Military members have access to some of the best car insurance rates available. This page breaks down exactly what each major insurer offers active duty members, veterans, and Guard/Reserve personnel.
Eligibility: Active duty, veterans, and immediate family members
Active Duty
Exclusive pricing (not a % discount - access to a separate rate table)
Veterans
Lifetime eligibility for same exclusive pricing
Guard / Reserve
Eligible during active orders and as a member
Storage / Deployment Rate
Storage discount: comprehensive-only from $7/month
Deployment Reinstatement
12% for emergency deployment or hazardous duty
USAA does not operate as a standard discount - their rates are set exclusively for military and are structurally lower. Average savings vs national insurers: 20-35%.
Eligibility: Active duty military, National Guard, Reserve, and federal employees
Active Duty
15% discount on most coverages
Veterans
No specific veteran discount (other discounts may apply)
Guard / Reserve
15% (eligible while serving in any component)
Storage / Deployment Rate
Emergency deployment discount: additional 15% if deployed to an imminent danger zone
Deployment Reinstatement
Reduced comprehensive storage available during deployment
Geico's 15% military discount is one of the largest among national insurers. Stackable with multi-car and bundling discounts. Must verify eligibility with active ID or DD-214.
Eligibility: Active duty, veterans, DoD civilians, Coast Guard, Guard, Reserve
Active Duty
Rates structured for military - equivalent to 15-25% below national average
Veterans
Full eligibility; rates do not change post-service
Guard / Reserve
Full eligibility during and after service
Storage / Deployment Rate
Storage program: full suspension of liability/collision during deployment
Deployment Reinstatement
Quick reinstatement program upon return (same day available)
AFI is often the best non-USAA option. Strong claims service and straightforward deployment policies. Multiple vehicle discounts and loyalty rewards.
Eligibility: Federal employees including military GS civilians
Active Duty
Federal employee discount: up to 8%
Veterans
DoD retiree: federal employee status may still apply
Guard / Reserve
Federal technician positions qualify for federal employee discount
Storage / Deployment Rate
See standard deployment options
Deployment Reinstatement
Stackable with military discount for eligible members
Note: The federal employee discount is separate from the active duty military discount and applies to DoD civilian employees.
Eligibility: Active duty military (varies by state)
Active Duty
Up to 10% in states where offered
Veterans
No dedicated veteran discount (may qualify for good driver and loyalty discounts)
Guard / Reserve
Up to 10% while serving
Storage / Deployment Rate
Snapshot program rewards low-mileage drivers - deployed members may benefit
Deployment Reinstatement
Storage options available
Progressive's military discount is smaller than USAA/Geico/AFI but their Snapshot usage-based program can produce significant savings for deployed members who drive very few miles.
Eligibility: Varies by state and agent
Active Duty
Varies - discount typically 5-15% depending on state
Veterans
Drive Safe and Save program available; veteran-specific discount varies
Guard / Reserve
Eligible in most states
Storage / Deployment Rate
Contact local agent for deployment/storage options
Deployment Reinstatement
No standardized program - handled locally
State Farm's military program is less standardized than competitors. Local agents have significant discretion. Worth quoting but verify discount details carefully.
Gather Documentation
Active duty: CAC card or current orders. Veterans: DD-214 (Member 4 copy). Guard/Reserve: current orders or NGB-22.
Get Multiple Quotes
Start with USAA if eligible. Always get quotes from AFI and Geico for comparison. Most insurers allow online quotes in under 10 minutes.
Mention Military Status First
When calling or chatting, immediately identify yourself as active duty, a veteran, or Guard/Reserve. Some discounts are not auto-applied without disclosure.
Ask About Stackable Discounts
Military discounts often stack with multi-car, bundling (home + auto), good driver, and paperless billing discounts. Always ask what else applies.
Verify Before Renewing
At every renewal, confirm your military discount is still applied and that you are not missing any new programs. Insurers add new military benefits periodically.
Discount rates are approximate and vary by state, vehicle, and individual profile. Always verify current discount availability directly with the insurer. Updated 27 March 2026.