10 Best Auto Insurance Providers for Veterans in 2025
Best auto insurance providers for veterans include Progressive, USAA, and Farmers, with rates starting as low as $38 per month. These companies provide customized insurance solutions and competitive rates specifically for veterans, ensuring comprehensive coverage that meets their unique needs.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Mar 19, 2025
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UPDATED: Mar 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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6,590 reviewsCompany Facts
Full Coverage for Veterans
A.M. Best Rating
Complaint Level
Pros & Cons
6,590 reviews
3,072 reviewsCompany Facts
Full Coverage for Veterans
A.M. Best Rating
Complaint Level
Pros & Cons
3,072 reviewsThe best auto insurance providers for veterans are Progressive, USAA, and Farmers, offering a seamless online experience and comprehensive coverage options, making them the top choice for veterans seeking both value and quality rates.
These companies are chosen for their ability to combine affordability with tailored services that cater specifically to the needs of veterans.
Our Top 10 Company Picks: Best Auto Insurance Providers for Veterans
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Online Convenience | Progressive |
 | #2 | 10% | A++ | Military Savings | USAA |
 | #3 | 25% | A | Local Agents | Farmers |
 | #4 | 15% | A++ | Policy Options | Chubb |
 | #5 | 29% | A | Student Savings | American Family |
 | #6 | 17% | A++ | Many Discounts | State Farm |
 | #7 | 25% | A | Customizable Polices | Liberty Mutual |
 | #8 | 25% | A | Local Agents | AAA |
 | #9 | 10% | A+ | Add-on Coverages | Allstate |
 | #10 | 25% | A++ | Cheap Rates | Geico |
These providers not only deliver competitive pricing but also ensure that veterans receive the respect and coverage they deserve.
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#1 – Progressive: Top Overall Pick
Pros
- Maximum Multi-Policy Discount: Progressive offers up to a 10% multi-policy discount, allowing veterans to bundle their insurance for savings.
- Maximum Low-Mileage Discount: With a potential 5% low-mileage discount, Progressive caters to veterans who may not drive frequently.
- Online Convenience: Progressive auto insurance review highlights the user-friendly online interface that enables veterans to efficiently handle their policies and claims.
Cons
- Limited Military Savings: While Progressive offers competitive rates, it may not provide the extensive military savings that specialized companies like USAA offer.
- Local Agent Availability: Progressive’s emphasis on online services might limit the availability of in-person consultations, which some veterans may prefer.
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#2 – USAA: Best for Military Savings
Pros
- Maximum Multi-Policy Discount: USAA provides veterans with up to a 10% multi-policy discount, encouraging them to consolidate their insurance needs.
- Maximum Low-Mileage Discount: With an impressive 20% low-mileage discount, USAA recognizes and rewards veterans who drive fewer miles.
- Military Savings: USAA auto insurance review highlights specialized coverage and exclusive discounts for veterans, reflecting the company’s dedication to serving military members.
Cons
- Limited Accessibility: USAA is exclusively available to military members and their families, limiting accessibility for non-military customers.
- Potentially Higher Rates: While offering military-focused benefits, USAA’s rates might not always be the most competitive for certain profiles.
#3 – Farmers: Best for Local Agents
Pros
- Maximum Multi-Policy Discount: Farmers auto insurance review highlights a notable discount of up to 25% for multi-policy holders, offering substantial savings for veterans.
- Maximum Low-Mileage Discount: Offering up to 20% low-mileage discount, Farmers caters to veterans who may not drive extensively.
- Local agents: With a focus on local agents, Farmers ensures personalized service, addressing veterans’ specific needs and concerns.
Cons
- Limited Military Focus: While Farmers provides competitive rates, it lacks the specialized military focus and savings offered by dedicated companies like USAA.
- Policy Options: Farmers may have fewer policy options compared to some competitors, limiting veterans’ choices.
#4 – Chubb: Best for Policy Options
Pros
- Maximum Multi-Policy Discount: Chubb offers up to a 15% multi-policy discount, providing veterans with potential savings when bundling their insurance.
