Disabled Veteran Car Insurance Discounts [2024]
Many insurance companies offer disabled veterans car insurance discounts of up to 22%. USAA and Geico have some of the lowest disabled veteran car insurance rates. It's important you know the discounts available for military veterans including low mileage, membership, and safety features.
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Jul 19, 2024
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UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Disabled veterans can save an average of 15%-20% with a military discount
- Other common disabled veteran car insurance discounts are occupational, membership, and low-mileage discounts
- USAA and Geico offer some of the biggest discounts to disabled veterans
If you were injured and disabled while on active duty, you can save money by qualifying for disabled veteran car insurance discounts. USAA car insurance for disabled veterans has the best rates, but many national insurers offer big savings to military personnel.
Asking for discounts is the easiest way to find the best cheap car insurance for vets. Most military discounts can save you up to 22%.
This guide compares rates for military personnel and explores companies offering car insurance discounts for veterans. Keep reading to learn how to qualify for a disabled driver car insurance discount.
Understanding Disabled Veteran Car Insurance Discounts
As a disabled veteran, you are eligible for the same discounts as other drivers plus extra savings unique to your career and, if applicable, a modified vehicle. Compare wheelchair-accessible car insurance rates to learn more.
The disabled veteran car insurance discounts with the most potential savings are:
- Retired military car insurance discounts: Retired veterans can save up to 15% at most companies.
- Occupational car insurance discount: Different careers earn different savings based on perceived risk, with military members saving between 10%-15%. Learn how occupation affects car insurance rates.
- Membership car insurance discounts: Being a member of an affiliated organization, including veteran’s clubs, can save you 10% or more on car insurance.
- Low-mileage car insurance discount: Drivers behind the wheel less than 10,000 miles a year can save up to 30%.
- Safety features car insurance discount: Installing additional safety devices in your vehicle for disabled veterans can save up to 8% on annual rates.
Disabled veterans can also earn discounts for safe driving habits and insuring multiple vehicles. This table breaks down different types of car insurance discounts.
Common Types of Car Insurance Discounts
Vehicle Discounts Driver/Customer Discounts Personal Discounts
Active Disabling Device Claim Free Emergency Deployment
Adaptive Cruise Control Continuous Coverage Family Legacy
Adaptive Headlights Defensive Driver Family Plan
Anti-lock Brakes Driver's Education Federal Employee
Audible Alarm Driving Device/App Further Education
Automatic Braking Early Signing Good Student
Blind Spot Warning Full Payment Homeowner
Daytime Running Lights Good Credit Life Insurance
Economy Vehicle Loyalty Married
Electronic Stability Control Multiple Policies Membership/Group
Farm/Ranch Vehicle Multiple Vehicles Military
Forward Collision Warning New Customer/New Plan New Address
Garaging/Storing Occasional Operator New Graduate
Green/Hybrid Vehicle Online Shopper Non-smoker/Non-drinker
Lane Departure Warning On-Time Payments Occupation
Newer Vehicle Paperless/Auto Billing Recent Retirees
Passive Restraint Paperless Documents Stable Residence
Utility Vehicle Roadside Assistance Student Away
Vehicle Recovery Safe Driver Student or Alumni
VIN Etching Seat Belt Use Volunteer
Read our car insurance discount guide to learn more about each.
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How to Qualify for a Disabled Veteran Car Insurance Discount
Insurance companies will require proof of military service before providing any disabled veteran discounts, including a note from a doctor proving you can drive. Depending on where you buy car insurance, your family members may also be eligible for discounts.
An insurer cannot deny coverage based on your disability. However, only retired and honorably discharged veterans are eligible for these military veterans discounts. Learn more about getting car insurance with a disability.
Read more:
How to Find the Best Disabled Veteran Car Insurance Discount
Shop around with local companies and ask about VA car insurance discounts to find the best rates for veterans. Our helpful guide explains how to get a disabled veterans auto insurance discount and compares company discounts side-by-side.
The Best Companies for Disabled Veteran Car Insurance Discounts
Most insurers offer viable savings to veterans, but USAA and Geico stand apart.
USAA offers exclusive military coverage and extends discounts and savings to immediate family members. Explore a list of USAA car insurance discounts.
Geico offers more unique military discounts with bigger savings amounts than other companies. So while a Geico deployment car insurance discount may not apply, disabled veterans can still qualify for a hefty membership discount. Learn more in our Geico car insurance review.
