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: Apr 13, 2022

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Key takeaways...

  • Military discounts are for men and women who are either currently serving in the military or served and retired
  • Military personnel must show proof of service with military-issued photo ID
  • Many auto insurance companies allow military men and women to maintain their insurance at its current rate while they are deployed

Men and women who serve in the United States military are deserving of respect and honor. They put their lives on the line to protect and serve the country so that citizens are able to enjoy the freedoms available through the country.

Many companies often show respect for the military by providing discounts on services, including auto insurance businesses.

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What are military discounts?

In simple terms, military discounts on car insurance are for men and women who are either currently serving in the military or who have served and are now retired.

It does not matter if the individual is active duty and full-time military or a member of the National Guard or Reserves, all military men and women are eligible for these special discounts.

The discount amounts vary depending on the company. Many companies offer a percentage off the auto insurance rate, such as 10 to 15 percent off.

The discounts are also allowed to continue while military men and women are stationed overseas in danger zones while their families stay behind.

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How does the discount work?

In general, most auto insurance companies will include the discount when they are told that the military serviceman or woman is active duty, retired, part of the National Guard or a member of the Reserves.

Most companies will require proof of military service.

Military men and women can show proof of service by faxing in a copy of a military issued photo ID.

You can reduce your car insurance prices by even more if you qualify for these these additional discounts.

Once the company receives proof of military service, they will apply a discount to the account at a rate already specified previously. In many cases, the discount is between 10 to 15 percent off the cost of insurance.

Deployment Options

For military men and women who are suddenly deployed to imminent danger areas such as war zones or hostile countries, most companies offer a discount on insurance to provide options to manage the expense of auto insurance while abroad.

In general, stopping auto insurance coverage and then restarting the coverage is expensive.

Since many insurance companies are prepared to work with military servicemen and women, they also recognize the potential problems that might arise as a result of serving the country.

The companies often offer deployment options to help lower the expense of military service.

This helps provide one less stress for the families of servicemen and women as well as the individual who is being sent overseas.

Many auto insurance companies allow military men and women to maintain their insurance at its current rate while they are deployed.

This helps lower the expense of stopping and starting insurance while in a hostile environment and allows the family to maintain the same low rate.

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Companies That Don’t Offer Discounts

Some auto insurance companies that work directly with the various branches of the military might not provide discounts on auto insurance.

This is due to the fact that the company is instead offering a lower than average car insurance rate specifically designed for the needs of military men and women.

Instead of providing a percentage discount, the company provides a low initial rate.

The cost savings of the companies who are working specifically for military men and women will vary depending on the state and driving history.

In many cases, the cost will end up comparable to companies who provide discounts or lower than those companies.

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Tips to Save Money

For military men and women who have numerous moving costs and might need to change insurance companies due to a move, the cost of auto insurance can add up.

Fortunately, it is possible to lower that cost by following a few simple tips.

Ideally, military men and women should work with a direct writer when looking for insurance rather than an agent.

Having a lapse in car insurance coverage can have many negative consequences.

Another consideration is the coverage provided by insurance. Military men and women are offered some discounts, but that doesn’t mean they should compromise on quality.

If a wreck occurs, having insurance that covers the cost will lower the expense of fixing a car or paying medical costs. It might seem slightly more costly to pay for more coverage, but if an accident occurs it can result in lower costs.

Military discounts on auto insurance can save some money.

Whether planning to deploy to a war zone or move to a new state, the military needs flexible auto insurance options that allow them to keep up with the needs of the country.

With a little comparison shopping, it is possible to find a great rate on auto insurance that will work with the needs of military servicemen and women.

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  1. https://www.geico.com/
  2. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true&akredirect=true
  3. https://www.esurance.com/info/car/car-insurance-for-military-personnel
  4. https://www.statefarm.com/insurance/auto/discounts
  5. https://www.progressive.com/careers/working-at-progressive/military-commitment/