- Maximum Low-Mileage Discount: With a 5% low-mileage discount, Chubb caters to veterans who may not engage in extensive driving.
- Policy Options: Chubb auto insurance review showcase its extensive range of customizable policy choices, catering specifically to the unique requirements of veterans.
Cons
- Limited Military Focus: Chubb may not provide the specialized military focus and exclusive savings that dedicated military insurance companies offer.
- Potentially Higher Rates: While Chubb offers policy flexibility, its rates might not always be the most competitive for certain veteran profiles.
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#5 – American Family: Best for Student Savings
Pros
- Maximum Multi-Policy Discount: American Family offers an impressive up to 29% multi-policy discount, ensuring veterans substantial savings through bundling.
- Maximum Low-Mileage Discount: With up to a 20% low-mileage discount, American Family caters to veterans with limited driving needs.
- Student Savings: American Family auto insurance review highlights discounts for students, catering to the insurance requirements of families with veterans and students.
Cons
- Limited Military Focus: American Family, while offering competitive rates, may not provide the specialized military focus and savings offered by companies like USAA.
- Age and Student-Specific: The emphasis on student savings may not benefit all veterans, particularly those without students on their policy.
#6 – State Farm: Best for Many Discounts
Pros
- Maximum Multi-Policy Discount: State Farm auto insurance review highlights a discount of up to 17% for combining multiple policies, benefiting veterans who bundle their insurance.
- Maximum Low-Mileage Discount: With a 5% low-mileage discount, State Farm caters to veterans who may not drive extensively.
- Many Discounts: State Farm provides various discounts beyond multi-policy and low-mileage, offering veterans diverse savings opportunities.
Cons
- Limited Military Focus: While State Farm offers competitive rates, it may not provide the specialized military focus and exclusive savings that dedicated military insurance companies offer.
- Local Agent Availability: State Farm’s emphasis on local agents might limit accessibility for veterans who prefer online services.
#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Maximum Multi-Policy Discount: Liberty Mutual offers up to a 25% multi-policy discount, providing veterans with substantial savings through bundling.
- Maximum Low-Mileage Discount: With an impressive 30% low-mileage discount, Liberty Mutual recognizes and rewards veterans who drive fewer miles.
- Customizable Policies: Liberty Mutual auto insurance review highlights the company’s flexible policies, which enable veterans to customize their coverage to suit their unique requirements.
Cons
- Limited Military Focus: Liberty Mutual, while offering competitive rates, may not provide the specialized military focus and savings offered by companies like USAA.
- Potentially Higher Rates: While providing customizable policies, Liberty Mutual’s rates might not always be the most competitive for certain veteran profiles.
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#8 – AAA: Best for Local Agents
Pros
- Maximum Multi-Policy Discount: AAA offers up to a 25% multi-policy discount, encouraging veterans to consolidate their insurance needs.
- Maximum Low-Mileage Discount: With a 10% low-mileage discount, AAA caters to veterans who may not drive extensively.
- Local agents: The AAA auto insurance review highlights the company’s commitment to personalized service through local agents and its dedication to meeting the unique needs and concerns of veterans.
Cons
- Limited Military Focus: AAA, while offering competitive rates, may not provide the specialized military focus and exclusive savings that dedicated military insurance companies offer.
- Potentially Higher Rates: While AAA provides local agent support, its rates might not always be the most competitive for certain veteran profiles.
#9 – Allstate: Best for Add-on Coverages
Pros
- Maximum Multi-Policy Discount: Allstate offers up to a 10% multi-policy discount, encouraging veterans to bundle their insurance for savings.
- Maximum Low-Mileage Discount: With a 10% low-mileage discount, Allstate caters to veterans who may not engage in extensive driving.
- Add-on Coverages: Allstate auto insurance review showcase a range of additional coverages that veterans can use to tailor their policies to their unique requirements.
Cons
- Limited Military Focus: Allstate, while offering competitive rates, may not provide the specialized military focus and exclusive savings offered by companies like USAA.
- Potentially Higher Rates: While providing add-on coverages, Allstate’s rates might not always be the most competitive for certain veteran profiles.
