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Car Insurance Discounts for Active Duty and Military Veterans

If you’re a military veterans, you may qualify for grants and discounts on your auto insurance. Learn how the process works and find out how you can save big.

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Owning and insuring a car can be expensive. Whether you’re a veteran or active duty service member, you may be looking for ways to save money on your monthly bills, including your car insurance. Current and former members of the military have a variety of options to save money on their insurance premiums.

In addition to wanting to say “thank you for your service” with a hefty discount, car insurance companies know that you’ve received specialized training as a service member, so you aren’t the average customer. Your skillful driving abilities plus your sense of responsibility combine to make you less of a liability for insurance companies. Plus, many veterans are above the age of 55, which comes with some perks when shopping for car insurance.

Discover a just few of the reasons that military veterans have lots of car insurance discounts to choose from.

Reason #1

A Way to Say “Thank You” and Give Credit for Your Professional Experience

Many companies offer discounts for veterans as a way to thank you for your service. Auto insurance companies with great perks for veterans and active duty service members hope that you’ll see value in their discounts and choose to become a long-time, loyal customer. When they offer discounts and other benefits for you and your family, it’s a way of building a relationship with you.
Secondly, when you’re veteran or active duty service member, you aren’t the average driver. There’s a high probability that you possess advanced skills because of your training and experience. Insurance companies know that safer drivers are worth investing in, especially if they’re armed forces veterans.
Reason #2

Desirable Age and Driving Habits

Most veterans are 55 years of age or older. As of September 2020, the largest population of vets fell in the 55-79 age range. Statistically speaking, senior drivers typically drive less frequently and often practice safe driving behaviors more than other demographics. With this in mind, auto insurance companies love to have your business and use discounts to get your attention.

Discounts for Military Veteran Drivers

Here’s a list of 10 companies that offer prime discounts for military veteran drivers and active-duty service members. Availability depends on your location, type of vehicle you drive, driving record, and armed forces record. After reviewing these valuable savings opportunities, be sure to check with an insurance agent to get more details. Most insurers offer free online quotes, and you may be able to chat online with an agent to get quick answers to your questions.

  1. Geico Auto Insurance Military Discounts


    Many active duty, military retirees, and members of the National Guard or Reserves qualify for auto discounts through Geico. In many cases, enrollees can save up to 15% on their insurance premium. Members of the Association of the United States Army, Armed Forces Benefit Association, Navy League of the United States, and Navy Federal Credit Union in most states also qualify for similar discounts. Service members who are deployed and need to store their vehicles can contact their local Geico agent for storage locations and discounts.

  2. USAA Auto Insurance Discounts

    United Services Automobile Association (USAA)

    To be eligible for USAA military discounts, you must be a veteran, active duty, Guard, or Reserve member and possess a USAA membership. This includes all service personnel in the Air Force, National Guard, Navy, Marines, Army, Coast Guard, and Army Reserve. Discounts are available to separated veterans provided they received an honorable discharge from the military. Pre-commissioned officers including officer candidates and contracted cadets, midshipmen in the U.S. Service Academy, preparatory school, or the ROTC program are also eligible for discounts. Prospective enrollees can choose from all traditional insurance coverage options: uninsured motorist coverage, collision, liability coverage, and comprehensive. USAA veteran members usually save around $725 on their annual premiums.

  3. Arbella Active Duty “Military Away” Discount

    Arbella Insurance

    Arbela offers discounts for eligible active duty military drivers residing in Massachusetts or Connecticut. If you’ll be deployed soon or are currently deployed on active duty more than 100 miles from your vehicle, Arbella may be able to provide a 10% discount on your auto insurance. Choose from six coverage types: collision, bodily injury, personal injury protection, property damage, optional bodily injury, and comprehensive. You might be able to combine your “Military Away” discount with other Arbella discounts, including hybrid and electric car discounts and advanced driver training discounts.

  4. VetFriends–MetLife Auto Insurance Discounts


    MetLife has teamed up with VetFriends to offer insurance discounts for military veterans. This program specializes in helping you pick the best policy for your needs while offering maximum discounts. Policies include auto, home, and renter’s insurance. To qualify for these discounts through MetLife Choice, you’ll need a premium membership to VetFriends. Enrolling in the MetLife Choice insurance bundle program saves veterans an average of $906 annually.

