Military Discount Car Insurance

Contributor, Benzinga

Want to save money on your car insurance? Find and compare free custom quotes here.

Many car insurance providers recognize the service provided with military discount car insurance. Past and present military members can take advantage of an exclusive discount offered by the following insurance companies. You served us, now allow them to serve you with a completely curated car insurance policy to protect you, your car and the ones you love.

Car Insurance Quotes Military Discounts

Compare quotes from some of our favorite car insurance providers that offer a military discount and read in-depth reviews below. The best car insurance companies that offer a military discount according to Benzinga are USAA, Progressive, Clearcover, Erie Insurance and Assurance.

SR-22 Insurance
Yes
Online Purchase
No
1 Minute Review

USAA provides insurance, banking, and financial services to U.S. armed forces members, veterans, and qualified family members. Consistently ranked among top insurers for customer satisfaction, this insurer seeks to provide quality coverage at affordable pricing.

USAA offers home, auto and life insurance to members of the armed forces, veterans and their family members. USAA also returned very low coverage rates in our search, and you can save even more when you combine policies.

USAA also consistently maintains strong financial standing and scores highly in J.D. Power’s Auto Insurance Satisfaction Survey. Be sure to get a quote from USAA if you qualify for coverage.

Best For
  • Active military members
  • Veterans
  • Spouses and children of USAA members
Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members
SR-22 Insurance
Yes
Online Purchase
Yes
1 Minute Review

Progressive auto insurance is among the first of the larger insurers to actively embrace usage-based insurance via electronic monitoring of driving habits. Often a refuge for younger drivers and drivers who have been refused insurance elsewhere, progressive markets and supports its insurance products through its website and a network of independent agents.

Best For
  • Young and less-experienced drivers
  • Drivers with consistently good driving habits
  • Rates for good drivers
Pros
  • More welcoming to less-experienced drivers
  • Great website and mobile app functionality
  • Driving based discounts can be generous
Cons
  • Relatively smaller agent network may leave some without a local agent
  • Rates can increase at renewal based on driving data from Progressive’s Snapshot.
Get started securely through Clearcover’s website

What Factors Impact Your Premium?

Car insurance quotes vary greatly depending on factors like state, age, driving record, and coverage options. Get a custom quote in minutes using an online quote tool and discover which company suits you best. A military discount may be one of the many car insurance discounts that you qualify for. 

Something to keep in mind is that choosing to not continue auto insurance coverage while you’re deployed (even if your car is being stored off-road and not driven) can have an impact on your auto insurance premiums. For example, a lapse in coverage for an extended period of time could increase your rates when you return. And not carrying car insurance on a car registered to you may be illegal in some states. Check out your state’s minimum liability laws to know more. Some states, like Michigan, allow you to waive coverage requirements with a special form.

Auto Insurance Coverage Types

Not all auto policies are created equal when it comes to coverage options. Some car insurance companies offer a wide range of options while others prefer to keep the options limited and straightforward. Of the companies that offer a military discount on car insurance policies Esurance, Progressive, and USAA stand out the most. 

Car insurance quotes vary greatly depending on factors like state, age, driving record, and coverage options. Get a custom quote in minutes using an online quote tool and discover which company suits you best. A military discount may be one of the many car insurance discounts that you qualify for. 

CompanyStates Offered12-month policy quoteOverall Rating 1-5
Clearcover, Inc.Texas, Arizona, Utah, Oklahoma, Louisiana, Nebraska, Missouri, Wisconsin, Indiana, Georgia, Pennsylvania, Maryland, California, Illinois
$1,692 3.5
Erie InsuranceDistrict of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin$1,799 
3.5
Esurance44 states $1,266
4
GEICOAll$1,6474.5
ProgressiveAll$1,358
5
Kentucky Farm BureauKentucky$1,1064
USAAAll$1,2494.5

Auto Insurance Providers with Military Discounts Reviews

Not all auto policies are created equal when it comes to coverage options. Some car insurance companies offer a wide range of options while others prefer to keep the options limited and straightforward. Of the companies that offer a military discount on car insurance policies GEICO, Progressive, and USAA stand out the most. 

