Veterans Car Insurance

The average veterans car insurance rates are $256.14/mo with Geico and 207.45/mo with USAA before discounts. The average discount for veterans car insurance is 40%.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

As recognition of service to the community, most insurance carriers offer a 10 percent veterans car insurance discount. In appreciation of that service to the country, most people would agree that veterans deserve to have concessions made for them in the community.

Start comparison shopping today by entering your ZIP code in our FREE online tool above!

Here is an overview of what our servicemen and women can expect to find in the search for good auto insurance. And hey- thanks!

Veterans Car Insurance Simplified

Car insurance for veterans is the same as the availability of options to the general public. Although discounts are offered, former military consumers are treated like other civilian consumers. Rates are determined by factors such as:

  • Age
  • Zip Code
  • Occupation
  • Credit History
  • Driving Record
  • Make and Model of Car

For general quotes, most websites will ask for your zip code. They consider it to be a good place to start. Most companies offer several packages to meet a veteran’s needs. The most basic full coverage will have:

  • Bodily Injury Liability
  • Property Damage
  • Collision
  • Comprehensive

Depending on the state you are located in, minimum coverage will apply. Any extra coverage purchased over that minimum is up to the applicant.

An example would be someone who prefers additional comprehensive coverage for a car that is a popular choice for car thieves.

Major veterans’ car insurance carriers are recognizable. These are carriers who have made a name for themselves and established a good standing in the community, and among insurance raters like:

These organizations rate carriers on their performance in the community. They are graded on their stability, customer reviews, and resolution history.

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Choosing the Right Veterans Car Insurance for You

Customization is the best way to save on any car insurance. Detailing the policy to meet your specific needs is the cheapest way to get exactly what you want. This requires some determination on your part, however. It is good to ask yourself questions like:

  • How much coverage do I need?
  • How many cars am I insuring?
  • What type of discounts am I eligible for?
  • Will the insurance for the car of my choice fit my budget?
  • Is this a strong carrier based on its rating grade?

After researching those carriers that fit your expectations, start asking further questions about your shortlist of choices. This process will narrow them down further.

The Cost of Veterans Car Insurance versus Regular Car Insurance

There are a couple of privately owned veterans car insurance companies formed by veterans to help other vets save on veterans’ car insurance. They offer:

  • Accident forgiveness
  • Payments set up to coincide with your payday
  • Discounts for students with good grades

They claim to have competitive rates for drivers with an honorable discharge. To date, there is no government-sponsored veterans’ car insurance option.

How to Get a Discount on Veterans Car Insurance

The acceptance of higher deductibles is an instant money saver, and other discounts might be available as a discount for combining policies, having a good driving record, or good credit. There are driving school discounts as well as safety feature discounts.

Since most carriers honor military discounts, veterans can expect to get at least a 10 percent discount on their premiums.

Veterans car insurance should meet minimum state requirements. A bare-bones policy might have only bodily injury and property liability. Collision coverage and comprehensive can be decided upon the value of the car.

You can also get rental coverage in the event your car has to be serviced. This is an example of an optional coverage option. Additional comprehensive options are also available for an additional fee.

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How to Get Veterans Car Insurance

Frankly, veterans need to go about obtaining car insurance the same way that everyone else does. Compare quotes, seek out discounts, and check your rates annually. The good news is, other veterans’ benefits allot for more money in the car insurance budget. The savings may be stretched even further.

The G.I. Bill makes buying a home easier for veterans; therefore, a home owner’s and car insurance umbrella discount is possible.

Although friends and family members will be happy to refer you to their insurance carrier, their policy carrier may or may not have the best plan to suit your needs. If they warrant consideration, they could be compared to the shortlist of online choices that are sure to suit your needs.

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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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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