Top 10 Military Car Insurance Providers in 2025

Highlights

• The people in the military can get car insurance with good rates that are just right for their needs.
• USAA and GEICO are often seen as the best when it comes to big savings and good deals for people on active duty and their families who can get these deals.
• With storage coverage that can be changed to what you need, service members and veterans may save a lot of money when they go away for deployment.
• Armed Forces Insurance makes it simple to compare rates from several auto insurance companies.
• Programs such as USAA SafePilot let military members get even more savings when they drive safely.

Introduction

Car insurance for military members is made to cover needs that normal policies may not handle. These companies know about the challenges of being on active duty, having to move often, and going on deployments. They give good pricing on plans and you still get the benefits you want. This can be for people who drive now and then or those who want strong coverage. The list shows trusted choices to fit your situation. Let’s take a look at the best companies that offer great auto insurance help for military members in 2025.

Top 10 Military Car Insurance Providers

Choosing the right car insurance provider can change the way you feel about your money and your peace of mind. You want to be sure you have coverage that fits your needs. Some companies also offer great discounts, like special deals for the military. The providers listed here help service members save money and feel safe.

These 10 companies stand out because they have good customer service, a strong name, and special features for the military. Look into each one to see which is right for you and your family.

1. USAA – Best Overall for Military Members

USAA is at the top when it comes to insurance companies focused on military members, veterans, and their family members who can get their services. USAA is known for making customers happy. They give people many types of insurance plans. Their prices are good, and there are lots of ways to save money.

One good thing you get is the chance to save up to 15% when you park your car on base while you are on deployment. This is only for full coverage. The USAA SafePilot program will also give you rewards. If you drive safely, you can get up to 30% off.

2. GEICO – Best for Military Discounts

GEICO is a top pick for the people in the service who want to save money. The company gives up to 15% in military discounts. If you go on deployments to danger zones, you get another 25% off.

The Military Deployment Center gives you helpful tools to make insurance tasks easier before you leave for duty. GEICO’s car insurance also has help on the road, money back for rentals, and help if your car breaks down.

• Get big discounts for all active and retired workers.
• Use special tools for each deployment that help you manage your policy in an easy way.
• This is offered all over the country, so it is simple for you to get what you need.

GEICO gives good prices and makes things easy for people in the military. The company has products made just for them.

3. Armed Forces Insurance – Best for Rate Shopping

Armed Forces Insurance (AFI) helps you compare rates by showing quotes from more than one insurer. This helps people in the military find policies that fit what they need and don’t cost too much.

AFI also has services to help you if your identity is stolen. The company gives support with PCS moves, too. It works in all 50 states and has an A+ rating from the BBB. AFI gives the military and their families good and trusted insurance plans that fit their needs.

For military families who want good prices and easy options, AFI makes rate shopping simple. This is a smart choice for them.

4. Farmers Insurance – Best for Coverage Options

Farmers Insurance lets people choose coverage to fit what they need. This is good for those in the military. You can pick from basic property damage plans. There are also special policies you can get. Farmers gives you flexibility in what you choose.

Benefits include:

• Discounts of up to 10% for those in the service
• You can bundle home and car insurance
• Coverage for classic cars and better options to keep your things safe

Farmers is known for the way it offers coverage that can be changed to fit your needs. The company also works hard to keep prices low.

5. Progressive – Best for Flexible Policies

Progressive has insurance plans for military families that are easy to change and fit many needs. You can switch or change your coverage at any time. This helps people who have a busy and changing lifestyle.

A great thing about this is the Deductible Savings Bank. This helps lower your deductible each time you go a period without making a claim. People in the military can get to some good, low-cost plans that will help them feel more at ease.

Progressive’s plans can change to fit what you need. The company gives help that you can trust. It is a good choice for families who want options that work for them.

6. State Farm – Best for Customer Service

State Farm is often at the top when it comes to how happy people are with their experience. The company is known for being reliable and helping military families look after their policies easily.

Drivers who have clean records can get big discounts. You also get more savings with the Drive Safe & Save program, which uses telematics.

State Farm offers strong help when you need to file a claim. They have good rates and are known for being a company you can trust, especially for military policyholders.

