is a little different for military personnel. It could be harder to locate auto insurance policy that meets your personal needs.

All you have to do is make the right inquiries.

You’ll easily find out that auto insurance providers recognize your selflessness and are willing to help you secure coverage.

You could save up to hundreds of dollars in auto insurance depending on your current situation.

Here are a few tips to help you do that:

  • Only approach auto insurers who provide a military discount– It may not be as easy as it sounds. There hundreds, if not thousands of car insurance providers out there and they will all claim to offer military discounts. Do your research on their credibility to avoid getting duped.
  • Instead of dealing directly with an auto insurance provider, deal with an agent– Most of the agents have been in the auto insurance business for a long time, and they certainly know something that you don’t. They understand the needs of each and every person that approaches them. If you explain your situation correctly, they can help you secure the right coverage at a good rate.
  • Choose electronic funds transfer as your method of payment– Choosing EFT as your method of payment will get you a discount and is also a good way to ensure that payments are made on time even when you are deployed. Remember, payments can be automatically deducted from your income.
  • Live on the military base– Take advantage of the life on base to bring your auto insurance costs down. The base is considered a safe place and the chances of your car getting stolen are virtually non-existent.
  • Take advantages of the resources in your particular military branch– Each military branch (Navy, Air Force, National Guard, etc.). The department of defense has a lot of services available to military personnel. Check them out and see which of them apply to your particular branch.
  • Take advantages of the available discounts– Taking advantage of all the available discounts will reduce your auto insurance rates and help you secure sufficient coverage. You can do the same for your family too if the insurer gives the same discounts to immediate family members.

Following the above tips will help you get all the necessary coverage at reasonable rates, as you should. Get quotes from established insurers that meet all your personal requirements, compare, and settle for the best.

Try our FREE online quote tool and start comparing auto insurance rates today! Enter your ZIP code below to begin!