Best Companies for Veterans Auto Insurance

Searching for auto insurance can be intimidating for many people. If you’re a veteran or active military member, you may feel overwhelmed as you search for the best auto insurance policy for yourself and your family. Still, finding the best companies for veterans auto insurance doesn’t have to be stressful. You can find the right policy at the best price as long as you know what you’re looking for.

As a veteran, you may not drive your vehicle all that often. Therefore, you may be entitled to cheaper auto insurance rates if you don’t drive much. However, if you’re a veteran or military member who drives a good bit, you should consider the coverage you need on your vehicle to ensure you’re properly protected on the road.

Veterans can choose a low-level policy that simply meets their state’s minimum coverage requirements or purchase additional coverage for ample protection. If you purchase a full coverage auto insurance policy, you’ll have collision and comprehensive insurance to protect your vehicle if it’s damaged. 

Shopping for auto insurance can feel daunting because of all the different options. Still, a few companies may work better for you than others. For example, USAA is known for its rates and coverage for military members, veterans, and their families. Still, you may find that rates with Geico, State Farm, or another insurance provider are more affordable. 

As you shop for auto insurance, consider discounts from different companies. For example, several companies offer specific discounts for military members, and you may qualify for other discounts that could help you save up to 25% on your monthly or annual premiums. 

Take your time as you find and compare quotes from different insurance companies. Remember to compare coverage options and quotes from multiple companies. When you compare quotes, you’ll learn which company offers the coverage you want at the best price. 

What are the best auto insurance companies for veterans? 

Finding the best veterans auto insurance depends on your unique needs. While there are some top companies for veterans auto insurance, you may find that another company offers better coverage, more affordable rates, or other perks that matter. 

Still, some companies excel in veteran and military auto insurance. As you search for veteran auto insurance coverage, you may want to consider the following companies.

USAA Auto Insurance for Veterans

USAA is often the top consideration for companies providing auto insurance to military members and veterans. USAA has excellent customer satisfaction ratings, and the company tends to offer lower-than-average rates for auto insurance coverage.

Nearly 75% of USAA customers state they are satisfied with their coverage and the company’s customer service department, and many USAA policyholders renew policies repeatedly. If you’re a veteran or active military member, USAA may offer the coverage you want at an ideal price.

Read our USAA Auto Insurance Review to learn more about the company.

Geico Auto Insurance for Veterans

When considering Geico auto insurance for veterans, you are likely mostly focusing on the company’s low coverage rates. Still, Geico is also a popular choice because it has positive ratings for customer service and claims handling.

Geico offers a veterans discount, and the company also offers other discounts that can help policyholders save a significant amount on their monthly or annual rates. Some of the company’s most popular discounts include:

• Military discount
• Safety features discounts
• Good driver discount
• Defensive driving discount
• Good student discount
• Multi-vehicle discount
• Multi-policy discount

Geico offers plenty of additional insurance products if you’re interested in purchasing multiple coverages to get a bundling discount with the company.

Read More:

• GEICO DriveEasy Review: Best Option for Vets
• GEICO vs. Nationwide: Best Auto Insurance for Military and Veterans

State Farm Auto Insurance for Veterans

While State Farm does not have auto insurance coverage or discounts specific to military members or veterans, the company consistently offers low coverage rates and discount options.

With State Farm, customers are often satisfied with the claims handling process, and the company offers discounts that can help policyholders save money on their coverage. If you don’t drive often, you could save money with a mileage-based auto insurance policy with State Farm.

Allstate Auto Insurance for Veterans

Allstate is a well-known and respected insurance company in the U.S. If you’re considering purchasing an auto insurance policy with Allstate as a veteran, you may be able to save money on your premium.

There is an Allstate military discount for veterans. You can save up to 25% on your auto insurance coverage if you serve or have served in the armed forces. Still, Allstate’s auto insurance rates are often among the nation’s highest, so you’ll need to consider the overall cost of coverage with your military discount.

Read more: Armed Forces and Soldiers Auto Insurance Quotes

Farmers Auto Insurance for Veterans

Farmers Insurance offers discounts to veterans and military members. The Farmers military discount is available to:

• All active duty soldiers
• All active guard reserve soldiers
• All retired or honorably discharged military veterans

With the Farmers discount, you can save up to 20% on your auto insurance as a military member or veteran. Discounts are specific to different areas, so you’ll need to check with a Farmers representative to learn more about your options and how much you could save.

