Best car insurance for military and veterans to buy for 2021

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Being prepared comes with costs. This is especially true when it comes to car insurance — typically, if you want the best coverage, your costs will be higher. It’s not uncommon for car insurance premiums to set drivers back thousands of dollars a year. However, there are some policies specifically for veterans and active-duty US service members that can help them save big on auto insurance rates. If you’re in one of those groups, it may pay to look at military car insurance discount programs.

“Current and former military [personnel] should shop for insurance just like everyone else,” says Dan Karr, CEO and founder of ValChoice, an independent platform for insurance analytics and ratings. “This means claims handling should be included as an important factor. The difference for former and current military [personnel] is they may have additional options available that may not be available to the general public.”

Many of the largest insurers in the country offer military discounts to service members and veterans. These discounts, which take different forms, are offered by auto insurance companies such as Geico, Allstate, Progressive and Nationwide. Some car insurance companies offer a straight percentage off their premiums, while others have car insurance discounts for active duty service members who are separated from their vehicles due to the demands of their jobs, those deployed in imminent danger pay areas and for cars that are in transit to overseas service members. Some car insurance companies offer both kinds of benefits, so make sure you shop around.

USAA is widely known by military members and veterans for excellent insurance rates and customer service.


USAA

It also makes sense to do your due diligence. “Keep in mind that the lowest price isn’t always the ‘cheapest’ option,” says Janet Ruiz, director of strategic communication at the Insurance Information Institute. “Make sure the company you choose is reputable, and that you’re comfortable with the service you get from the insurance professionals you speak to. Your state insurance department or online consumer information sites may provide information on consumer complaints by company to help you choose the right insurance company for your needs.”

There are also auto insurance company options that only serve service members and veterans, offering them prices that larger car insurance organizations typically can’t match. USAA is one of the best-known, lauded for its great rates and service (including accident forgiveness, safe driver discounts, and defensive driving discounts). Technically, you don’t even have to be a service member or veteran to qualify with USAA, as their families are also eligible for coverage.

Still, it pays to shop around. “Consumers of all types (whether military, civilian or members of some other group), should focus on finding the best insurance where they live,” advises Karr. “The best insurance provider[s] for military members and veterans are the companies in their state that provide the best protection at a fair price. This may or may not be companies that market specifically to their demographic.”

Here are the best military car insurance companies for military members and veterans according to experts and customer ratings on popular review sites.

Read more: Best life insurance companies for 2021  

USAA

Whether you’re an active-duty military service member, a military veteran or a family member of either one, there’s no better car insurance provider than the United Services Automobile Association (USAA). 

Though only people who fall into those categories can take out policies with USAA, they’ll find themselves eligible for cheaper rates than they’d get anywhere else. According to their website, customers who switch their auto insurance policies to USAA save an average of $707 on their auto insurance annual premiums.

Those low rates for auto coverage are a big draw, but they’re not all USAA members enjoy. USAA auto insurance is routinely lauded for the services it provides, which include accident forgiveness, liability coverage, and the availability of flexible payment plans. USAA’s towering customer satisfaction rates even drove The Financial Brand to proclaim it “The most beloved financial brand on Earth.” That’s high praise, but USAA customers would be hard pressed to disagree.

The bottom line is that if you’re eligible for a car insurance policy with USAA, it’ll probably be your best option. Make sure you at least get a car insurance quote from USAA before making your final decision.

Geico

Geico routinely tops lists of the best auto insurance policies available, and while the company doesn’t quite match car insurance rates with USAA, the military discount it offers to current and former service members make it the best choice of the more mainstream auto insurance policy providers.

All active duty military and retired military personnel, as well as members of the National Guard or Reserves, are eligible for up to 15% off their total insurance rate premiums. Given Geico’s industry-low prices, this additional insurance discount makes the company’s auto insurance policies affordable. Geico also offers an additional Emergency Deployment Discount to customers who deploy into a military base in imminent danger pay areas, as designated by the Department of Defense.

The customer service for which Geico is so beloved extends to military personnel, as well. The company has a special team dedicated to military assistance, as well as a toll-free line dedicated to serving these customers (it can be reached easily at 1-800-MILITARY).

Service members and veterans looking for affordable car insurance coverage from an insurer that’s recognized around the world should consider Geico as they make their selection.

Armed Forces Insurance

Armed Forces Insurance (AFI) may not be as well-known as USAA, but it serves the same military family customers and offers similarly low rates. That alone makes AFI worth checking out if you think you might be eligible for auto insurance coverage.

