Geico Military car insurance is or Geico auto insurance is an auto insurance that covers both men and women in the military. However, this insurance coverage often is interfered with due to certain factors like continuous relocation to new bases, deployment to even outside the shores of the country.
These factors definitely have brought about alteration in auto insurance coverage.
Military men and women in service enjoyed special auto insurance coverage by certain insurance companies like USAA, Armed Forces Insurance.
Their insurance services exclusively cover both retired and active military personnel. Other insurers offer some special coverage options and discounts.
Explore further to know the insurance companies with better offers and discounts for military men and women.
Find here auto insurance offers and a detailed list of the best car insurance companies for military members.
Table of Contents
Best Military Car Insurance:
- Best Overall for Military Members and Families: USAA
- Best Military Discounts: GEICO
- Best for Veterans and Retired Military: Armed Forces Insurance
Best Military Car Insurance
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USAA offers cover both serving and retired military personnel including members of their families. This coverage is indeed unique with incredible discounts, and outstanding customer service.
Due to these outstanding features mentioned here, USAA stands tall as the best military car insurance over other insurance companies.
Pros and Cons
Pros
- This offer covers a one-stop purchasing for insurance and finance needs
- Nationwide accessible
- Its discounts are unique for military personnel
Cons
- Geico military insurance offers are exclusively to serving and retired military personnel and their members
Coverage
USAA policy offers are like any other auto insurance carters which include:
- Property damage liability
- Bodily injury liability
- Uninsured motorist coverage
- Collision and comprehensive coverage
- Extended benefits coverage
- Rental car reimbursement
- Personal injury protection and medical payments
- Roadside assistance and towing coverage
USAA has a wide range of insurance offers that is not limited to vehicles but includes motorcycles, recreational vehicles (RVs), and boats. Also included is rideshare coverage for Lyft and Uber drivers, homeowners as well as renters insurance, and life insurance.
Other notable offers enjoyed by USAA members are additional health insurance benefits, pet insurance, and other unique coverage options. All of these options make USAA a one-stop shopping option for your insurance desires.
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Discounts
There are arrays of exceptional discounts of 15% offered by USAA to serving military personnel whose vehicles are stored on a military base.
People who are deployed abroad while their car is still stored receive USAA discount offers of 60% on a monthly premium while 10% discount offers cover children of USAA members.
Haven known as an all-inclusive offers and discounts hub, USAA offers discounts based on mileage. This means a military member who lives on the base or ends up deployed during part of the year can save money when they don’t accrue miles on their vehicle.
USAA has discount offers that are comparable to some notable insurance companies, including:
- New vehicle discounts
- Safe driver discounts
- Multi-car and multi-policy discounts
- Loyalty discounts
Availability
USAA coverage cut across all 50 states including Washington, D.C., though it is exclusively for military car insurance. Eligible people to enrol include:
- People that are presently recruited in the Air Force, Navy, Army, Marines Coast Guard, and National Guard
- People who are in U.S. service academies or are in advanced ROTC or on ROTC scholarship, in addition officer candidates within 24 months of commissioning
- People who have retired or honorably discharged military personnel
- Family members as well as present wives, widows, widowers, un-remarried former spouses, and children whose parents have or had USAA insurance
Customer Satisfaction
USAA car insurance offers for military members and their families are indeed exclusive which provides them with a great deal. In fact, this comes with some of the highest customer satisfaction going by the J.D. Power award in 2020 ahead of any insurance company.
Best Military Discounts Geico
Government Employees Insurance Company abbreviated as GEICO offers exciting and affordable discounts on military car insurance.
Pros and Cons Geico Military Car Insurance
Pros
- Both serving and retired military members enjoy 15% discount
- This coverage is extended with discount options
- This service is available in 50 states
Cons
- It comes with fewer options and discounts for active-duty deployment than USAA offers
- USAA discounts offers are not available for children of military members
Coverage
GEICO offers are the most extensive car insurance coverage options in the country. The types of coverage available include:
- Personal injury protection
- Uninsured motorist coverage
- Bodily injury and property damage liability coverage
- Collision and comprehensive
- Mechanical breakdown insurance
- Rideshare insurance
- Emergency roadside assistance
- Rental car reimbursement
GEICO has a collection of policies for countless vehicles and when your vehicle is used differently for whatever reason, then be prepared to enjoy rideshare coverage and antique auto coverage offered by the company.
GEICO also has other coverage types such as homeowners and renter insurance, life insurance, personal liability
insurance, and identity theft protection.
Discounts
Discount options are the most remarkable offers of GEICO’s military car insurance.
Both active duty, retired military, and National Guard members and reserves are entitled to a 15% discount offer with emergency deployment discounts offers for those deployed to areas of “imminent danger” and store their vehicle during deployment.
While other federal employees, as well as retired military with a federal job, may get a discount off their monthly premiums.
There are some additional discount options according to your driving history and habit as well as loyalty to GEICO. Get a free online quote and find the easiest way to determine how much you’ll save with GEICO.
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Availability
GEICO coverage is available in 50 states including Washington, D.C., which makes it one of the greatest choices in the U.S.