#10 – Geico: Best for Cheap Rates
Pros
- Maximum Multi-Policy Discount: Geico offers up to a 25% multi-policy discount, providing veterans with potential savings through bundling.
- Maximum Low-Mileage Discount: Geico auto insurance review highlights a notable 25% discount for veterans with low mileage, acknowledging those who drive less.
- Cheap Rates: Geico is known for its competitive rates, making it an attractive option for veterans seeking cost-effective coverage.
Cons
- Limited Military Focus: Geico, while offering competitive rates, may not provide the specialized military focus and exclusive savings that dedicated military insurance companies offer.
- Potentially Limited Coverage Options: Geico’s emphasis on cost-effective coverage may result in fewer policy options compared to some competitors.
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Veterans’ Guide to Navigating Auto Insurance: Rates, Coverage, and Military-Focused Providers
Securing auto insurance as a veteran involves more than just finding affordable rates – it’s about finding coverage that understands the unique experiences and needs of those who have served. In this landscape, Progressive, USAA, and Farmers emerge as top choices. To gain further insights, consult our comprehensive guide titled “How to Cancel Progressive Auto Insurance.”
Auto Insurance Monthly Rates for Veterans by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $47 | $125 |
| Allstate | $75 | $190 |
| American Family | $50 | $150 |
| Chubb | $70 | $200 |
| Farmers | $55 | $160 |
| Geico | $52 | $140 |
| Liberty Mutual | $85 | $210 |
| Progressive | $45 | $130 |
| State Farm | $38 | $90 |
| USAA | $40 | $115 |
Progressive, known for its user-friendly online services, offers basic coverage starting at $45 and full coverage at $130, providing a seamless experience for veterans seeking convenience. USAA, exclusively dedicated to military personnel, stands out with basic coverage at $40 and full coverage at $115, ensuring savings and specialized benefits tailored to veterans.
Farmers, with basic coverage beginning at $55 and full coverage at $160, adopt a personalized approach through local agents. These insurers not only offer competitive rates but also recognize and address the distinct circumstances veterans may encounter.
As veterans navigate the auto insurance market, these providers stand as pillars, offering not just affordable rates but coverage options that respect and cater to the service they’ve rendered to the nation.
Comparing Military and Standard Auto Insurance: Unique Features for Active Duty Service Members
Although the fundamentals of auto insurance are the same for military personnel, coverage for those on active duty has certain unique restrictions.
Progressive stands out as the top choice for veterans seeking competitive and personalized coverage, with a focus on online convenience and advantageous options.Ty Stewart Licensed Life Insurance Agent
For instance, several states permit service members to continue their automobile registration and insurance coverage via their home state, regardless of where they are stationed. However, each insurance carrier has distinct requirements when a service member deploys abroad.
Finally, some businesses only offer coverage to service members, so if you’re looking for military auto insurance, you might have more options than the typical client. The top military auto insurance providers are USAA, Geico, and Armed Forces Insurance.
Auto Insurance Monthly Rates for Veterans by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 18-Year-Old Male | $216 | $501 |
| 18-Year-Old Female | $179 | $416 |
| 25-Year-Old Male | $57 | $150 |
| 25-Year-Old Female | $52 | $138 |
| 30-Year-Old Male | $53 | $139 |
| 30-Year-Old Female | $49 | $128 |
| 45-Year-Old Male | $45 | $119 |
| 45-Year-Old Female | $46 | $119 |
| 55-Year-Old Male | $43 | $113 |
| 55-Year-Old Female | $43 | $113 |
| 60-Year-Old Male | $43 | $110 |
| 60-Year-Old Female | $41 | $106 |
| 65-Year-Old Male | $45 | $117 |
| 65-Year-Old Female | $45 | $117 |
Each offers unique discounts and full coverage auto insurance options that cater to military members on deployment, living on base, or retired. Scroll through the sections below to learn more about each provider and compare military car insurance coverage options.
