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What is Military Car Insurance?

Last Updated on December 6, 2023 by a2z_admin


Military car insurance is auto coverage designed for current and former members of the military. It often includes discounts based on:

  • Your military service
  • Affiliations with certain military organizations
  • Emergency deployment

Car insurance can be complex, but the good news is that you can obtain free quotes from multiple companies tailored to your specific needs. Many auto insurance providers offer discounts for active-duty military, veterans, and National Guard members.

Ensure you’re getting the best auto insurance coverage for your family with our easy-to-use quote comparison tool. You can even combine your military discount by bundling insurance policies!

Cost of car insurance for Military and Veterans

The cost of car insurance for veterans and military personnel is generally not significantly affected by specific military status. Whether you’re on active duty, retired, or in the reserve, the auto insurance rates tend to be similar when other factors are held constant. However, your military status can play a role in determining eligibility for a military discount offered by insurance companies or coverage from specialized military insurance providers. It’s important to note that individuals with a dishonorable discharge may not qualify for certain discounts.

Military families often experience unique stressors and life situations that differ from non-military families. In light of this, military members may find it beneficial to explore insurance options that cater specifically to their needs. Some insurance companies offer military discounts and storage plans, providing an opportunity for military families to potentially reduce their insurance premiums.

Discounts on Military Car Insurance

Car insurance can cost a lot, but if you’ve served in the military, there are some easy ways to save money on it. Here are some discounts that military folks might be able to get:

  •  Military Discounts: Some companies, like Geico, give a 15 percent discount to military members, whether they’re still on duty or retired.
  •  Deployment Discounts: If you get deployed, companies like Geico and USAA offer discounts that could save you a lot — up to 25 percent sometimes.
  •  Low-Mileage Discounts: If you don’t drive much, you might get a discount. Usually, driving less than 8,000 miles a year can qualify you for this.
  •  Organization and Affinity Discounts: If you’re part of certain groups, like veteran’s organizations, you could save money. It doesn’t always have to be military-related, but some groups related to the military might give you discounts. Check with your insurance company to see if you qualify.
  •  Bundling Discounts: If you get different kinds of insurance (like home and car insurance) from the same company, you might save money. It also makes it easier to manage your policies.
  •  Storage Plan: If you’re deployed or not using your car for a while, some companies may give you a discount. You don’t always have to put your car in an actual storage place, but your company might have rules about how long it needs to be out of use to get the discount.

Car Insurance Savings Tips for Military Personnel & Veterans

If you’re in the military or a veteran, there are several ways you can save on car insurance without compromising coverage. Here are five strategies that can help you keep more money in your pocket:

  •  Active Duty Discounts: As an active-duty service member, you qualify for some of the best car insurance discounts available. These discounts can go up to 15% or even more, leading to significant savings of hundreds of dollars each year.
  •  Deployment Savings: When you’re deployed, some insurance companies offer substantial discounts, up to 60% less, for storing your vehicle. This can be a great way to cut down on costs while you’re away.
  •  Military Base Discounts: Keeping your car on a military base might also make you eligible for additional discounts from certain insurance providers. Be sure to explore this option, as it could contribute to significant savings.
  •  Overseas Auto Insurance Plans: If you’re stationed overseas, there are specialized packages and plans for military auto insurance. These tailored options ensure that you have coverage suited to your unique circumstances.
  •  Veteran Discounts and Bundling: Veterans aren’t left out either. You can still access discounts, and combining multiple insurance policies, known as bundling, can result in even more savings.

Remember, beyond military-specific discounts, maintaining a good driving record, carpooling, being a non-smoker, using anti-theft devices, and keeping your annual mileage low can further reduce your auto insurance costs.

By implementing these strategies, you can make informed choices to save money while ensuring you have the coverage you need.

Who Is Eligible for Military Car Insurance?

Every insurance company has its own set of rules to determine who qualifies for military car insurance and the associated discounts. Here are the basic eligibility criteria:

  •  Military Personnel: If you are enlisted in the Army, Air Force, Navy, Marines, Coast Guard, or National Guard, you may qualify.
  •  Department of Defense Employees: Active or retired Department of Defense employees are eligible for military car insurance.
  •  Service Academy Students and Officer Candidates: If you are a student in one of the service academies or an officer candidate within two years of commissioning, you meet the criteria.
  •   Veterans: Honorably discharged or retired veterans are eligible for military car insurance.
  •  Qualifying Family Members: Certain family members also qualify, including spouses, children (biological, adopted, or step), widows, widowers, and former spouses who haven’t remarried.
  •  Additional Coverage Options: Some providers, like Armed Forces Insurance, extend coverage to retired, former, or active commissioned officers of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration.
What Influences the Cost of Military Car Insurance?

When figuring out how much you’ll pay for your military car insurance, the insurance company considers various factors, much like they do for regular insurance. These factors include:

  •  Your driving history: The way you’ve driven in the past can affect your insurance rates.
  •  Where your car will be parked overnight: Whether you park your car in a garage or on the street can impact your insurance costs.
  •  The type of vehicle you own: Different cars may come with different insurance price tags.
  •  Coverage options: The kind of coverage you choose for your car insurance can influence the overall cost.
  •  Your credit score (in some states): Depending on where you live, your credit score might be taken into account when determining your insurance rates.
  •  Driving behaviors: Factors like how much you drive each year and whether you use your car for business can also play a role in setting your insurance rates.
Here Is A List Of Important FAQS

Your driving history, including any accidents or traffic violations, can impact your insurance rates. Safe driving generally leads to lower premiums.

Absolutely. Different vehicles come with different insurance costs. Generally, sports cars may have higher premiums compared to more practical and safe models.

The extent of coverage you choose, such as comprehensive, collision, or liability, directly affects your insurance rates. More extensive coverage typically means higher premiums.

No, it depends on the state. Some states consider your credit score when determining insurance rates, while others do not factor it in.

About the Author

Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.

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