SR-22 Insurance
Yes
Online Purchase
No
Pros
  • Complete line of insurance, banking, and investment services
  • Easy online forms to quote and bind policies
  • Top-rated customer satisfaction
Cons
  • Very few physical locations
  • Only available to select groups, generally tied to military service and the relatives of members

1. USAA

USAA is the only insurance company that insures cars strictly for current and past members of the military. In addition to that discount, they also offer accident forgiveness, a multi-policy, defensive driver, loyalty, and usage-based discount. Their coverage options range from the standard comprehensive, collision, and liability to PIP (personal injury protection) and rental car reimbursement. 

Read Benzinga’s full USAA auto insurance review

SR-22 Insurance
Yes
Online Purchase
Yes
Pros
  • More welcoming to less-experienced drivers
  • Great website and mobile app functionality
  • Driving based discounts can be generous
Cons
  • Relatively smaller agent network may leave some without a local agent
  • Rates can increase at renewal based on driving data from Progressive’s Snapshot.

2. Progressive

Progressive coverage options include an SR-22, which is a car insurance liability document required for high-risk insurance policies.

They also offer comprehensive, collision, uninsured and underinsured motorist, property damage, medical payments, bodily injury, rental car reimbursement, loan and lease gap, and protection for your pets. 

Read Benzinga’s full Progressive auto insurance review

3. Clearcover

If you are a Texas, Arizona, Utah, Ohio, Oklahoma, Louisiana, Nebraska, Missouri, Indiana, Wisconsin, Georgia, Pennsylvania, Maryland, California or Illinois resident you can take advantage of the coverage options and military discount provided by Clearcover.

In addition to the military discount, they also offer discounts for having an anti-theft device, being a defensive driver and having a safety device. Clearcover provides the fastest claims experience by issuing payment on eligible claims within 30 minutes or less. Customers can file and track their claims, request roadside assistance, manage billing and payments and access policy documents 24/7 through the Clearcover mobile app.

SR-22 Insurance
Yes
Online Purchase
No

4. Erie Insurance

Erie is praised for their 24/7 customer claims service and the ease of their online quote tool. They offer alternate transportation as a coverage option in addition to the standard coverage.

If you’re looking for even more discounts you may qualify for a safety device discount, defensive driving, loyalty, and more. 

5. Esurance

Esurance car coverage is available in all states for the exception of Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming. They have a mobile app and a 24/7 claims service.

In addition to a military discount they offer anti-theft, multi-policy, defensive driving, good student, loyalty, homeowner, and safety device discount. Esurance also offers SR-22 coverage, if needed.

Car Insurance Discounts for Military Members

Active and veteran military personnel can apply for many discounts on car insurance as well as home, health, life, and more. Get a quote from one of our top providers and compare prices.

Frequently Asked Questions

Q

Do you get a military discount on car insurance?

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Do you get a military discount on car insurance?
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Many car insurance providers offer at least a 15% discount for active and retired military members. Most providers will state on their website whether or not this type of discount is offered — but be sure to ask your agent or customer service representative if you don’t see this type of discount offered.

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Q

Do I need car insurance while I’m in the military?

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Do I need car insurance while I’m in the military?
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A
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This may depend on your state, but you may be required to carry a minimum amount of insurance even while you’re deployed and not using your car.

You always have the choice whether or not to keep your insurance active, but it can come with consequences, including not meeting minimum legal requirements for your state or your car insurance rates going up when you return. And if something happens to your car while you’re away, even if it’s stored off-road and not being driven, you’ll be responsible for any associated expenses.

Some states will allow you to show proof that your car will be stored and not being driven in order to waive minimum liability requirements — but remember, this doesn’t mean you’re protected from other types of liability.

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