Military Car Insurance: Top 9 Revealed

looking for the best military car insurance

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Insurance is a legal requirement in most states for individuals who operate a motor vehicle. Automobile accidents can result in massive expenses for anyone who causes or is involved in an accident. The cost of premiums is determined by a statistical analysis of the general population. For most insurance providers, statistics indicate that young people are most often involved in accidents. However, military car insurance exists, which allows members of the military to receive more affordable premiums than what is available to the general public.

We ask a lot of our military personnel, and it is only a matter of respect that they be given special consideration when it comes to insurance, not least of all because military personnel receive superior training for operating vehicles. Also, military personnel are often low-mileage drivers who are away from their vehicle for long stretches of time. In this article we will evaluate several insurance providers to determine what military car insurance offers the best benefits.

Product FAQ

Car insurance is protection against the legal and financial ramifications of an accident. Accidents can result in many costs, including damage to property, medical bills, loss of work compensation, legal bills, and more. Although most states require liability insurance, the minimum legal requirement is often not enough to cover the full expense of an accident. If you are involved in an accident and don't have adequate coverage, your personal assets could be at risk. It is important for everyone to consider insurance in the context of an overall financial strategy to protect themselves and everything they own.

What Is Military Car Insurance?

What Is a Premium?

How Are Premiums Determined?

How Do You Pick the Right Insurance?

How Can You Achieve Low Premiums?

How We Reviewed

In order to determine the best military car insurance, we examined the products of several insurance providers on the market. We evaluated these providers on the following parameters: features, coverage options, discounts, apps/websites, ease of filing a claim, and pros and cons.

Overall Price Range

Price is a product of many statistical factors that differ by region and the specific characteristics of the motorist who seeks insurance. Keep in mind when you are comparing quotes that many insurance providers have a base package that is more expensive than their competitors'. However, when the relevant discounts are applied, you can achieve low premiums with superior insurance providers. It's also important to consider the financial security of your insurance provider. Cut rate providers offer low premiums, but if they are financially unstable they might not be able to resolve an expensive claim.

What We Reviewed

  • USAA
  • GEICO
  • Armed Forces Insurance
  • Allstate
  • State Farm
  • Arbella
  • Esurance
  • Nationwide
  • Progressive
USAA-Logo

Features

USAA was conceived to offer the best possible insurance to active and former members of the military at the best possible price. To qualify for USAA insurance, you must be a current or former member of the military. USAA is a Texas based insurance provider that has earned the highest possible financial rating. They offer a wide variety of coverages and are a good starting point for any military personnel to begin looking for insurance quotes.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • High financial security
  • Low premiums
  • Plans designed for military personnel

Cons

  • Must be a member of the military to qualify
  • Fewer local agents than some competitors
  • Less intuitive web page than some competitors
geico

Features

GEICO is also a good provider for military car insurance. The name stands for Government Employees Insurance Company, and it was originally conceived to provide services for government personnel. GEICO is known for having a tech based interface that is quick and convenient to use. Individuals who enjoy doing all their insurance planning at a computer or on a cell phone without having to talk to an insurance agent, will appreciate GEICO.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Good military discount
  • Low premiums
  • Good technological interface

Cons

  • Few local agents
  • Difficult to discuss a claim with a company representative
  • Premiums are higher than USAA
afi_logo

Features

Armed Forces Insurance is another insurance provider that is specifically designed for current and former members of the US military. Unlike USAA, Armed Forces Insurance not only has a good financial rating, but has also earned a stable financial outlook for the future.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Designed for military personnel
  • Good coverage options
  • Good rates for members of the military

Cons

  • Less financial security
  • Poor web page
  • Low customer satisfaction
logo_footer

Features

Allstate is one of the nation's largest insurance providers. They have a superior financial rating and offer significant retirement and financial planning help. Unlike some other companies on this list, they do not offer a special discount to military veterans. They have some competitive programs and could be the best insurance option in your specific region.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Offers financial planning
  • Good coverage options
  • Superior financial stability

Cons

  • No military discount
  • Low claims satisfaction
  • Drivewise app may feel intrusive
statefarm

Features

State Farm is the largest insurance provider in the nation. They use a traditional face-to-face business model and have physical locations throughout the country. It is comparatively easy to have a conversation with a State Farm agent, although their web page lags behind some competitors. They have a superior financial rating.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Good coverage options
  • Strong financial security
  • Many physical locations

Cons

  • Expensive
  • No military discount
  • Relatively poor web page
arbella-insurance-logo.1582117_std

Features

Arbella is a regional insurance company in Massachusets that offers a 10% discount to active members of the military. To qualify for this discount, military members must be stationed at least 100 miles away from their vehicle. Arbella has a financial strength rating of excellent, which is slightly below the superior rating.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Good coverage options
  • They offer a military discount
  • Good financial rating

Cons

  • Only covers motorists in Massachusets
  • Few discounts available
  • Customer service complaints
logo-esu-as-308

Features

Esurance has built a reputation as a solid insurance provider. They offer special rates for military personnel. They have earned a superior financial rating and are a good insurance provider to check when shopping for quotes.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Superior financial rating
  • Competitive premiums for military personnel
  • Above average claims call center

Cons

  • Few physical locations
  • Lacking in military specific discounts
  • Average performance in several claims areas
nationwide

Features

Nationwide is a major player in the insurance market and offer a wide range of products that include financial and retirement planning. They don't offer specific military discounts, but military personnel are generally eligible for better Nationwide premiums than non-military customers.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Superior financial rating
  • Discounts include a bundling option
  • Good claims satisfaction

Cons

  • No military discount
  • High premiums
  • SmartRide program tracks driver behavior in a way that may
    be perceived as intrusive
share-opengraph-1200

Features

A very large insurance provider with a superior financial rating, Progressive offers military car insurance at a competitive rate across the whole nation. Although they don't have many military specific discounts, military personnel are often eligible for superior premiums and insurance.

Coverage Options

Discounts

Apps/Website

Ease of Filing Claims

Pros

  • Superior financial rating
  • Good coverage options
  • Good website search tools

Cons

  • Below average call center
  • No military discount
  • Some customer complaints

The Verdict

Insurance is a critical consideration not just for motorists, but for anyone who is planning an overall financial and retirement strategy. Without sufficient protection from unforeseen accidents, an individual may put their entire asset portfolio at risk. It is critical for all individuals to make special considerations regarding their net worth and retirement plans when shopping for insurance. Price is a major factor when comparing insurance providers, but so is the financial security of the company. Inexpensive insurance from a company with a poor financial rating could put an individual's assets at risk.

It is always a good idea to compare the premiums and products of the insurance providers in your area. Premiums vary due to geographic regions and the specific factors of the motorist. When shopping for military car insurance, USAA will typically have the best insurance for the most inexpensive premium. Of all insurance providers, USAA has the best grasp of the unique needs of military members. It is always prudent to get several quotes when looking for military car insurance, but in most cases USAA will offer the best military car insurance at the most affordable price.

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