Best Car Insurance for Veterans in 2024 (Top 10 Companies)
Discover the best car insurance for veterans, featuring exclusive 10% discounts from Progressive, Allstate, and USAA. These industry leaders offer tailored coverage and substantial savings, ensuring veterans receive competitive rates and personalized benefits that recognize their service.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 1, 2024
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UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
13,128 reviewsCompany Facts
Full Coverage for Veterans
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
11,413 reviewsCompany Facts
Full Coverage for Veterans
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
6,435 reviewsCompany Facts
Full Coverage for Veterans
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviewsProgressive, Allstate, and USAA emerge as the top contenders for the best car insurance for veterans, each offering tailored coverage and substantial discounts.
Among them, Progressive stands out as the top pick overall, providing competitive rates and comprehensive benefits specifically designed for military service members.
Our Top 10 Company Picks: Best Car Insurance for Veterans
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 15% | Online Convenience | Progressive |
 | #2 | 10% | 20% | Add-on Coverages | Allstate |
 | #3 | 10% | 15% | Military Savings | USAA |
 | #4 | 10% | 30% | Local Agents | Farmers |
 | #5 | 10% | 10% | Policy Options | Esurance |
 | #6 | 20% | 15% | Usage Discount | Nationwide |
 | #7 | 13% | 10% | Accident Forgiveness | Travelers |
 | #8 | 5% | 15% | Deductible Reduction | The Hartford |
 | #9 | 20% | 15% | 24/7 Support | Erie |
 | #10 | 10% | 10% | Customizable Polices | Liberty Mutual |
Explore how these leading companies cater to veterans’ needs with exclusive discounts and personalized coverage options.
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- Progressive provides a 10% veteran discount and tailored coverage
- Veterans benefit from competitive rates and comprehensive benefits
- Exclusive savings and coverage options await
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: The Progressive car insurance review reveals the company’s tailored coverage options for affordable premiums, especially for good drivers.
- Wide Coverage Options: Provides a diverse range of coverage options to suit different needs.
- Strong Industry Reputation: Holds a solid A.M. best rating, indicating financial stability.
Cons
- Average customer satisfaction: Some customers report average satisfaction in claims handling and customer service.
- Variable rates by state: Premiums and discount availability can vary significantly by location.
#2 – Allstate: Best for Add-on Coverages
Pros
- Strong Financial Stability: A+ A.M. best rating, indicating excellent financial health.
- Innovative Tools and Apps: Allstate car insurance review highlights its effective digital resources for managing policies and processing claims.
- Discount Variety: Multiple discount opportunities including multi-policy discounts.
Cons
- Higher Premiums: Can be more expensive than competitors for certain demographics.
- Mixed Customer Reviews: Some customers report issues with claims and customer service.
#3 – USAA: Best for Military Savings
Pros
- High Customer Satisfaction: Generally receives high ratings for customer service and claims processing.
- Competitive Discounts: Offers up to 10% multi-policy and 5% to 15% low-mileage discounts.
- Additional Military Benefits: USAA car insurance review offers advantages such as options for storing vehicles and discounts at military installations.
Cons
- Limited Eligibility: Services are exclusive to military members, veterans, and their families.
- Higher Average Premiums: May have higher rates compared to some competitors.
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#4 – Farmers: Best for Local Agents
Pros
- Variety of Discount Options: The Farmers car insurance review highlights the potential advantages of bundling insurance products, with the opportunity to save up to 10% through a multi-policy discount.
- Extensive Coverage Options: Wide range of coverage choices to cater to different needs.
- Reputation for Quality Service: Known for good customer service through local agents.
Cons
- Potentially Higher Rates: Can be more expensive than some competitors, especially for certain demographics.
- Varied Customer Experience: Customer satisfaction may vary depending on the local agent.
#5 – Esurance: Best for Policy Options
Pros
- Competitive Discounts: Provides up to 10% multi-policy and 5% to 10% low-mileage discounts.
- Efficient Claims Processing and Quote Online: Generally recognized for quick and efficient claims handling in the same time fast interaction and getting real quick quote online.
- Backed by all State: Benefits from the financial strength and reputation of Allstate.
Cons
- Limited Physical Presence: Fewer local offices, which might affect customers preferring in-person service.
- Mixed Reviews on Customer Service: Some customers report varied experiences with customer support.
#6 – Nationwide: Best for Usage Discount
Pros
- Flexible Policy Options: Nationwide car insurance discount showcases the company’s tailored coverage options, demonstrating its commitment to meeting individualized needs.