Average Car Insurance Rates for Disabled Veterans
Disabled veteran car insurance rates will vary based on branch and rank. Use this table to find your potential rates and savings with disabled veteran car insurance discounts.
Disabled Veteran Car Insurance Rates and Savings
Rank Full Coverage Rates Monthly Savings Average Veteran Discount
Military Officer
(Air Force O-1)$139 $21 15%
Military E-5
(Air Force)$146 $22 15%
Military E-5
(Army)$146 $22 15%
Military E-5
(Coast Guard)$146 $22 15%
Military E-5
(Marines)$146 $22 15%
Military E-5
(Navy)$146 $22 15%
Military E-1
(Air Force)$153 $23 15%
Military E-2
(Air Force)$153 $23 15%
Military E-3
(Air Force)$153 $23 15%
Military E-4
(Air Force)$153 $23 15%
Remember that your individual rates can fluctuate depending on your driving record and the coverage you carry. Always compare car insurance rates for military members from at least three local companies to get the best disabled veteran car insurance quotes.
Read our guide if you need high-risk car insurance.
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Car Insurance Coverage Options for Disabled Veterans
As a disabled veteran, the coverage you need will depend on how often you drive and where you live. Most states require liability car insurance insurance, while banks and other lending institutions often require collision and comprehensive insurance for the term of an auto loan.
Learn more about car insurance coverage limits to determine what you need.
Other Ways Disabled Veterans Can Save on Car Insurance
Qualifying for disabled veteran car insurance discounts is just one way to lower rates. Veterans with disabilities can save on car insurance by:
- Bundling multiple policies with one company
- Insuring more than one vehicle on one policy
- Avoiding accidents and speeding tickets
Disabled drivers will save the most money when comparing car insurance quotes online. Use our comparison tool below to compare rates from companies near you with disabled veteran car insurance discounts.
Case Studies: Disabled Veteran Car Insurance Discounts
Case Study 1: The Savings for Service
John, a disabled veteran, was searching for affordable car insurance rates. He compared quotes from multiple insurance companies and discovered that USAA and Geico offered some of the lowest disabled veteran car insurance rates.
By leveraging the discounts available for military veterans, including low mileage, membership, and safety features, John was able to secure a car insurance policy with significant savings. The discounts specifically designed for disabled veterans made a substantial difference in his overall premium.
Case Study 2: The Power of Discounts
Sarah, a disabled veteran, wanted to make the most of the discounts available to her. She researched different car insurance companies and inquired about their disabled veteran car insurance discounts. By asking for discounts and comparing rates, Sarah found an insurer that provided her with a 22% discount on her car insurance premium.
Case Study 3: The Comprehensive Approach
Michael, a disabled veteran, decided to take a comprehensive approach to save on his car insurance. He explored different companies and compared the discounts they offered to military personnel, including disabled veterans.
After thorough research, he found that USAA and Geico were the best options for him. By combining multiple discounts, such as the disabled veteran discount, low-mileage discount, and membership discount, Michael was able to achieve substantial savings on his car insurance rates.
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Frequently Asked Questions
What company has the best service disabled veteran car insurance discount?
USAA has better discounts, rates, and policies that cater to the unique needs of disabled veteran car insurance.
What are the best car insurance discounts for disabled veterans?
Military, low-mileage, and membership discounts are some of the biggest ways to save on car insurance for disabled veterans.
Do car insurance companies charge disabled veterans more?
You might see higher rates if your disability poses a direct risk to safe driving. However, most insurers offer discounts to veterans and military members for their service.
What car insurance coverages should disabled veterans get?
Most states require liability insurance. Adding collision and comprehensive coverage is also recommended, especially if you finance or lease your vehicle.
How much is USAA car insurance for disabled veterans?
USAA has competitive monthly car insurance rates for disabled veterans at $97 for full coverage.
Who qualifies for disabled veteran car insurance?
Any military member disabled in the line of duty or due to action taken during active duty is eligible for disabled veteran car insurance discounts.
Can I combine my disabled veteran car insurance discount with other discounts?
Drivers can stack disabled veteran auto insurance discounts with other discounts to maximize savings.
Do I need to prove my status as a disabled veteran to get a discount?
Most insurance companies require a military ID and other documentation, such as earning statements or DD-214 Discharge papers, before applying a disabled veteran discount.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.