Can You Get a Military Discount for Car Insurance?

Are you or a family member a current or former military service member? You could get a car insurance discount. Learn how it works here.
Military service member at home playing with his kid.

Are you a veteran or active military member? If so, you may qualify for a military car insurance discount. As they do for many other things such as being a homeowner or a safe driver, insurers also give special discounts to active or former military members. Depending on your insurer or state, you could save a certain percentage on your auto rates for your service.

Keep in mind that you’ll need to provide some proof that you’re in the military to claim your discount. Also, each insurer and state will handle the military discount in their own way. Some companies may not even offer it. And some states may not even allow it. The exact amount you can save with a military discount depends on your insurer and state.

It’s worth mentioning that some companies, such as USAA, exclusively offer car insurance to service members and their families. This typically comes with specific benefits and discounts for veterans, as well as competitive prices.

This article will dive into the basics of the military car insurance discount. This includes:

  • How you can qualify for it
  • How much you can save
  • Who offers it
  • Frequently asked questions

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How Military Auto Insurance Discounts Work

Discounts are a helpful way to lower your car insurance rates. This is especially true if they’re higher than you think they should be. Many insurers offer discounts for which you could qualify. These could be bundling discounts, safe driver discounts, good student discounts, and of course, the military discount.

You can only qualify for the military auto discount by being a current or former member. Depending on your insurer, you can also get a discount if you’re on a policy with a close family member, such as a spouse or parent, who qualifies for it. Be sure to speak with your agent to learn more about how you can get a discount for your military service.

As you might expect, you’ll need to prove that you are or were in the military to get the discount. This typically comes in the form of official military documents, such as forms and letters. Here are some papers you can often use as valid proof of your service:

  • Military orders
  • Certificate of discharge (DD Form 214)
  • NGB Form 22 for members of the National Guard
  • Leave and Earnings Statement (LES)
  • Letter of appointment to the academy

Which Companies Offer the Military Car Insurance Discount

Many of the major car insurance companies offer discounts to active or former service members. But not every company has the military discount. Some insurers may also offer specific benefits to those in the military, such as discounts if you’re suddenly deployed or need to keep your car on base.

These are some well-known insurance companies that offer military auto discounts:

USAA

USAA offers auto insurance and plenty of benefits to US military members, veterans, and their families. This insurer also provides numerous discounts to their customers. For example, their military on-base discount can save you up to 15% on your car insurance if you keep your car in a garage on the base.

GEICO

GEICO allows military members to save up to 15% on their car insurance rates. This insurer also offers discounts for emergency deployments to designated imminent danger pay areas. You could also get a discount from GEICO for certain affiliations to military groups, like:

  • Association of the United States Army (AUSA)
  • Armed Forces Benefit Association (AFBA)
  • Navy League of the United States (NLUS)
  • Navy Federal Credit Union (NFCU)

Contact your GEICO agent to find out more about how much you can save as well as how you may be able to qualify for their military discount.

Liberty Mutual

You’ll save on your car insurance from Liberty Mutual if you were or currently are in the armed forces or Military Reserves. But they don’t say how much you can save on your monthly rates with their military discount. Get in contact with an agent to find out more.

Farmers

Like Liberty Mutual and GEICO, Farmers offers car insurance discounts to active or retired military members. They don’t mention exactly how much you can save.  Remember that it’ll likely vary by driver and situation. We recommend talking to an agent to figure out how much you can save on your Farmers policy.

Shelter

Shelter Insurance provides a military discount to active duty policyholders in the state of Louisiana. This discount is also extended to the spouse and children of active duty servicemembers. Shelter doesn’t spell out this discount’s savings on their website. So, you’ll need to contact Shelter directly to learn more.

Kemper

This discount applies to both members of the military and National Guard. To qualify for the Kemper military discount, you must be active duty. There are few details regarding this discount on their website. You’ll need to contact Kemper to learn how much you can save.

The above companies represent only a few insurers with discounts for military service. If you’d like to explore the savings from these discounts, compare insurance quotes from several companies. One might have a discount that fits your needs more than another.

We took a look at what the major insurance providers offer members of the military. Check out our article on the best car insurance companies for military members and their families.

Louisiana Military Auto Insurance Discount

Many insurers, such as Progressive, State Farm, and Allstate, don’t offer a specific military discount. But the state of Louisiana has a law that requires auto insurance companies to provide a minimum 25% discount to active duty military residents. This means that any carrier in Louisiana must have a military discount, even if they don’t offer it in any other states. To qualify, you need to:

  • Be an active military member
  • Be a Louisiana resident
  • Have a spouse or dependent who lives in Louisiana while you’re out-of-state
  • Buy your car insurance in Louisiana

Frequently Asked Questions

Q: Is USAA only for the military?

A: Only members of the US military and their families can get insurance from USAA. Per their website, the following are eligible family members who can join USAA:

  • Spouses
  • Widows or widowers
  • Former spouses who haven’t remarried
  • Children, including stepchildren

Keep in mind that siblings and parents of a USAA policyholder aren’t eligible to join. If you’re unsure about how to join, contact USAA directly to see if you’re eligible.

Q: Do veterans get a discount on car insurance?

A: It’s not just active-duty military members who can get cheaper insurance prices. Armed-force vets are almost always eligible to receive military discounts from insurance companies.

Q: Do members of the military reserves qualify for the discount?

A: Yes, both active and retired members of the reserves qualify for military auto discounts.

Q: How do I prove to my car insurance company that I’m in the military?

A: You can prove you’re in or used to be in the military by showing your insurer official documents, forms, or letters related to your service. This could be a discharge certificate, military orders, or even an academy letter. Double-check with your insurance provider to see what types of proof they prefer.

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