  5. AARP–The Hartford Veteran Discounts

    American Association of Retired Persons

    AARP offers auto insurance discounts for military veteran drivers through a partnership with The Hartford. Enrollees must be AARP members, 50 years of age or older, possess a valid license, and have no DUI convictions. As of July 2021, you may not qualify for this auto insurance program if you reside in Hawaii, Michigan, North Carolina, New Hampshire, or Texas. If you’re a member living in a qualifying state, you could save up to 10% on your premium. AARP also offers members the chance to take a driving skills refresher course to add even more savings on your monthly auto insurance. Take a look at AARP’s Veterans Guide to AARP Member Benefits for more information.

  6. Liberty Mutual Military Discount

    Liberty Mutual Insurance

    If you’re a veteran, in the Reserves, or on active duty in the U.S. Armed Forces, you’ll be eligible for a discount on your auto insurance through Liberty Mutual. Like many other major insurers, the amount you save will vary on your location and the coverage you choose. If you qualify for some of Liberty Mutual’s other discount opportunities, including the accident-free discount or multi-car discount, you might save 12%-30% on your annual premium. Go online for an easy custom auto insurance quote that includes discounts for military veterans.

  7. VetFriends-Nationwide Auto Insurance Discounts

    Nationwide Insurance

    Discounts for military veteran drivers are also available for VetFriends members with Nationwide Insurance. Depending on your location, you can receive up to 20% off your annual auto insurance premium. Enrollees need to be premium members of VetFriends. Nationwide customers can save even more on their car insurance by taking advantage of multi-policy bundles, taking a state-approved safety course, having a stellar driving record, and more. The amount that you’ll save varies by state, so contact Nationwide directly to find out which discounts are available in your area.

  8. Affinity Discount

    Farmers Insurance

    Military veteran drivers can receive discounts on their auto insurance through Farmers Insurance. When you’re a customer who’s an honorably discharged military vet, active duty, or active reserves, Farmers could save you up to 20% on your annual premium. Once you enroll, you’ll also be eligible for additional discounts through Farmers based on your driving record or completion of a state-approved safe driver training course. Enrollees can also take advantage of discounts that are easy to set up, including the Farmers electronic funds transfer discount or paperless discount.

  9. Direct Auto Insurance Active Service Discount

    Direct Auto Insurance

    Not retired from the military yet? Direct Auto Insurance provides one of the best car insurance discounts for active duty service members. National Guard, Air Force, Army, Navy, Marine Corps, Reserves, and Coast Guard members can save up to 25% on their auto coverage. As of July 2021, these discounts are only available to active service members in Alabama, Florida, or Louisiana. The discount applies to essential coverage including uninsured motorist, collision, bodily injury, property damage, and comprehensive. Direct Auto prides itself on offering service members customized insurance payment options to accommodate life events and challenges with military training requirements, deployment, and family life.

  10. Chubb Auto Insurance for Military Personnel in Japan


    In affiliation with the USAA, Chubb offers specially designed auto insurance policies for United States military personnel stationed in Japan. With a long history of being a veteran-friendly auto insurance provider, Chubb offers bodily injury liability coverage and property damage liability coverage—both of which are required by the armed forces. If you’re a military member stationed in Japan, Japanese law also requires you to hold compulsory automobile insurance. Chubb offers affordable optional coverage for its auto insurance customers in this specialized program, including comprehensive, collision, loss of use by theft, and medical payments. Members get free roadside assistance.

Other Ways Military Veterans Save on Car Insurance

While you can find some great discounts that are reserved for veterans and active duty military members, there are other ways to save on your auto insurance, too. Many auto insurance companies offer savings based on your driving habits, type of vehicle you drive, how many cars or drivers are on your policy, your age, and much more. You can even get discounts by downloading smartphone apps and tracking your safe driving performance. Here’s a look at some of the best and easiest ways that veterans, active duty members of the military, and others can get the most out of their auto insurance while spending less.

Good Driver, Accident- and Violation-Free Discounts

According to American Family Insurance, one of the easiest ways to get a discount on your car insurance is simply by having a good driving record. If you’re accident-free with no moving violations or claims within the last five years or so, there’s a great chance that your auto insurance company can help you out. Allstate advertises a 40% discount for safe drivers, while Geico offers savings of up to 22%. Many insurance companies offer smartphone apps to track your driving and provide discounts based on good, safe driving performance. Check out Allstate’s DriveSense app or Liberty Mutual’s RightTrack app for more information.

