Best Auto Insurance for Military Families

*USAA membership is only open to current and past military personnel, as well as their families.

We gathered auto insurance quotes from residents of five states: Georgia, Ohio, Pennsylvania, Texas, and Virginia. Our representative driver is a 30-year-old man who is presently serving in the military.

Discounts And Low-Cost Rates Are Available With USAA Auto Insurance.

Because USAA only provides insurance to members of the armed services, it does not officially provide a military discount, but its prices are among the best accessible to military families.

If you intend to store your vehicle while deployed, USAA is the clear winner. If you keep your vehicle on a military post, USAA will give you a 15% discount, and if you are deployed and keep your car in a safe place, your premium will be reduced by 60%.

If you take advantage of these savings, you may spend as low as $250 per year, which is less expensive than letting your auto insurance expire.

These reductions, along with low yearly rates, indicate that deployed and active duty members will most likely pay the least for vehicle insurance with USAA. Examine the following example quotations to see for yourself:

USAA is 30% less expensive than the average insurance cost for the insurers we studied. It is crucial to note that, while USAA has the lowest average of the five states we analyzed, Geico and State Farm have the lowest rates in certain of them.

USAA Vehicle Insurance Also Ranks Well In Terms Of Client Satisfaction.

USAA received a perfect 5/5 in the most recent J.D. Power assessment of vehicle insurance carriers for the shopping experience, claims to handle, and overall satisfaction. It is routinely ranked as one of the finest insurance companies in the United States.

Customers of USAA are particularly pleased with the ease with which they may make a claim with the firm, as well as the settlement amounts provided by the organization, according to USAA insurance reviews.

USAA members also perceive the website to be quite user-friendly, and they are usually pleased with the company's policy flexibility. Furthermore, because the firm exclusively offers insurance to those with military ties, all of its services and bonuses are tailored to veterans, military members, and their families.

Geico: An Excellent Option For Retired Service Members And Those Who Are Not Deployed

If you are not deployed or have retired from the military, Geico may be the most cost-effective alternative. In the states we analyzed, Geico offers military vehicle insurance premiums that are equivalent to USAA's rates.

Overall, Geico is one of the most cost-effective insurance providers in the United States. Geico provides up to a 15% discount to people who served in the military, regardless of active status.

When you include Geico's 15% discount for persons in the Army, Navy, Air Force, Marine Corps, or Coast Guard, it may give the best overall prices.

If you are a member of any of the following organizations, you are eligible for Geico's military discounts:

•Army Association of the United States (AUSA)

•Association of Fleet Reserves (FRA)

•National Infantry Association (NIA)

The greatest difference between Geico and USAA is the discount for deployed personnel. Both companies decrease your payment when you are away from home and your car is in storage, however, Geico's reduction is far smaller: only 25% off your premium.

Furthermore, unlike USAA, the reduction is only accessible if you are assigned to an "imminent risk pay" region (as defined by the Department of Defense).

Because the imminent risk pay zones are simply a subset of the nations to which you may be deployed, if you are stationed in Japan, which is not an imminent danger area, you will be ineligible for the Geico discount.

It's worth noting that Geico's military insurance policy is particularly friendly to service members. Geico Military's employees are ex-military personnel who understand what their clients are going through. The site also has a number of useful materials for service members to read about the process of departing for and returning from deployment.

For Military Members, USAA Vs. Geico Auto Insurance

Both USAA and Geico are excellent alternatives for past or current military personnel and their families, but USAA has a tiny advantage – especially if you are on active duty. When compared to USAA, Geico likewise ranks much worse in terms of customer satisfaction.

Geico received J.D. Power ratings of 4/5 for claims processing and 3/5 for customer satisfaction.

If you or a family member is a current or past member of the military, we recommend getting quotations from both USAA and Geico. While USAA is often less expensive, in some states, Geico's discount makes it the most affordable alternative.

State Farm Offers Low Rates And Discounts

Although State Farm does not provide a military discount, it is still worth noting because it has some of the lowest prices. Despite not offering a military discount, State Farm has cheaper rates in Texas than USAA and Geico. There are also other more State Farm savings that you may be eligible for.

State Farm, for example, provides a good driver discount to drivers who go three years without any moving offenses or at-fault incidents. It also has a Steer Clear program for drivers under the age of 25. This is an online course designed to enhance your driving abilities, and completing it can result in a 20% discount on your insurance cost.

A summary of the finest vehicle insurance for military personnel and their families.

•USAA has the best prices and customer service.

•Best for veterans and those who have not been deployed: Geico

•State Farm offers competitive rates.

Questions And Answers

What Is The Best Type Of Insurance For Veterans?

USAA is the greatest insurance provider for veterans. The firm routinely offers some of the cheapest vehicle insurance premiums in the country, yet it is only offered to persons linked with the United States military. In addition, Geico provides a military discount.

Is USAA Only For Military Personnel?

There are two types of persons that are qualified for USAA insurance. The first category includes those who are presently or have previously served in the United States Armed Forces. The second category includes those who are either married to or the offspring of people who have previously received USAA insurance. So, if your father served in the Army and got USAA insurance, you may get it as well. However, if he never had USAA, you are ineligible.

How Do I Get Geico's Military Discount?

Geico can give you a discount of up to 15% if you are a current or honorably discharged member of the military. If you are being deployed to an active war zone, you may potentially be eligible for a larger discount. To sign up, call Geico at 1-800-MILITARY.