Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 7, 2022

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Key Takeaways

  • Navy Federal provides car insurance through its partnership with GEICO
  • Navy Federal offers lower rates than most competitors
  • Navy Federal and GEICO have been rated A++ by A.M. Best

Navy Federal has partnered with GEICO to provide affordable car insurance quotes to its members. The partnership allows Navy Federal members to obtain coverage from GEICO without surrendering their membership. Additionally, the partnership offers the primary coverages and discounts to lower rates.

Let’s take a closer look at Navy Federal car insurance.

Does Navy Federal car insurance have competitive rates?

The cost of coverage is a primary factor for many customers looking to buy car insurance. Insurance companies consider various aspects of a driver when determining rates, including:

  • Age
  • Gender
  • Location
  • Driving history
  • Credit history
  • Vehicle

The factors that impact rates are different for every driver, so it’s impossible to provide an accurate quote without knowing the specifics about the person. However, comparing the average rates of multiple companies will help you find the most affordable option.

Navy Federal provides car insurance to members through its partnership with GEICO. As a result, looking at GEICO’s rates will help you determine if it’s a cost-effective choice. The following chart shows the average annual rates for Navy Federal car insurance and its competitors.

Navy Federal Car Insurance Annual Rates vs. Other Companies
CompanyAverage Annual Auto Insurance Rates
American Family$1,451
GEICO (Navy Federal)$1,100
State Farm$1,169
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As you can see, the rates for Navy Federal members are lower than most competitors. However, comparing Navy Federal auto insurance vs. USAA shows that the latter is cheaper on average.

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What coverages are offered by Navy Federal car insurance?

In addition to insurance prices, customers should also consider the available coverages. Unfortunately, the cheapest companies often provide fewer coverages than their competitors, which leaves drivers unprotected in some situations.

However, despite its low cost, Navy Federal offers seven primary coverages through its partnership with GEICO. The following table shows the primary coverages provided by Navy Federal and a description of each.

Navy Federal Car Insurance Coverages
Auto Insurance TypesDescription of Coverage
Bodily injury liabilityPays medical bills if another driver or occupant is injured in an accident caused by you.
CollisionCovers damage to your car as the result of an accident.
ComprehensiveCovers damage to your car when someone else is driving.
Medical expensesPays medical costs caused by an accident regardless of who is at fault.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Property damage liabilityCovers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristPays for damage caused by a driver with little or no car insurance.
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In addition to the standard coverages, most car insurance companies offer additional options. For example, the following are three add-ons that Navy Federal and GEICO provide for an additional fee.

  • Emergency road service. GEICO’s emergency road service is available for $14 per year.
  • Rental reimbursement. Pays for a Navy Federal car rental when your primary vehicle is unavailable.
  • Mechanical breakdown insurance. This covers mechanical issues that are not due to maintenance or standard wear and tear.

Emergency road service and mechanical breakdown insurance help customers with car trouble. Meanwhile, Navy Federal rental car insurance is a good option if you travel frequently or when your vehicle needs a repair.

GEICO sells all auto coverages individually. As a result, each insurance option added will increase your Navy Federal car insurance quote.

Does Navy Federal car insurance offer discounts?

Auto insurance can be expensive, especially if a driver is considered high risk. Fortunately, most companies provide discounts that allow customers to lower rates. Knowing the available deals and eligibility requirements will help you find the most savings.

The following table shows the discounts offered by GEICO to Navy Federal members and each discount’s eligibility requirements.

Navy Federal Car Insurance Discounts
DiscountDiscount Eligibility
AffiliationMember of an affiliated group.
Driver’s educationTake an approved driver’s training course.
Good driverDriver maintains a clean driving record for three years.
Low mileageDrive fewer than a specified number of miles, usually 6,000.
Multi-vehicleInsure multiple vehicles with Navy Federal and GEICO.
Vehicle equipmentVehicle has safety features like airbags, anti-lock brakes, and an anti-theft system.
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In addition to these savings, GEICO provides a military discount. This discount allows Navy Federal members to lower their rates even further. When buying coverage, asking a representative about all discounts will help you find the best rates.

How is Navy Federal car insurance rated?