One of the most glaring differences between AFI and USAA is reflected in the companies’ customer satisfaction and ratings. While USAA is routinely praised by customers and has been given high ratings by a variety of organizations, opinion on AFI is more divided. AM Best has given AFI a B++ financial strength rating (as compared to USAA’s A++), while Yelp and other customer review platforms are filled with disagreements about the company’s level of service.

That said, one major draw for AFI is that its eligibility requirements are broader than USAA’s. Not only are active duty and retired service members and their children and spouses able to get coverage with a military discount, but the same applies to Department of Defense civilian employees, officers of the National Oceanic and Atmospheric Administration and the US Public Health Service. If you fall into one of those groups (or have in the past), AFI may be your cheapest insurance company option.

Direct Auto Insurance

Like with geico, you don’t have to be military personnel to sign up for coverage with Direct Auto Insurance, but if you are, you’ll be eligible for a host of military car insurance discounts. Before you get started, though, it’s worth mentioning that these military auto insurance discounts only apply to active members of the military, not veterans.

If you are a member of any branch of the US Armed Forces, including the National Guard or Reserves, you can qualify for up to 25% off many different kinds of insurance coverage, including comprehensive, collision, bodily injury, uninsured motorist and property damage. Direct also offers flexible payment options designed to make covering your premiums easier.

The discounts and customer service that Direct offers makes the company worth checking out, but only residents of seven states are eligible for a military discount through Direct. If you live in Alabama, Arkansas, Florida, Louisiana, Missouri, South Carolina or Texas, make sure you get a quote from Direct and factor it into your process.

Comparison of best car insurance companies for military and veterans

Company Military service discounts Additional benefits
USAA Continuing family coverage, military installation storage. Award-winning service and coverage.
Geico Military personnel, emergency deployment. Dedicated hotline for military customers.
Armed Forces Insurance Company membership determined by military status. Additional discounts include good driving record and multiple cars. DOD civilian employees and NOAA and PHS commissioned officers eligible.
Direct Auto Insurance Military personnel, depending on state (see above). Flexible plans available to accommodate military demands.

Strong car insurance options for military members and veterans

It’s not hard to see why USAA is the best car insurance company for military members and veterans. Not only does it offer the kind of insurance product that people need to feel protected, but its coverage is also the cheapest around. Geico is a strong second choice for service members and veterans, as it offers dedicated coverage and the best military car insurance discounts on its already-low prices.

If you’re a military member living in Alabama, Arkansas, Florida, Louisiana, Missouri, South Carolina, or Texas, Direct Auto Insurance is worth a gander.


Direct Auto Insurance

Whichever auto insurer you choose, your military service may potentially mean savings. For that reason, it’s important to always check your eligibility and inquire about the rates and discounts that service members, veterans, and their families can get.

5 things to do when applying for car insurance as a military member or veteran

  • Look for quotes from a variety of insurance companies. Make sure to include companies that offer military discounts, as well as those that only serve the military.
  • Choose the plan that makes the most sense for you, based on the car insurance discounts for which you qualify, the company’s customer service, coverage options, and the final price.
  • Gather documented proof of your identity and your military service such as your military ID (or the service of your family member, along with proof of relation).
  • Submit the appropriate documents to your insurer of choice, then wait for final approval.
  • Once your policy takes effect, drive safely!

Written by Scott Fried for Roadshow.

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1 COMMENT

  1. I want to share a message that has been spreading all over the internet that concerns the times we are living in. Whether you believe in God or not, this is a must read message!

    We can see throughout time how we have been slowly conditioned to come to this point where we are on the verge of a cashless society. Would it surprise you to know that the Bible foretold of this event? Don’t believe me? This may be the most imporant message you will read in these times…please do not ignore this!

    This messsage reveals what the Mark of the Beast is, and the meaning behind counting a number people have been pondering for centuries, 666. This message also shares why Barack Obama will be the Antichrist. This is truly a message from God!

    In the Revelation of Jesus Christ given to the apostle John, we read:

    “He (the false prophet who deceives many by his miracles) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666” (Revelation 13:16-18 NKJV).

    Referring to the last generation, this could only be speaking of a cashless money society, which we have yet to see, but are heading towards. Why? Revelation 13:17 tells us that we cannot buy or sell unless we receive the mark of the beast in our right-hand or forehead. We could still buy or sell among one another without receiving the mark if physical money was still currency. It logically deduces itself to this reason.