- Strong Online and Mobile Presence: Efficient digital tools for policy management and claims.
- Solid Financial Strength: Well-rated in terms of financial stability.
Cons
- Inconsistent Pricing: Rates can vary widely depending on location and other factors.
- Customer Service Varies: Some policyholders report mixed experiences with customer service.
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#7 – Travelers: Best for Accident Forgiveness
Pros
- Extensive Coverage Options: Wide array of coverage choices for comprehensive protection.
- Strong Financial Rating: Highlighting its tailored approach, Travelers car insurance review demonstrates the company’s commitment to providing customized coverage for its customers.
- Innovative Tools and Programs: Provides various tools and programs for customer convenience.
Cons
- Higher Premiums for Some: Rates can be higher for certain demographics or locations.
- Varied Customer Satisfaction: Customer service and claims satisfaction can vary.
#8 – Hartford: Best for Deductible Reduction
Pros
- Solid Financial Stability: Strong financial ratings ensure reliability.
- Range of Discounts: The Hartford car insurance discount demonstrates the company 5% multi-policy and 5% to 15% low-mileage discounts.
- Customer Centric Services: Known for good customer support and services.
Cons
- Limited Appeal for Younger Drivers: Less attractive for younger demographic due to focus on older drivers.
- Average Discount Range: Discounts are not as high compared to some competitors.
#9 – Erie: Best for 24/7 Support
Pros
- Competitive Discounts: Up to 20% multi-policy and 5% to 15% low-mileage discounts.
- Personalized Local Agent Experience: Provides a network of local agents for personalized service.
- Comprehensive Coverage Options: The array of coverage options showcased in the Erie car insurance review demonstrates the company’s tailored approach to meeting individual needs.
Cons
- Limited Geographic Coverage: Not available in all states, which limits its accessibility.
- Potential for Higher Premiums: Some customers report higher premiums compared to other insurers.
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#10 – Liberty Mutual: Best for Customizable Polices
Pros
- Strong Online and Mobile Tools: The Liberty Mutual car insurance review showcases the company’s tailored coverage options, demonstrating their commitment to providing personalized insurance solutions for customers.
- Global Presence: One of the largest insurers with a broad global presence.
- Variety of Add-ons: Wide selection of additional coverages and features.
Cons
- Inconsistent customer service: Some customers report variability in service quality.
- Pricing variability: Premiums can vary significantly based on individual circumstances and location.
Military Car Insurance
You’ll need proof of your military status to obtain any military or disabled veteran car insurance discounts. The verification process for military insurance and military discounts typically includes valid identification and military documentation. The documents required may include any of the following:
- Academy-appointed letter or ROTC contract
- Active duty military orders
- DD-214
- Discharge certificate
- Leave and earnings statement
- NGB-22
Some car insurance companies offer solutions when deployment changes your coverage needs. For example, you can pause your car insurance for your deployment’s duration to prevent a coverage lapse, which could lead to higher insurance rates. All you must do is inform your insurance company of your deployment, provide the necessary paperwork, and let them know when you return.
Car Insurance Monthly Rates for Military Veteran by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $70 | $140 |
| Erie | $90 | $165 |
| Esurance | $75 | $150 |
| Farmers | $60 | $120 |
| Liberty Mutual | $55 | $110 |
| Nationwide | $100 | $195 |
| Progressive | $80 | $160 |
| The Hartford | $80 | $155 |
| Travelers | $85 | $170 |
| USAA | $90 | $180 |
Often military members or veterans need specialized insurance. For example, deployment, moving to a different base, or becoming a veteran can all affect your rates. The good news is that many companies tailor policies for these situations, like USAA and Geico.
With a 10% discount and comprehensive coverage, Progressive stands as the top choice for veterans' car insurance..
Melanie Musson Published Insurance Expert
Always ask about military discounts on car insurance before you buy a policy, and compare quotes to figure out which company has the best price tag on the policy you need. Keep reading to compare the best car insurance for military members.
The Average Car Insurance Rates for Military Members and Veterans
Your rates also depend on the coverage type you choose. For example, a full coverage car insurance policy will be more expensive than parked car insurance, which you may want if you’re getting deployed and no one uses your vehicle.
Military members typically pay around $41 monthly, or $500 annually, for minimum insurance coverage. To delve deeper, refer to our in-depth report titled “How to combine car insurance coverage with the right deductible.” Full coverage often doubles this cost, averaging around $145 monthly. Costs vary based on policy type and military status.