Credit rating agencies regularly review the financial strength of insurance companies. Customers can use these ratings to determine if they will receive a payout when filing claims.

Since Navy Federal doesn’t provide policies to members, no reviews are available. However, looking at GEICO’s ratings will help you determine if buying coverage through Navy Federal will ensure a payout.

GEICO has been rated an A++ by A.M. Best, an AA+ by S&P, and an Aa1 by Moody’s. These ratings are excellent and determine that the customers will receive a payout whenever they file a claim.

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Does Navy Federal car insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews allows customers to determine the quality of service they’ll receive.

Neither the BBB nor the NAIC has reviewed Navy Federal since they don’t provide the coverage. However, like ratings, reviews about GEICO complaints will help Navy Federal members determine the quality of service.

At the time of this review, the BBB has received 2,409 complaints about GEICO during the past three years. Additionally, 638 customers have listed reviews with an average of 1.13 out of five stars.

The NAIC lists GEICO as having 348 complaints and a complaint index ratio of 1.70. These numbers indicate that GEICO has slightly more complaints than the average company of a comparable size.

How can you file Navy Federal car insurance claims?

Navy Federal and GEICO provide multiple ways for members to file claims with the best option depending on convenience. The three options for filing claims include:

  • Online
  • Phone
  • Mobile app

The GEICO claims center page on the company’s website is usually the quickest way to file claims. This page allows customers to choose the type of claim, upload photos or documents related to the incident, and find further information on how to file.

Customers can also file claims through the GEICO mobile app. The app allows customers to complete the same tasks as the website but while on the go. The GEICO mobile app is available on all mobile devices.

Those who prefer to speak with a representative can call the company’s claims department at 1-800-841-3000. Representatives can help with claims Monday through Friday from 8 a.m. to 9 p.m. EST.

How can you make Navy Federal car insurance payments?

GEICO allows Navy Federal members to make payments by phone, mail, or online. Customers can pay their entire bill or pay in installments. The installment plans offered by GEICO include:

  • Two installments
  • Three installments
  • Four installments
  • Five installments (new policies only)
  • Six installments (renewed policies only)

The amount owed per installment depends on how many payments you’ll make. Additionally, not all installment plans are available in all states, and they might require an additional fee.

GEICO offers one-click bill pay, allowing those who prefer to pay online to do so quickly. Paying online also provides an auto-pay option, so customers don’t have to remember to pay their bills.

Customers whoprefer to pay online can call a representative. The phone number depends on the type of policy, but the number for Navy Federal members is 1-800-645-4827. Representatives are available Monday through Friday from 8 a.m. to 9 p.m. EST.

GEICO also allows customers to pay through the mail by sending a check to the company. The address depends on the state and the type of policy, but all are on the GEICO website.

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Who is eligible for Navy Federal car insurance?

While any driver can purchase GEICO auto insurance, only Navy Federal members can buy from the organization. Acquiring coverage through Navy Federal offers additional discounts to lower rates, so potential customers should know the eligibility requirements.

Navy Federal is an organization for current and former military members. The following people meet the Navy Federal car insurance requirements.

  • Active, retired, or veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard or Air National Guard
  • Members of the delayed entry program (DEP)
  • Department of Defense (DOD) reservists, officer candidates and ROTC, civilian employees, US government employees of the DOD, civilian retirees and annuitants
  • Family members of anyone listed above, including the parents, grandparents, spouses, children, siblings, grandchildren and household members of any of the above

Additionally, eligible people must be members of the Navy Federal Credit Union.

Who is Navy Federal car insurance?

Navy Federal Credit Union began in 1933 with its headquarters in Vienna, Virginia. Today, it’s the largest natural member credit union with more than ten million members.

The credit union partnered with GEICO in 2016 to provide its members with affordable auto insurance. The partnership allows members to obtain coverage without sacrificing their membership.

Navy Federal Car Insurance: The Bottom Line

Navy Federal provides affordable car insurance to its members through a partnership with GEICO. This option is available for military members who choose Navy Federal Credit Union as their financial institution.

Knowing about Navy Federal car insurance will help you decide if the choice is best for you.