Read more: Allstate Auto Insurance Discounts for Veterans

Farmers often receives high marks for customer service and satisfaction, and the company does a good job with claims handling. Unfortunately, Farmers rates are typically higher than average, and some customers do not renew their policies because of costs associated with Farmers insurance products.

Progressive Auto Insurance for Veterans

If you live in California or New York, Progressive auto insurance rates may be some of the lowest in the state. Additionally, the company offers competitive coverage rates for drivers with a DUI. (For more information, read our “Best Auto Insurance for Drivers With a DUI“).

As a military veteran, you may receive a discount with Progressive for your auto insurance and other insurance products. Combining that with a bundling discount for purchasing multiple insurance products with the company could save a significant amount on your insurance. 

Progressive does not garner exceptional customer satisfaction or customer service scores. If customer service is important, you may want to pursue auto insurance with a different company. Additionally, Progressive has some of the highest rates for teen and young adult drivers.

Compare Progressive vs. USAA auto insurance here.

American Family Auto Insurance for Veterans

If you have a DUI on your driving record, low credit scores, or a teen or young adult driver on your auto insurance policy, American Family may be a great option for auto insurance.

Veterans and active military members are eligible for discounts on their auto insurance coverage with American Family, though the discount percentage varies from location to location. You can speak with an American Family representative to learn more about your options and how much you could save on auto insurance coverage.

Unfortunately, American Family is not known for its customer service skills. In fact, the company has low customer service and claims handling scores. Because of this, many American Family policyholders do not renew their policies and do not recommend the company to friends and family. (For more information, read our “American Family KnowYourDrive Review: Best Option for Vets“).

Compare American Family vs. Geico auto insurance here.

Nationwide Auto Insurance for Veterans

Everyone has heard of Nationwide auto insurance, and the company offers certain auto insurance benefits for veterans. 

Veterans and active members of the military can get up to 25% off of their auto insurance policies with specific military discounts. Additionally, Nationwide has plenty of other discounts you may qualify for to help you save even more on your premiums.

Nationwide is known for its superb customer service skills and high customer loyalty scores. Additionally, the company offers some of Nebraska’s cheapest auto insurance rates. Unfortunately, choosing minimum coverage with Nationwide may result in higher-than-average monthly or annual rates. 

Compare Nationwide vs. Geico auto insurance here.

How can I choose the best auto insurance for a veteran?

To choose the best auto insurance as a veteran, you must assess your needs and determine the types of coverage you’re looking for. 

Auto Insurance Coverage Options for Veterans

Virtually all drivers need liability auto insurance coverage. Still, if you live in certain states, you may also need some or all of the following auto insurance coverages:

• Personal injury protection (PIP)
• Medical Payments (MedPay)
• Uninsured/underinsured motorist coverage

If you finance your vehicle through a company, you will likely need to carry a full coverage policy, including collision and comprehensive auto insurance. Additionally, many drivers purchase add-on coverage to ensure they stay protected on the road. Some of the most popular add-on coverage options include:

• Emergency roadside assistance
• Rental car reimbursement
• Gap insurance
• New car replacement
• Rideshare insurance

Speak with a representative from any company you’re considering to know what auto insurance you need. 

The Importance of Customer Service

You should consider customer service when determining which insurance company you want as your auto insurance provider.

Some companies have lower-than-average scores for customer service. If you ever need to file an auto insurance claim, you’ll want to work with a company with helpful representatives and a quick and easy process for filing a claim.

You can review insurance companies online to determine the best customer service. Then, compare customer service and price to determine which company will work best.

Understanding Auto Insurance for Veterans

Veterans have access to the same auto insurance coverage as civilian drivers. Still, if you’re a veteran or active military member, you may qualify for lower rates based on discounts. 

Auto Insurance Discounts for Veterans

Veterans qualify for military discounts with any company that offers them. Additionally, veterans may qualify for other discounts. Some of the most common discounts on auto insurance for veterans include:

• Accident-free discount
• Defensive driver discount
• Alumni discount
• Anti-theft device discount
• Safety equipment discount
• Good student discount
• Homeowner discount
• Customer loyalty discount
• Multiple car discount
• Bundling discount

Veterans can save 25% or more on auto insurance by taking advantage of certain discounts.

Best Companies for Veteran Auto Insurance: The Bottom Line

Certain companies, like USAA and Geico, are known for their cheap rates for military members and veterans. Still, it’s important to find and compare veteran auto insurance quotes and policies from several insurance companies when looking for the best coverage.

Veterans may qualify for specific discounts, which can help them save 25% or more on their monthly or annual rates. Additionally, you should consider each company’s customer service scores before deciding on coverage.