Comprehensive Protection on the Front Lines: Exploring Armed Forces Insurance Coverage Options
Armed Forces Insurance (AFI) provides comprehensive car insurance for military members, covering the policyholder, their family, and other authorized drivers. Their offerings include liability, collision, comprehensive, and medical expense coverage, along with uninsured/underinsured motorist coverage, roadside assistance, and rental car reimbursement.
Additionally, AFI offers homeowners’, renters’, and recreational vehicle insurance, plus special policies like umbrella, valuable object, flood, fire, and pet insurance.
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Exploring Auto Insurance Discounts for Military Members: Companies That Offer Savings
Auto insurance discount rates differ by company. However, most military auto insurance providers give active-serving and retired military personnel discounts ranging from 5% to 15%. Unfortunately, you won’t find these discounts with every provider. To save money on your military auto insurance, check with the following insurers that offer military discounts on car insurance:
- Armed Forces Insurance
- USAA
- Farmers auto insurance
- Liberty Mutual
- Geico
Farmers and Liberty Mutual, while not exclusively focused on military customers, do offer military discounts on their insurance policies. However, the extent of these discounts can vary by state due to different regulations and the competitive environment among insurers. Check out our ranking of the top providers: Best Life Insurance Policies for Military Members
It is recommended that military members and their families compare these offers, along with those from other local companies, to find the best possible savings in their specific region. This ensures they can maximize the financial benefits available to them.
The verification process for car insurance discounts requires a state-issued photo ID and specific military credentials, such as a discharge certificate, D214 Member 4 copy, NGB22, or active duty military orders. Some insurers allow active-duty service members to pause their policies during deployment if they provide deployment proof and show their vehicle is stored long-term.
Veterans can often receive discounts on car insurance from providers like USAA, AFI, Geico, Liberty Mutual, and Farmers Insurance, but it’s best to confirm with the company directly. Additionally, non-military individuals may qualify for discounts based on factors such as good grades, a clean driving record, low annual mileage, a good credit score, or having anti-theft devices installed in their vehicle.
Managing Auto Insurance During and After Military Deployment
Before military deployment, look into auto insurance options for stored vehicles, such as garaging and low-mileage discounts. Consider a storage protection plan for security during your absence. Insurers often adjust policies for those sent to “imminent danger pay areas,” allowing penalty-free suspension or cancellation and easy reinstatement.
Progressive excels for veterans, delivering exceptional value and dedicated services designed precisely for the military community.Zach Fagiano Licensed Insurance Broker
Instead of canceling your auto insurance, consider pausing it. For example, USAA offers a 60% discount for stored vehicles not in use. Adjusting your policy can save money and prevent potential issues with your driving privileges. Geico and similar companies allow you to reduce or suspend coverage for stored cars for over 30 days without penalty.
Upon returning, promptly reactivate your insurance before driving to avoid risks. Contact your provider to ensure your policy complies with state requirements and consider updating your coverage for any new driving conditions. For additional details, explore our comprehensive resource titled “Auto Insurance & Driving Laws.”
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Case Studies: Top Auto Insurance Providers for Veterans
Veterans and active-duty military members face unique challenges and circumstances that require specialized insurance solutions. Recognizing this need, a variety of insurance providers have developed tailored programs to cater specifically to the military community. Take a look at the list of top providers: Best Life Insurance Policies for Military Members
- Case Study #1 – Veteran Auto Insurance: John, a retired veteran, who sought auto insurance tailored for veterans. He chose Veterans Insurance Company for its veteran-specific benefits and discounts, including competitive rates and specialized coverage. John was highly satisfied with their personalized service.
- Case Study #2 – Military Affinity Program: Sarah, an active-duty military member, seeking auto insurance tailored for military personnel. She chose United Forces Insurance, known for its military affinity program offering discounts, flexible coverage, and special benefits. Impressed by their commitment to the military community, Sarah became a policyholder.
- Case Study #3 – A Trusted Choice: Mark, a retired veteran, chose USAA for auto insurance due to its strong military community ties, competitive rates, and comprehensive coverage options. As a policyholder, he values USAA’s respected reputation and excellent customer service, which provide him peace of mind.
