Insurance for Military Vehicles


Car insurances cannot be the same for all individuals. Each package is specifically designed for a group of people. Our needs change as we grow old. Some individuals get restricted due to geographical locations while others because of something else. Please keep in mind that insurance companies design different packages for different people. Individuals who work for the army or have previously worked as servicemen are often offered a unique package. It cannot be similar to what an ordinary citizen might get. Men and women in the military oftentimes move to new bases or end up deployed in other countries at some point during their service period. Hence, such changes do not require regular coverage. The insurance policies for such individuals are different and oftentimes relaxation is provided to them.

The best part is that various insurance companies offer special coverage for men and women in the service. Certain insurers like USAA and Armed Force Insurance specially design packages for veterans and on duty or active personnel, while other insurance firms offer discounts along with certain advantageous options. We’ve had the chance to explore a bit; we ultimately came up with a list of companies that offer the best discounts and coverage for the people working in the military or army.

Following are some of the best companies that offer car insurance to men and women working in the army:

USAA: Perfect for all military personnel and their families.
GEICO: They offer the best military discounts.
Esurance: Perfect for on-duty personnel.
Armed Forces Insurance: Best for veterans or retired military personnel.

How does car insurance work for military personnel?

The basic policies are almost similar for all individuals – be it military personnel or ordinary citizens. However, the people working for the military do enjoy certain perks when they opt for this particular insurance. The coverage for active servicemen or women does come with a set of special rules, though. For example, multiple states allow servicemen and women to maintain vehicle registration through their state no matter where they’re deployed. Please bear in mind that each insurance company offers its own set of rules and requirements when a particular officer gets deployed overseas. Furthermore, certain companies remain limited to military men and women. Therefore, if you’re willing to opt for military insurance, you’d find multiple options on your plate.

What precisely is a typical discount?

Just like any other discounts, car insurance discount rates vary from company to company. For example, some may offer you 20% while the rest 12%. It just depends on the company. As far as the military discount rates are concerned, most firms that provide military car insurances offer a discount of 5% to 15% for on-duty and retired members of the military.

Which insurance companies offer military discounts?

Please bear in mind that not all insurance companies offer military discounts. If you are looking for firms that do, then please have a look at the following list to save some of your bucks; the companies that offer a military discount are:

  • USAA
  • Armed Forces Insurance
  • Esurance, Farmers
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm

Do retried military personnel or veterans get a discount on car insurance?

Please know that not all companies offer military discounts to veterans or retired military members. However, there are multiple companies that actually do. The insurance companies that offer discounts include AFI, USAA, GEICO, Progressive, Nationwide, Liberty Mutual, and Farmers Insurance. Just like with any other company, you’d be asked to have a chat with one of their customer representatives. It’s mandatory so you can have a clear idea about what sort of discounts they are offering.

How can you obtain a military discount on car insurance?

You’d have to go through a specific procedure in order to obtain a military discount. Please keep in mind that the verification process is different for each individual. To get a military discount, you’d be required to submit the following documents:

  • State issued photo ID (driver’s license, state ID card or passport)
  • D214 Member 4 copy
  • Academy appointment letter or ROTC contract
  • Active duty military orders
  • Discharge certificate
  • Leaving and earning statement
  • NGB22

Furthermore, in addition to providing discounts for on-duty and retired military personnel, certain car insurance firms such as Esurance will allow active duty service members to cancel their insurance policy for a short period of time; they do this as a favour so the servicemen can save some bucks.

In order to avail this particular service, you’ll have to provide them with a proof of deployment or your active service military orders. Moreover, you’d have to assure them that your vehicle will remain in your storage for a certain time period and none will use it in your absence.


As stated above, there are multiple companies that offer military car insurances. The best way to go about it is by doing the appropriate research. Seek companies that suit your needs so you can avail the best. Also, have an in-depth conversation with one of the representatives once you choose a company. Tell them what your primary concerns are, and I am certain they’d be able to guide you in a better way. Insurance companies are generally nice, especially the ones that deal with the servicemen or women.


Looking for the right car insurance can oftentimes feel like a hard and overwhelming chore. However, when we talk about military car insurance companies in general, there are certain companies that stand out from the lot. While you should always clear your concerns and look for the very best before signing the papers, there are multiple companies that are trusted by various veterans and army personnel. Seek their professional advice if you must because opting for insurance is indeed a massive task. Sign the dotted line once you are comfortable with what they are offering. Do not just blindly dive in; lack of proper knowledge or research oftentimes lead to massive issues that get hard to digest. There are companies that are reputable and offer good services to the military men and women.