Military car insurance
Image Credit: USAA

As a member of the military, you have a lot of things to worry about. The last thing you want to worry about is whether or not your car insurance will be there for you when you need it. Many companies claim to be the best military car insurance, but how do you know which is the best, cheapest, and offers discounts? If you’re in the military and looking for the best military car insurance companies in 2023, look no further. We’ve compiled a list of the best companies based on customer satisfaction, affordability, and coverage options. Keep reading!

What Is Military Car Insurance?

Military car insurance is specifically for people who are in the military. It can be hard to find insurance for all the bases that military car insurance does, so it is crucial to do your research before you purchase a policy. This insurance covers towing, rental car reimbursement, and gap coverage.

Best Military Car Insurance Companies In 2023

A few military car insurance companies are considered the best in 2023. These companies include USAA, Geico, and Progressive. Each of these companies has different rates and coverage options, so compare them before choosing one.

#1. USAA

USAA  is one of the best military car insurance companies. They offer discounts of up to 15% for active duty and retired military members, good customer service, and a wide range of coverage options.

The company offers a variety of insurance products, including auto, property, life, and health insurance. USAA serves more than 13 million military members and their families and is one of the largest insurers of vehicles in the United States.

#2. Geico

Geico is a great military car insurance company. They offer discounts of up to 20% for active duty and retired military members. They are known for a wide range of coverage and excellent customer service.

As one of the leading car insurance companies in the United States, Geico has been providing high-quality coverage and service to its customers for many years. With many coverage options and discounts available, Geico is perfect for those looking for affordable car insurance. In addition to its competitive rates, Geico offers some unique features, such as its 24/7 customer service, online tools and resources, and Ride-Share insurance program.

#3. Progressive

Progressive is another good military car insurance company with discounts of up to 30% for active duty and retired military members. They offer different coverage options and discounts, making them the best choice for many drivers.

One of the best things about Progressive is that they offer a wide variety of discounts, including discounts for good drivers, safe drivers, and drivers who have taken defensive driving courses. If you are searching for an insurance company that is both progressive and offers a variety of different coverage options and discounts, then Progressive is a great choice.

What Is The Military Car Insurance Called?

Military car insurance is called Military Auto Insurance. It is a unique insurance policy designed for active-duty military personnel and their families. The policy provides coverage for your car while deployed overseas. It also protects your vehicle if stolen or damaged while you are away from home.

How Does Military Insurance Work?

In the U.S., many insurance programs are available to military members, including health, life, and dental insurance. Military insurance comes through the Department of Defense’s TRICARE program.

TRICARE provides health care coverage for active duty and retired service members, their families, and survivors. The program includes a variety of health care plans, each with different levels of coverage and costs. TRICARE also offers prescription drug coverage, mental health services, and dental care.

Active duty service members and their families are eligible for free health care coverage through TRICARE. Retired service members and their families may be eligible for TRICARE coverage if they meet criteria, such as having a service-related disability or being over age 65. Survivors of deceased service members may also be eligible for TRICARE coverage.

Who Qualifies For Military Insurance?

There are a few different types of military insurance available in the United States, and who qualifies for each depends on a few factors. 

  • Active duty military personnel and their families are eligible for Tricare, the health insurance that comes from the military. 
  • Veterans and their families may be eligible for Veterans Affairs health care benefits. 
  • National Guard and Reserve members are eligible for Tricare if they are called to active duty for more than 30 days. 

Furthermore, other programs offer health insurance to military personnel and their families, such as the Military Health System and the Department of Defense’s Civilian Health and Medical Program.

How Much Is Active Duty Military Car Insurance?

Active duty military car insurance in the United States can vary depending on factors such as the type of insured vehicle, the state in which the vehicle is registered, the company, and the coverage levels. 

However, according to the Military Times, the average cost of active duty military car insurance is $1,258 per year. This is significantly higher than the national average of $842. The reason is that soldiers are often stationed in high-risk areas and are more likely to be involved in accidents.

How Much Is Military Insurance?

There is no definitive answer to this question, as military insurance rates in the United States can vary depending on some factors, such as the sought insurance coverage, the provider, the location of the insured, and more. 

