Car Insurance for Military Personnel & Veterans

Car insurance for military personnel and veterans qualifies for unique discounts based on their service. But military personnel can qualify for more auto insurance discounts by driving newer vehicles, maintaining a good driving record, getting married, and more. Read our guide below for more ways to get discounts on auto insurance for military personnel and veterans.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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Car insurance is required by law throughout the United States and its territories. Insurance companies recognize the importance of the armed forces, and offer special discounts to those in all branches of the military. Veteran discounts are available, but any type of military service is eligible for discounts as well. Additionally, the discounts which are available to everyone else are still applicable as well, increasing the total savings to those in the military.

Your car is a source of many possible discounts. Anti-lock brakes and electronic stability are safety features that earn discounts, and side impact air bags keep the life inside the car safer. Whether you are in the Army, Navy, Air Force or Marines, or even a member of the Reserves or the Coast guard, the safer your car is to drive, the less you will pay for insurance.

If you park your car in a garage at night, the rates will be lower than if it is left on the street. The reason is that parking in a private garage eliminates the danger of vandalism, reduces the burglary rate, and makes it difficult for your car to be a victim of hit and run. Since these are all costly problems for insurance companies, keeping the car safer means you can keep some of your hard-earned money.

Insurance companies are not partial to any one branch of the service, but offer the same discounts to members of all branches whether you’re in the Army, Marines, Navy, Air Force or National Guard. USAA is a highly rated insurance company that specializes in insuring military personnel and their family, offering low rates and special discounts.

Not every applicant will qualify for a marriage discount, and most may fall short of a safe driver deal, but the discounts are available to everyone who qualifies for them, regardless of their military service. And the discounts apply to people who work in support of the troops, as well, such as clerks and medical staff.

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