Best Car Insurance Options for Veterans and Military Families in 2025

Active-duty service members, veterans, and their families have several opportunities to save on car insurance through special discounts, deployment-related options, and the ability to temporarily adjust or suspend coverage.

Certain insurers such as USAA and Armed Forces Insurance serve exclusively military members (active, retired) and their eligible family members, while many other major companies provide military/veteran discounts to current and former service personnel.

Here are the top car insurance recommendations for military-connected individuals in 2025, evaluated based on pricing, available coverage, customer experience, and military-specific benefits.

Best for Low Rates Geico

• Ideal for: Active-duty and veterans
• Military benefit: Up to 15% discount for current and former military members + additional 25% discount when deployed to a designated imminent danger zone
• Key advantages: Worldwide coverage, dedicated customer service line staffed by veterans, option to suspend or reduce coverage during deployment
• Availability: All 50 states + D.C.

Best for Comparing Multiple Quotes Armed Forces Insurance (AFI)

• Ideal for: Anyone wanting to shop around easily
• Military benefit: Acts as an insurance agency that provides quotes from multiple carriers tailored to military needs
• Key advantages: Includes identity theft resolution services and helpful resources for Permanent Change of Station (PCS) moves
• Availability: All 50 states + D.C.

Best Overall for Active-Duty Members USAA

• Ideal for: Active-duty, retired military, and their immediate families (exclusive eligibility)
• Military benefit: Some of the lowest rates in the industry + up to 60% discount when storing vehicle during long-term deployment + 15% off comprehensive coverage for parking on base
• Key advantages: Offers car replacement benefit (up to 120% of actual cash value if vehicle is totaled or stolen)
• Availability: All 50 states + D.C.

Best for Multiple Discount Opportunities Farmers

• Ideal for: People who qualify for many different discounts
• Military benefit: 10% discount for active-duty and veterans
• Key advantages: Large variety of discounts (paperless, good payer, homeowner, anti-theft devices, bundling home/auto up to 20%, etc.)
• Availability: All 50 states + D.C.

Best for Customer Service & Claims Experience Auto-Owners

• Ideal for: Those who value high-quality service and fewer hassles
• Military benefit: No specific military discount
• Key advantages: Consistently excellent J.D. Power satisfaction scores, accident forgiveness, gap insurance, classic/antique car agreed-value policies
• Availability: Available in 26 states (mainly Midwest, Southeast, and parts of West)

Best for Low-Mileage Drivers Nationwide (SmartMiles program)

• Ideal for: People who drive significantly below average mileage
• Military benefit: No dedicated military discount
• Key advantages: Pay-per-mile program can save low-mileage drivers up to 20% compared to traditional policies
• Availability: All states except Alaska, Hawaii, Louisiana, and Massachusetts

Quick Comparison of Military Discounts

Main Ways Military Members Can Reduce Car Insurance Costs

1. Military/Veteran Discounts Offered by many major insurers (Geico, State Farm, Liberty Mutual, Farmers, etc.). Some states (e.g., Louisiana) mandate a 25% liability discount for active-duty personnel.
2. Deployment Benefits
   • Geico: 25% discount during qualifying deployments
   • USAA: Up to 60% discount when storing vehicle long-term during deployment
3. On-Base Parking Discount USAA offers up to 15% reduction on comprehensive coverage for vehicles parked on base
4. Stacking with Regular Discounts Military members can usually combine their military discount with other common discounts such as:
   • bundling home/auto
   • safe driving record
   • good student discount
   • paperless billing
   • defensive driving course
   • anti-theft devices, etc.