However, some general estimates for military insurance rates are by conducting a quick online search. According to a recent study, the average cost of military insurance for a family of four was $9,023 per year. This figure does not include dental or vision coverage, which can add cost. Military insurance rates have been high in recent years due to the increment in healthcare. These rates are likely to change over time, so it is vital for those interested in obtaining military insurance to do their research and compare rates from multiple providers before making a decision.

Best Military Car Insurance Discounts You Can Get

There are many different types of military car insurance discounts that you can get in the United States. Some of the best include discounts for active duty military personnel, reservists, National Guard members, and veterans.

#1. Active duty military personnel 

In the United States are eligible for some discounts. For example, many insurers offer a discount of up to 25% for active-duty military personnel. Additionally, many insurers offer a military discount on any car policy.

When shopping for car coverage, be sure to ask about any discounts available to you as active-duty military personnel. You may be surprised at how much you can save on your car insurance by taking advantage of these discounts.

#2. Reservists Car Insurance Discounts

When you are a reservist in the United States, you are entitled to some discount car insurance. The most common of these is the USAA insurance, which offers discounts of up to 15% for reservists. Other companies, such as Geico and Progressive, also offer similar rates.

To get these discounts, first, show your military ID for the insurance. These discounts can save you significant money on car insurance premiums, so ask about them when shopping for a policy.

#3. National Guard members

They are eligible for some car insurance discounts in the United States. These discounts can help save money on premiums and make it more affordable to own a vehicle. Some of them available to National Guard members include:

  • Discounts for good drivers.
  • Discounts for military personnel.
  • Discounts for multiple vehicles.
  • Discounts for safety features.

Thus, good drivers can save money on their car insurance by taking advantage of the National Guard’s good driver discount. This discount is available to drivers with a clean driving record and no accidents or traffic violations.

#4. Veterans

Finally, you can also check with your employer to see if they offer any discounts on car insurance for members of the military. Many employers will offer a discount if you are a military member or a veteran.

The Benefits Of Military Car Insurance

There are many benefits to having military car insurance in the United States. 

  • One of the main benefits is that soldiers can get lower rates on their car insurance than the general public. This is because insurers view them as being less of a risk to insure. 
  • Another benefit of military car insurance is that it can be easier to obtain than regular car insurance. This is because insurers are often more willing to work with military members to get them coverage.
  • Finally, most military car insurance policies protect rental cars and temporary housing. They also often have lower rates than regular car insurance policies.

Is There Military Car Insurance?

Yes, there is military car insurance in the United States. This type of insurance comes from companies that specialize in providing coverage for military personnel and their families. 

Military car insurance typically gives discounts to active and retired service members and their spouses and dependents. In addition, military car insurance may offer unique features and benefits that are not available with civilian car policies.

What Insurance Does The US Military Use?

The United States military uses a health insurance system called TRICARE. TRICARE is a health care program for active duty and retired soldiers, their families, and survivors. 

The TRICARE program is under the Department of Defense. It provides healthcare coverage for over 9.4 million beneficiaries and offers a wide range of healthcare services, including preventive care, routine care, hospitalization, and mental health care. TRICARE also provides prescription drug coverage, dental care, and vision care.

Does Military Get Cheaper Car Insurance?

Insurance rates vary from company to company and on individual factors such as driving history. However, some companies may offer military discounts on car insurance rates, while some insurance companies may offer discounts to military personnel or veterans. It is always best to compare rates from multiple insurers to ensure you get the best deal.

What Is The Cheapest Military Car Insurance?

There are a few things to consider when looking for the cheapest military car insurance in the U.S. 

  • First is the type of coverage you need. There are three basic types of coverage: liability, comprehensive, and collision. Liability insurance covers damage to other people and property if you are at fault in an accident. Comprehensive and collision insurance covers damage to your vehicle.
  • Secondly, consider the deductible. It is the amount you will have to pay out of pocket before your insurance company starts to pay for damages. A higher deductible will usually result in a lower premium.
  • Thirdly, consider the available discounts. Many companies offer discounts for things like being a safe driver, having a good credit score, or being a soldier.

Hence, comparing rates from different companies is the best way to find the cheapest military car insurance. Be sure to consider all these factors to get the best rate possible.


The best military car insurance companies refer to those that offer discounts to military personnel and their families. Some of the best companies for military car insurance include USAA, GEICO, and State Farm. Therefore, these companies give up to 20% discounts on car insurance rates for soldiers and their families.


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