Best car insurance for military and veterans, compared
| Company | Benefits | A.M. Best Financial Strength Rating* |
| USAA | Family coverage, low rates, award-winning service and coverage. | A++ |
| Geico | Military personnel, emergency deployment, dedicated hotline for military customers. | A++ |
| Armed Forces Insurance | Department of Defense civilian employees and NOAA and PHS commissioned officers eligible. | B+ |
*A.M. Best financial strength rating scale runs from D (lowest) to A++ (highest).
FAQs
The best carrier will differ for everyone, depending on your specific situation, how much coverage and what kinds of coverage you want. According to our research, USAA and Geico offer among the most competitive rates out there for service members, and they both cover a wide range of coverage options and discounts to help formulate a policy that fits your needs and budget.
Whichever auto insurer you choose, your military service may potentially mean savings. For that reason, it’s important to always check your eligibility and inquire about the rates and discounts that service members, veterans and their families can get.
- Look for quotes from a variety of insurance companies. Make sure to include companies that offer military discounts, as well as those that only serve the military.
- Choose the plan that makes the most sense for you, based on eligible car insurance discounts, the company’s customer service rating, auto claims satisfaction, coverage options and the final price.
- Gather documented proof of your identity and military service such as your military ID or DD-214 (or the service of your family member, along with proof of relation).
- Submit the appropriate documents to your insurer of choice, then wait for final approval.
Some carriers only serve members of the military, such as USAA and AFI. These insurers generally have competitive rates compared to other mainstream carriers available to the general public. If USAA and AFI don’t serve your needs, mainstream carriers like Geico, Liberty Mutual and Farmers also offer discounts for military members. If you pair a low premium rate with a variety of discounts, including a military discount, you may be able to bring your annual premiums down substantially and save on car insurance in the long run.
The requirements to receive a military discount differ from insurer to insurer. For example, while Geico simply gives all active-duty military and retired personnel up to a 15% discount, Arbella will only apply up to a 10% discount if you’re an active-duty military member that is deployed more than 100 miles away from your vehicle. You’ll want to check what each insurer’s parameters are for qualifying for a military discount.
That said, the documents to prove your eligibility for military discounts are similar across the board. You’ll likely need to show one or more of the following documents:
- DD-214
- NGB-22
- Military orders if you are actively serving
- Academy appointment letter or ROTC contract
- Discharge certificate
- Letters or statements showing membership in an eligible military group, such as the Navy League of the United States or the Armed Forces Benefit Association.
Methodology
CNET reviews insurance carriers and products by exhaustively comparing them across set criteria developed for each category. For auto insurance, we examine average annual premium rates for full coverage, consumer complaints, collision repair scores, the carrier's financial strength, auto claims satisfaction and overall customer satisfaction. For this list, we also investigated available discounts for military members, veterans and their families. Our data comes from a multitude of sources.Â
Auto insurance rates come from Bankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that collect data on customer auto claims satisfaction and overall customer satisfaction.
Consumer complaints are taken from the National Association of Insurance Commissioners, which collects consumer complaints across states, indexing complaints on a scale that takes into account the industry average. We collect the financial strength rating of each carrier from the A.M. Best Rating.
Last, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision repair professionals, including mechanics, to gauge the quality of collision claims service from insurance carriers.
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