Multi-Vehicle Discount

If you or your family have more than one car, typically it’s cheaper to put them all on the same policy rather than separate policies. As part of the customer loyalty program, Geico offers customers with a multi-vehicle policy up to 25% in savings on their annual premiums. Similarly, State Farm offers savings up to 20% for customers who are related and living in the same household with two or more vehicles. Progressive allows you to add multiple cars to your policy if they are kept at the same address. This coverage includes cars owned by spouses, family members, and roommates and saves customers an average of 4% on their premiums.

Bundling/Multi-Policy Discounts

Insurance companies typically offer bundling options that help you save money as soon as you begin coverage. Simply put, a bundle is when you have two or more policies through the same insurer. This can include your auto insurance plus a policy for your home, rental space, boat, motorcycle, and more. Not all bundles give you the same types of discounts, and not all insurers offer the same bundle options in every state. For customers in Massachusetts and Connecticut, Arbella offers discounts up to 20% for bundling car and home insurance. USAA customers get up to 10% off their premium by bundling renters or homeowners insurance with auto insurance.

Driving Class Discounts

Many insurers give you the opportunity to complete a safe driving class—oftentimes held online–in exchange for a discount. For older drivers, AARP offers a skills refresher course that may qualify you for a discount either through AARP’s third party provider, The Hartford, or another insurer. If you’re adding a young driver to your policy, State Farm’s discounts for drivers under 25 include its Steer Clear Discount. Customers complete a training course and five hours of driving practice, then engage in a documented mentorship with an older friend or family member to save as much as 20% on their premium.

E-Pay and Pay-in-Full Discounts

If you can pay your annual premium in one payment, many insurers offer a break on your premium. Additionally, you can get discounts by setting up electronic payments or by making several on-time payments. Travelers Insurance offers a 7.5% discount for those who pay in full, 2%-3% off for those who enroll in electronic funds transfer payments, and up to 15% savings for those making consistent on-time payments online. Say Insurance offers a 10% pay-in-full discount for drivers in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee. Similarly, Progressive offers a discount for drivers who pay six months up front (except those in California).

Good Student or Non-Resident Student Discounts

If you’re back in school to finish up your degree or have a dependent child in school, you might be able to wrangle about a 10% discount. Many insurance companies offer a good student discount for drivers with solid academic performance. Secondly, parents can save on premiums when their student drivers are away at school and don’t have a car on campus. Progressive offers both good student and distant student discounts. For students who are 16-25 years old with a 3.0 or higher GPA or rank in the top 20% of their class, State Farm offers 25% in discounts.

Safety Devices Discounts

Did you know that safety features lead to savings? Geico, for example, offers savings for drivers with autos that have air bags, anti-lock brakes, anti-theft systems, or daytime running lights. Since many of these options come standard in vehicles today, you might be surprised that you could save up to 23% with Geico on the medical payments or personal injury section of your car insurance. The same goes for Liberty Mutual. Depending on where you live, Liberty offers discounts for safety features such as electronic stability control, adaptive headlights, and anti-theft technologies.

Occupational and Professional Affiliation Discounts

You may be eligible for an auto insurance discount simply because of your current occupation, affiliation with an alumni association, or membership in a professional organization. Professionals who work as architects, certified public accountants, librarians, pilots, police officers, elementary and high school teachers, and more are eligible for auto insurance discounts. For example, check out Liberty Mutual’s discount for teachers. Educational and professional organizations are another way to find insurance savings. Geico provides a list of professional organizations, fraternities, and sororities whose members may qualify for a discount. If you belong to any membership organizations, check their websites for auto insurance discounts.

New Vehicle Discounts

If you are the proud owner of a vehicle that’s less than three years old, you might be able to save on your insurance automatically. Newer vehicles are more likely to have updated safety features that reduce the number of highway crash fatalities. With this in mind, insurers want to encourage drivers to have newer, safer vehicles when possible and provide a 10%-15% savings on auto insurance for new vehicle owners. Travelers Insurance offers savings of up to 10% if you have a newer vehicle. Geico offers up to 15% savings for customers with a new vehicle.

Louisiana Resident Military Discount

If you are an active duty military member living in Louisiana, you may be eligible for a discount on your auto insurance. The Louisiana Department of Insurance requires auto insurers to offer a 25% discount to these individuals provided they meet certain criteria. To receive the discount, you must be a Louisiana resident and full-time active duty service member. If you’re stationed outside of the state, you must be single or have a family that resides in Louisiana. The discount on auto insurance applies to your spouse and any dependent children on your policy.