- Case Study #4 – Armed Forces Insurance Corporation: Michael, an active-duty service member, selected Armed Forces Insurance Corporation for its military-tailored policies. Their offerings include deployment and relocation coverage, flexible options, and dedicated customer service, ensuring he has the coverage and peace of mind he needs.
- Case Study #5 – Navy Federal Credit Union: Lisa, a Navy veteran, chose Navy Federal Credit Union for its competitive auto insurance rates and excellent customer service, enjoying valuable discounts and dedicated support as a member of the military community.
By choosing a provider that values and recognizes their service, veterans and active-duty members can enjoy not only tailored coverage but also a sense of respect and acknowledgment that is well-deserved.
Progressive consistently delivers superior value and specialized support, making it the premier choice for veterans seeking reliable and respectful auto insurance coverage.Jeff Root Licensed Life Insurance Agent
This thoughtful engagement ensures that their sacrifices are honored in a meaningful way, enhancing their overall satisfaction and providing them with the peace of mind that their contributions to the nation are appreciated and rewarded.
The Bottom Line on Military Auto Insurance
We examined more than a dozen firms to find out which vehicle insurance providers offer the best coverage options and service member discounts. Overall, Geico, USAA, and AFI provide the most comprehensive military car insurance coverage at the best price.
Like Geico, a lot of auto insurance providers provide exceptional protection for servicemen and women. While some insurers provide discounts and specialized coverage options, others, like USAA and Armed Forces Insurance, cater particularly to veterans and active-duty individuals.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
What is the best auto insurance for veterans?
The best auto insurance for veterans often includes companies like USAA, which offers coverage specifically tailored to military members and their families, and Geico, known for military discounts and comprehensive coverage options.
Veterans insurance auto – which companies offer the best rates?
USAA, Geico, and Farmers are highly recommended for offering competitive rates and benefits designed for veterans. USAA, in particular, is exclusive to military personnel and their families, providing rates and services that are often unmatched in the industry.
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Which veterans insurance companies are recommended for comprehensive coverage?
USAA and Farmers are notable for offering extensive coverage options that cater to the unique needs of veterans. They provide a range of policies that include liability, collision, and comprehensive insurance.
To learn more, explore our comprehensive resource titled “Top Auto Insurance Coverage: What You Need to Know.”
Are there veteran insurance companies that offer discounts?
Yes, many companies offer veteran discounts, including Liberty Mutual and Geico. These discounts can significantly lower premiums and are a way these companies acknowledge military service.
How do veterans auto insurance rates compare to standard rates?
Veterans often receive lower rates due to exclusive military discounts. Companies like USAA and Geico provide specially reduced rates for veterans as part of their commitment to serving those who have served.
What should I look for in veterans auto insurance companies?
Look for companies that offer military-specific benefits, such as deployment flexibility and discounts for stored vehicles, like those provided by USAA and Geico. Coverage that understands and caters to military lifestyles is crucial.
To delve deeper, refer to our in-depth report titled “How to Buy Vehicles Directly From Insurance Companies.”
How can veterans optimize their auto insurance coverage?
Veterans should explore options like USAA’s pay-per-mile insurance, which can be cost-effective for those who drive less. This kind of usage-based insurance is perfect for veterans who might be stationed and do not use their vehicle frequently.
Where can veterans get auto insurance quotes?
Veterans can obtain quotes from websites like InsuranceProviders.com, which allows for comparing rates from top companies. Additionally, directly visiting websites of companies like State Farm and USAA can provide specific military discount details and personalized quotes.
What are the benefits of veterans automobile insurance through military-friendly companies?
Military-friendly companies often provide benefits such as no penalties for early cancellation if deployed, discounts for family members, and more flexible payment options to fit military pay schedules.
For a thorough understanding, refer to our detailed analysis titled “How to Cancel Auto Insurance.”
What military discounts do auto insurance companies offer?
Companies like State Farm offer military discounts which may include reduced premiums for veterans and active-duty military. Liberty Mutual also offers a veterans discount, emphasizing reduced rates for those who have served.
Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