    These verses could not be referring to something spiritual because the word references two different physical locations (our right-hand or forehead) stating the mark will be on one “OR” the other. It once again logically deduces itself to this reason.

    Here is where it really starts to come together. It is shocking how accurate the Bible is concerning the RFID microchip. These are notes from a man named Carl Sanders who worked with a team of engineers to help develop this microchip in the late 1960’s.

    “Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about a one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand (the two places Revelation says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

    Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16-18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.” Carl believes this refers to a hypodermic needle (see photo).

    Mr. Sanders asked a Boston Medical Center doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor responded that if the microchip broke inside a human body, the lithium would cause a severe and painful wound filled with pus. This is what the book of Revelation says:

    “And the first (angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).

    THE HIDDEN MEANING BEHIND THE NUMBER 666 REVEALED!

    What I first want to mention, before I share what the Holy Spirit has revealed to me concerning the number of the beast, is that God confirms in threes. We can see this throughout scripture:

    “For there are three that bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one” (1 John 5:7 NKJV).

    “and that He was buried, and that He rose again the third day according to the Scriptures” (1 Corinthians 15:4 NKJV).

    “…Holy, holy, holy, Lord God Almighty, Who was and is and is to come!” (Revelation 4:8 NKJV).

    There are many more examples, but I thought I would just share three of them to make the point.

    Examining Revelation 13:16,17,18, the first group of three I would like to point out is that the mark of the beast is described in three separate verses, 16, 17 and 18.

    The next three I see is in verse 16, “He causes all…” is followed by three contrasting categories of people,

    1 – “both small and great,
    2 – rich and poor,
    3 – free and slave…”.

    Then unto verse 17, it opens with, “and that no one may buy or sell except one who has…”, followed by three explanations of what one must have to buy or sell,

    1 – “…the mark
    2 – or the name of the beast,
    3 – or the number of his name”.

    Now unto verse 18, we read “Let him who has understanding calculate…”, which is followed by,

    1 – “the number of the beast,
    2 – for it is the number of a man:
    3 – His number is 666”.

    The last three I see is the number “6” being used three times in a row. The reason I’m making this point about God confirming in three is because it is the key to unlocking how to calculate the number 666.

    Throughout the centuries there have been people trying to calculate numbers based on titles and names that come up to the number 666 to identify one person, the Antichrist; but from Revelation 13:18, I do not see where God is telling us to count up to 666, but rather to count the number of the beast. This number is identified as 666. So the verse is telling us to count the number 666.

    What does it mean to count? It means to add up. So how could we add up 666? Remember my previous point about God confirming in threes is key to unlocking the number 666. So logically, what would be the best way to count the number 666? To count it equally by using the rule of three based off the number.

    We cannot count it equally as 600+60+6, this would also bring us back to the start.

    We cannot count it as 600+600+600, or 60+60+60 because there are no zeroes in between or at the end of 666.

    The only logical option is 6+6+6=18.

    What is interesting is that the verse that reveals for us to count the number itself is verse 18 (there a total of 18 verses in Revelation Chapter 13), being the third verse out of the three verses that describe the mark of the beast in Revelation 13:16,17,18. What is 18 divided by 3? 6. So 3×6=18, or 6+6+6=18.

    Another interesting point is the only two other combinations (making a total of three possible combinations) for placing a “+” symbol in between 666 are:

    66+6=72 and 6+66=72.

    Add both 72’s together and you get 144.

    Why the number 144 is worth our attention is because the verse following Revelation 13:18 is the first time in the Bible where the 144,000 are being described in detail:

    “Then I looked, and behold, a Lamb standing on Mount Zion, and with Him one hundred and forty-four thousand, having His Father’s name written on their foreheads…” (Revelation 14:1).

    Now if you add up all three numbers from counting 666 by moving the “+” symbol around, it would be 72+72+18=162. What is compelling about the number 162, is, if you divide 144,000 by 162, you get 888. The name of Jesus in Greek gematria adds up to 888. The New Testament was originally written in the Greek language. Revelation 14:1 not only mentions the 144,000, but also the Lamb who is Jesus.

    Now what is interesting about the number for Jesus, 888, is that if you apply the same formula that was used to count 666, you get 8+8+8=24. Why the number 24? Revelation chapter 4 tells us there are 24 elders seated around the throne of God. This is the same throne where Jesus sits.