It might seem surprising to learn that there isn’t too much of a gap between non-military drivers and active military or veterans. A non-military driver with full coverage pays about $139.50 each month, while minimum coverage costs around $47 per month. However, if you’re a military member or veteran looking to lower your rates, you may want to consider discounts and certain companies.
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Top Car Insurance for Veterans and Military Members
Leading companies for affordable car insurance among veterans and military personnel include Geico while USAA and Armed Forces Insurance cater specifically to the military.
USAA
For over a century, USAA has been a steadfast companion to military families, offering exclusive car insurance tailored to their unique needs. With a legacy of trust and commitment, USAA provides comprehensive coverage and unparalleled service to those who serve
- Exclusive car insurance for military members, veterans, and families.
- Wide range of coverage options including motorcycles, RVs, and more.
- Discounts for military members and their families.
- Highest customer satisfaction ratings. To gain further insights, consult our comprehensive guide titled “How do customer satisfaction ratings affect car insurance companies?.”
Choose USAA for unwavering support and superior coverage. From vehicles to homes and beyond, USAA stands by military families every step of the way, ensuring peace of mind and protection for what matters most.
Geico
Geico, a household name in insurance, extends its renowned service and savings to military members and veterans. With a focus on affordability and flexibility, Geico offers a wide range of coverage options to suit every need and budget.
- Offers a 15% discount for military members and veterans.
- Extensive coverage options including ATVs, RVs, boats, and motorcycles.
- Various discounts available including safe driver and loyalty discounts.
- High customer satisfaction ratings nationwide.
Count on Geico for reliable coverage and unbeatable savings. Whether it’s cars, motorcycles, or recreational vehicles, Geico delivers top-notch protection with a commitment to customer satisfaction, making insurance hassle-free for military personnel and their families. For additional details, explore our comprehensive resource titled “Geico car insurance discounts.“
Armed Forces Insurance (AFI)
Since 1887, Armed Forces Insurance has been a steadfast ally to military members and their families, providing comprehensive coverage and competitive rates. With a rich history of service, AFI remains dedicated to safeguarding those who serve our nation.
- Provides coverage for military members and families since 1887.
- Competitive rates and diverse policy options.
- Similar coverage options to Geico and USAA.
- No listed discounts but offers comprehensive coverage.
When choosing the best car insurance, consider individual needs and preferences. USAA stands out for its exclusive military focus and extensive coverage options, while Geico and AFI offer competitive rates and comprehensive coverage for military members and veterans.
Progressive Car Insurance: Comprehensive Coverage & Generous Discounts
Discover Progressive Car Insurance – your go-to destination for comprehensive coverage and remarkable discounts. With tailored options and unbeatable savings, we’re committed to keeping you protected on the road.
- Comprehensive Coverage: Includes liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and roadside assistance.
- Generous Discounts: Enjoy savings with multi-policy, multi-car, Snapshot® rewards for safe driving, good student, and continuous insurance coverage discounts.
- Convenient Online Tools: Easily manage your policy, file claims, and get quotes online or through our mobile app. For a thorough understanding, refer to our detailed analysis titled “How do you get Progressive car insurance quotes online?.”
Experience the multitude of benefits that Progressive Car Insurance offers today. Whether you prefer the convenience of managing your policy online or seek personalized assistance from our dedicated team, securing your peace of mind has never been easier.
Drive confidently knowing that Progressive is by your side, providing comprehensive coverage, unbeatable savings, and unwavering support whenever you need it.
Car Insurance Case Studies: Tailored Solutions in Action
These case studies demonstrate how personalized insurance solutions effectively meet diverse requirements, showcasing the adaptability and importance of customized car insurance policies.
- Case Study #1 – Roadside Assistance: A veteran driver experiences a flat tire during a late-night trip. Roadside assistance insurance swiftly provides towing services and tire replacement, ensuring peace of mind and quick resolution to unexpected roadside emergencies.
- Case Study #2 – Property Damage: A veteran driver accidentally damages a parked car. Property damage liability insurance covers repair costs and legal expenses, offering protection against unintentional property damage incidents.
- Case Study #3 – Rental Car Coverage: While on vacation, a veteran’s rental car is damaged in a collision. Rental car reimbursement insurance ensures uninterrupted transportation by covering the cost of a replacement vehicle while repairs are underway. For a comprehensive analysis, refer to our detailed guide titled “Compare rental car reimbursement coverage: rates, discounts, & requirements.”