Customer Satisfaction
GEICO according to Better Business Bureau (BBB), maintained the utmost customer service ratings in the insurance industry. D.J. Power also attests to the fact by awarding them with the top spot in the 2020 insurance shopping study.
Best for Veterans and Retired Military Armed Forces Insurance
Armed Forces Insurance (AFI) is one of the insurance companies that cover military members and their families apart USAA insurance company. As a serving or retired military personnel, your insurance quote for your vehicle insurance coverage should be compared with AFI.
Pros and Cons
Pros
- This coverage includes civilians who work for military
- Good history record of competitive coverage
- Accessible in all 50 states
Cons
- Non-specified discounts
Coverage
Armed Forces Insurance allows enrolment of a military car with coverage for self, spouse, children, and other relations who live under the same roof.
AFI insurance coverage further embraces drivers who are permitted to drive your car. Other types of car insurance coverage AFI coverage offers its members are:
- Personal injury protection and medical payments
- Emergency roadside assistance
- Bodily injury and property damage liability coverage
- Collision and comprehensive
- Uninsured and under-insured motorist coverage
- Rental car reimbursement
Both USAA and AFI offers are fantastic which is why there are termed to be one-stop shopping for members. Other notable insurance added to auto insurance is homeowners and renters insurance, plus motorcycle and other recreational vehicle coverage.
On the part of AFI, it offers exceptional coverage like fire and flood insurance, valuable items policies, pet insurance, and also umbrella policies
Discounts
AFI company rates are competitive but come with assorted discounts that are in line with your driving record as well as enrollment in multiple policies. It is sad to note that, AFI does not state-certain discounts on its webpage.
Availability
The 50-states including Washington D.C. has a cover of Armed Forces Insurance car offers, homeowners, and motorcycle via its affiliates. AFI allows a certain category of people to enrol in policies for car insurance and other types of coverage such as:
- Service Academy members, including Merchant Marines or ROTC cadets
- Active or retired Department of Defense civilian employees
- Active, retired, or former commissioned officer of the NOAA or PHS
- Active duty, retired, or honorably discharged military from any branch (including National Guard and Reserves)
- Children, spouses, ex-spouses, or surviving spouses
- Former AFI members who canceled coverage and later returned
Customer Satisfaction
As small as the Armed Forces Insurance company is in its operation and coverage of auto insurance, though it is rated higher with A+ from the Better Business Bureau.
More notably, the company also holds a good rating record with Consumer Advocate, a website that rates companies based on various factors. Going by its lowest rating, it will be difficult for AFI to appear on larger rating bodies like J.D. Power studies.
Compare Best Military Car Insurance
Provider Best For
USAA Best Overall for Military Members and Families
GEICO Best Military Discount
Esurance Best for active-duty military
Armed Forces Insurance Best for veteran and retired military
FAQs
How Does Car Insurance Work for the Military?
With regards to military members or not, car insurance work the same and its offers apply to military members.
Coverage for active duty servicemen and women does come with some special rules, in most cases, many states allow servicemembers to maintain vehicle registration and insurance coverage through their home state without recourse to where they’re stationed.
Though, note that each insurance company has different requirements when a service member deploys overseas.
Lastly, other insurance companies can only provide coverage to military members, meaning that you may have more options than the average customer when looking for military car insurance.
What is a Typical Military Discount?
Car insurance discount rates may differ from one company to other. Most military car insurance providers offer a discount of 5% to 15% for active duty and retired military members.
What Car Insurance Companies Offer Military Discounts?
The fact remains that, only a few out of many car insurance companies offer military discounts. If you desire to have any company, then check the following companies to save money on your military car insurance:
- GEICO
- USAA
- Armed Forces Insurance
- Liberty Mutual.
- Farmers
Do Veterans Get Discounts on Car Insurance?
Few companies can attest to the fact of extending a military discount to veterans out of many. The USAA, AFI, GEICO, Liberty Mutual, and Farmers are car insurance providers who offer veteran discounts.
Just as with any other coverage or discount offer, you should always check with a customer service representative or local insurance agent to see if a veteran discount is available.
How Can You Get a Military Discount on Car Insurance?
Both serving military and retired military personnel and their members need a state-issued photo ID or driver’s license, a passport to receive a discount. Find the other types of military documentation.
- D214 Member 4 copy
- Discharge certificate
- Active duty military orders
- Academy appointment letter or ROTC contract
- Leaving and earning statement
- NGB22
In furtherance of standard discounts for both active military and retired veterans, certain car insurance companies may allow active duty service members to temporarily cancel their car insurance policy to save money.
In other to achieve this, proof of deployment (active-duty military orders) and documentation is required indicating that you placed your vehicle in long-term storage for the duration of your deployment.
The Bottom Line
It is often difficult getting the right car insurance, though few companies stand out from the pack when dealing with military auto insurance.
Before doing the necessary signing, it is good for you to always compare the rates, for many military members stand behind the companies that offer exclusive and unique coverage options for active duty service members and veterans.
How We Chose the Best Military Car Insurance
To arrive at the best options for military car insurance, a selection of 12-car insurance companies from independent rating agencies such as J.D Power and the Better Business Bureau were evaluated.
Other factors put into consideration include unique coverage types and discount offers that are mainly to members of the military. Other sources of our information include customer reviews from different websites.