    Now if you take:

    8+8+8=24

    8+88=96

    88+8=96

    you get 24+96+96=216.

    Take 144,000 divided by 216 and you get 666.

    Remember that this was the same exact formula we used to count the number 666 that ultimately brought forth the number 888.

    Here is a quick recap to demonstrate how this formula confirms itself as being the true way to count 666:

    1: 6+6+6=18 > 66+6=72 > 6+66=72 > 18+72+72=162

    2: 144,000 divided by 162=888

    3: 8+8+8=24 > 88+8=96 > 8+88=96 > 24+96+96=216

    4: 144,000 divided by 216=666

    1: 6+6+6=18 > 66+6=72…

    As you can see, it is perpetual. And remember that we consistently used a formula that worked in threes being the number that God uses for confirmation.

    So what could this mean? Well we know in this world we are identified by numbers in various forms. From our birth certificate to social security, as well as our drivers license; being identified based on a system of ruler ship. So it is possible that this RFID microchip will contain a new identification that has a total of 18 characters (6+6+6).

    “here the wisdom is, the one having the mind let him calculate the number of the wild beast, number for “of human” it is, and the number of it 666″ (Revelation 13:1, Greek Translation).

    The Greek word “anthrōpos” being used in verse 18 where it says “of human” is the Greek strongs concordance G444. The first two definitions of the word are “a human being, whether male or female”, and, “generically, to include all human individuals”. Could the number of the beast apply to all mankind?

    In the Greek (the New Testament was originally written in the Greek language), and other translations, you will notice the beast is described as an “it”, instead of “him”. The reason I’m making this point is because when a translation says “His number is 666”, this would imply a singular person, the Antichrist. But by saying “the number of it 666”, implies that it is of the beast system as a whole.

    We can know the number of the beast cannot be to identify products (like a new barcode) to buy or sell because scripture says we cannot buy or sell without the number of the beast. What am I getting at? There will be instances where you could buy something someone made themselves and it wouldn’t have a store branded identification on it. But for this number to be in our chips, that is where it must be to conclude ultimately that we cannot buy or sell without having the number of the beast. As previously mentioned in Revelation 13:18, the number of the beast (6+6+6=18) is a “human number”, definition “generically, to include all human individuals”.

    Is your name written in the Lamb’s book of life? Jesus says that we must be born again to enter the kingdom of God in the Gospel of John chapter 3.

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11).

    BARACK OBAMA IS THE ANTICHRIST:

    In the Islamic religion they have man called the Mahdi who is known as their messiah of whom they are waiting to take the stage. There are many testimonies from people online who believe this man will be Barack Obama who is to be the biblical Antichrist based off dreams they have received. I myself have had strange dreams about him like no other person. So much so that I decided to share this information.

    He came on stage claiming to be a Christian with no affiliation to the Muslim faith…

    “In our lives, Michelle and I have been strengthened by our Christian faith. But there have been times where my faith has been questioned — by people who don’t know me — or they’ve said that I adhere to a different religion, as if that were somehow a bad thing,” – Barack Obama

    …but was later revealed by his own family members that he indeed is a devout Muslim.

    So what’s in the name? The meaning of someones name can say a lot about a person. God throughout history has given names to people that have a specific meaning tied to their lives. How about the name Barack Obama? Let us take a look at what may be hiding beneath the surface…

    “And He (Jesus) said to them (His disciples), ‘I saw Satan fall like lightning from heaven'” (Luke 10:18).

    In the Hebrew language we can uncover the meaning behind the name Barack Obama.

    Barack, also transliterated as Baraq, in Hebrew is: lightning

    baraq – Biblical definition:

    From Strongs H1299; lightning; by analogy a gleam; concretely a flashing sword: – bright, glitter (-ing, sword), lightning. (Strongs Hebrew word H1300 baraq baw-rawk’)

    Barak ‘O’bamah, The use of bamah is used to refer to the “heights” of Heaven.

    bamah – Biblical definition:

    From an unused root (meaning to be high); an elevation: – height, high place, wave. (Strongs Hebrew word H1116 bamah baw-maw’)

    The day following the election of Barack Obama (11/04/08), the winning pick 3 lotto numbers in Illinois (Obama’s home state) for 11/5/08 were 666.

    Obama was a U.S. senator for Illinois, and his zip code was 60606.

    Seek Jesus while He may be found…repent, confess and forsake your sins and trust in the savior! Jesus says we must be born again by His Holy Spirit to enter the kingdom of God…God bless!

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