Best car insurance for military families

Written by: Jennifer Brozic
• Updated •2 min read
This date may not reflect recent changes in individual terms.
A mother wearing cargo military pants plays with her young son on the floor using wooden cars.Image: A mother wearing cargo military pants plays with her young son on the floor using wooden cars.

In a Nutshell

There’s no such thing as a one-size-fits-all solution for car insurance. This is especially true for members of the military who may move from base to base or get deployed overseas with little notice. The best military auto insurance offers servicemembers essential coverage, discounts to help them save and policy-specific features that address their unique needs.
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Every person’s car insurance needs are unique.

A policy that may be a good fit for someone working a traditional 9-to-5 office job may not be a military member’s best bet. Servicemembers may face unique challenges civilians don’t, including frequent moves to different military bases and deployments with little notice.

Some insurance companies work solely with military members and their families. And others offer discounts, services and policy options that meet their unique needs. We’ve rounded up our top picks of the best military auto insurance companies.

How we picked these insurers

To come up with our top picks for military auto insurance, we reviewed the websites of nearly a dozen insurance companies and J.D. Power’s 2022 Auto Insurance Study.

We chose the insurers in this article after weighing factors we thought would be helpful to servicemembers and their families, including:

  • Discounts
  • Special services or accommodations for military members
  • Customer satisfaction
  • Coverage options
  • Types of vehicles insured

FAQs about military auto insurance

Does the military pay for servicemembers’ car insurance?

No. Military members are responsible for purchasing their auto insurance policies.

Is car insurance cheaper if you’re in the military?

Many factors affect car insurance rates, including driving history, location, age, vehicle make and model, credit-based insurance scores and more. Some insurers offer military discounts to help servicemembers save. But being in the military doesn’t automatically mean you’ll pay less for coverage than a civilian.

About the author: Jennifer Brozic is a freelance financial services writer with a bachelor’s degree in journalism from the University of Maryland and a master’s degree in communication management from Towson University. She’s committed… Read more.