7. Nationwide – Best for Infrequent Drivers

Nationwide helps people in the military who do not drive much. The SmartMiles program from this company lets you pay based on how many miles you drive. This can save you money if you are sent away for work or if you use your car only once in a while.

Features:

• Save money on your premiums by how much you use your car
• Get custom policies if you have driving habits that are not regular
• There are discounts for safe driving and when you bundle other services

Nationwide’s usage-based insurance is a good choice for military drivers. These drivers often have busy and changing schedules.

8. Liberty Mutual – Best for Bundling Policies

Liberty Mutual has good options if you want to bundle home, life, and auto insurance. For military families, this can help cut costs and give more coverage at the same time.

Bundling can help you save up to 20%. These policies also cover classic cars, motorcycles, and some special cases for military use.

Liberty Mutual’s all-in-one plan is good for families that want full, bundled coverage.

9. Esurance – Best for Online Experience

Esurance focuses on giving a smooth experience online. It makes it easy for military people to handle their policies on the website. You can do things like get quotes or file claims. The platform works well and is simple to use.

It lets you change rules based on duty status. You can use the mobile tools at any time, which makes it easy for people who are stationed in any place.

Esurance is a good choice for people in the military who want to use online tools and have the ease of handling their insurance on the internet.

10. Allstate – Best for Customizable Plans

Allstate helps military families by letting them adjust their insurance for how they drive or when they have to go on duty. The company offers things like roadside help, rental payback, and savings when you put several types of insurance together.

Benefits:

• There are custom plans made for people who are on active duty or deployed.
• You can save money with many bundling discounts.
• You will get reliable help with claims, and there are satisfaction guarantees.

Allstate gives you many choices for your policy. There is a lot of flexibility to fit your life in the military. This can help as your needs change over time.

Things to Think About When Choosing Military Car Insurance

Choosing the right policy is about looking at a few things. The cost can change based on how much coverage you pick. It is important to check for any discounts for military people and storage choices when you are on deployment.

Also, look at customer happiness scores and how people feel about the insurer from the National Association of Insurance Commissioners. Checking these things can help make sure the policy is good for your money and your way of life.

Eligibility Rules for Military Discounts

It is important to know who can get military insurance benefits. The people who often get this are active duty members, veterans, cadets, officer candidates, and their close family members.

Main points:

• Most active and retired military members can get this.
• Cadets and midshipmen might also get it if they show the right documents.
• You need to give papers that show you were in, like deployment orders or discharge forms.

Checking if you are eligible helps you get the full range of discounts that are there for you.

Options for Deployment and Storage Coverage

Deployment can make insurance harder to understand. Getting storage coverage helps to keep your car safe when you do not use it. This way, you can avoid gaps in your insurance or problems from storms or people trying to damage your car.

Some insurers give you lower rates if you keep your car on base. Other insurers also cover your car if you store it somewhere else while you are deployed.

Talking about these options with your provider helps make sure you get the right safety during long times away.

Final Thoughts

Choosing the right car insurance company as someone in the military can have a big effect on your money and on how safe you feel. This showed the top military car insurance providers for 2025. Each one here has special features made for what you need.

When you choose, look at if you get discounts, what storage you have during deployment, and how good the help is from customer support. If you check your options well, you can find coverage that works for you and saves money. If you want help that fits you, talk to the insurer that matches your situation.

Frequently Asked Questions

What documents are needed to get military car insurance discounts?

You may have to show your deployment letters, discharge certificates, or ROTC contracts to prove that you can get these lower rates.

Can veterans get the same benefits as active-duty military members?

Yes. Many providers give military discounts and benefits to veterans and their families.

How does deployment affect my car insurance rates?

When you are away for deployment, your car insurance rates can get lower if you choose storage options. This often happens if the car is not in use.

Is it possible to pause car insurance during active deployment?

Yes. Many insurance companies will let you lower or stop your coverage when you are deployed. A storage policy can help protect your car while also saving you money, since you will not have to pay for full coverage.

Written by Jason Zweig Updated June 25, 2025 by Albert Fang