Whether it’s roadside assistance, property damage coverage, or rental car reimbursement, insurance provides vital protection and peace of mind for veterans on the road.
With a 10% discount, tailored coverage, and minimum coverage starting at $80, Progressive is the top choice for veterans.
Scott W. Johnson Licensed Insurance Agent
Ensure you’re adequately covered with the right insurance plan tailored to your needs. Drive confidently, knowing you’re protected by car insurance designed with veterans in mind.
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Best Car Insurance for Veterans: The Bottom Line
If you’re a military member or veteran searching for car insurance, always compare companies to find the one offering the best rates. Keep your eyes peeled for available discounts and whether they stack.
You’ll also want to ensure you’re eligible, as eligibility varies based on military status. It also never hurts to look at customer reviews and the projected financial strength of a company to determine how well-established and stable it will be in the future.
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Frequently Asked Questions
What company has the best car insurance rates?
Determining the best car insurance rates depends on various factors such as your location, driving record, coverage needs, and eligibility for discounts. However, some companies known for competitive rates include Geico, Progressive, and State Farm. It’s essential to compare quotes from multiple insurers to find the best rates for your specific situation.
What are the available veterans car insurance discounts, and how can veterans discount car insurance help save on insurance premiums?
Veterans car insurance discounts can provide savings on insurance premiums for military personnel and veterans.
What active duty military car insurance options are available? And have you explored AFI auto insurance to establish eligibility for military or veterans car insurance?
The active duty military car insurance options available include various providers tailored to meet the unique needs of service members. One such option is AFI auto insurance, which offers specialized coverage and benefits for military personnel and veterans, ensuring eligibility for military or veterans car insurance.
For a thorough understanding, refer to our detailed analysis titled “Compare Military Personnel Car Insurance Rates.”
What are some key considerations when exploring options for veterans auto insurance coverage, veterans auto insurance quotes, and veterans auto warranty?
When considering veterans auto insurance coverage, it’s important to look for providers offering tailored benefits and discounts. For veterans auto insurance quotes, compare rates from multiple insurers to find the best deal. As for veterans auto warranty, check for options that provide comprehensive coverage for your vehicle’s needs.
Which insurance companies offer top-notch options for veterans automobile insurance, veterans car and home insurance, veterans car insurance, and veterans car insurance company coverage?
Some reputable options for veterans seeking specialized insurance coverage include USAA, Armed Forces Insurance, and other providers that cater specifically to veterans’ needs. These companies offer a range of policies, including veterans automobile insurance, veterans car and home insurance, veterans car insurance, and veterans car insurance company coverage.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Have you explored air force or armed forces auto insurance options, including reviews for armed forces car insurance?
Yes, if you’re considering auto insurance for members of the air force or armed forces, it’s essential to explore options specific to these groups, such as armed forces car insurance, while also checking reviews to ensure comprehensive coverage and reliable service.
To expand your knowledge, refer to our comprehensive handbook titled “How do you get car insurance fast?.”
What are some key considerations for veterans when selecting car
Veterans should look for insurers that offer specialized coverage tailored to their needs, such as discounts for military service, flexible deployment policies, and comprehensive coverage options. Providers like USAA and Armed Forces Insurance are known for catering specifically to veterans.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
How do car insurance rates for veterans compare to those for non-military individuals?
Car insurance rates for veterans can vary depending on factors like driving history, location, and coverage needs, but they often benefit from discounts and specialized policies offered by insurers like Geico and Progressive. While rates may differ, veterans can typically find competitive options through providers with military-focused programs.
What are the top auto insurance providers offering specialized coverage and discounts tailored for military members, military personnel, military veterans, and their families?
The top auto insurance providers offering specialized coverage and discounts tailored for auto insurance for military members, auto insurance for military personnel, auto insurance for military veterans, auto insurance for veterans, and auto insurance for veterans and their families include USAA, Armed Forces Insurance, and Geico.
To expand your knowledge, refer to our comprehensive handbook titled “Compare Specialty Car Insurance Rates.”
What steps can veterans take to ensure they’re getting the best car insurance coverage for their needs?
Veterans can start by researching insurers that specialize in serving military members, such as USAA and Armed Forces Insurance. They should also compare quotes from multiple providers to find the best rates and coverage options. Additionally, veterans should consider factors like customer service, claims process efficiency, and available discounts when selecting a car insurance provider.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
