Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 19, 2022

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To Sum It Up

  • Allstate offers military discounts in some states applicable to veterans, but you must call to verify if it’s available in your ZIP code
  • If the military discount is unavailable where you live, Allstate provides several additional deals you could earn
  • Louisiana laws require all car insurance companies to offer 25% military discounts to drivers and their families, but veterans do not meet the qualification guidelines

Allstate is one of the largest insurance companies in the nation and underwrites policies in all 50 states. So are there any Allstate auto insurance discounts for veterans? Although this company offers stackable savings, there is no specific veteran discount.

However, Allstate provides a military discount that veterans may earn in select states. What’s the catch? You must call and speak with a sales representative to determine if it’s available and if you qualify for the deal. Only active military are eligible for the rate reduction in some ZIP codes.

Note that many additional Allstate discounts may apply to you. Depending on how many you get, the savings may exceed the standard veteran or military discount you’d get elsewhere. 

Read to learn more about the puzzling Allstate military discount, see what other rate reductions the company offers to drivers, and discover if regional laws can help you get good deals on auto insurance for veterans.

Does Allstate offer auto insurance discounts for veterans?

If you call Allstate’s customer service phone number and connect with a representative, they’ll tell you that the company has no specific veteran discount. However, they’ll also inform you that a military discount exists in select locations. Depending on eligibility rules, veterans may qualify.

If you’re retired from service and use Allstate for coverage, it’s worth calling and asking about a military discount.  

To determine if the deal is available where you live, call the Allstate customer service phone number at 1-800-255-7828.

If you’re an existing policyholder, you’ll speak with an Allstate agent who can answer your questions. New or interested customers connect with a sales representative. Understand that only active military earn the rate reduction in some locations. In other states, the discount is unavailable. 

Allstate does not advertise how much you save by earning the military discount. This deal typically skims 5% to 15% off your entire policy and usually extends to your immediate family members.

Some sources claim a 25% military discount from Allstate exists in Louisiana since regional laws require car insurance companies to provide active military and their families a 25% discount on their policies. Unfortunately, retired service members do not meet the regional eligibility requirements.

Car insurance companies sometimes offer a discount to members of affiliated military groups, like the American Military Retirees Association. However, Allstate does not currently provide a membership or group discount to its drivers. 

The company has about 30 other discounts you could earn, some of which are stackable. Depending on how many you get, you may see a more significant rate reduction than the one you’d get from a military or veteran discount from a different insurance company.

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What auto insurance discounts does Allstate provide?

Though Allstate does not offer a typical veteran’s discount, the company has several other car insurance discounts that both veterans and civilians could get. 

Auto insurance discounts usually fall into specific categories. Some are for driver safety or status, and others are for vehicle safety or policy-specific deals. Usage-based saving programs are also available.

Drivewise is the usage-based insurance program offered through Allstate. Accessible through the Allstate mobile app, this program tracks your real-time driving behaviors and rewards you with a discount based on your data. Civilians and veterans alike with good driving records may earn a policy credit every six months for driving safely.

The table below lists Allstate’s other known car insurance discounts and each category. 

Discount nameCategory
Claim free discountDriver safety
Defensive driver discountDriver safety
Driver's education discountDriver safety
Driving device/app discountDriver safety
Good/safe driver discountDriver safety
Low mileage discountDriver safety
Continuous coverage discountDriver status
Distant student discountDriver status
Good student discountDriver status
Military discountDriver status
Occupation discountDriver status
Senior/mature driver discountDriver status
Early signing discountPolicy-specific
Farm vehicle discountPolicy-specific
Full payment discountPolicy-specific
Life insurance discountPolicy-specific
Multiple policies discountPolicy-specific
Multiple vehicles discountPolicy-specific
On-time payments discountPolicy-specific
Paperless documents discountPolicy-specific
Paperless/auto-billing discountPolicy-specific
Utility vehicle discountPolicy-specific
Anti-lock brakes discountVehicle safety
Anti-theft discountVehicle safety
Daytime running lights discountVehicle safety
Electronic stability control discountVehicle safety
Green vehicle discountVehicle safety
Newer vehicle discountVehicle safety
Passive restrain discountVehicle safety
Vehicle recovery discountVehicle safety
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On average, Allstate customers save 10% on their entire policy by earning a multi-policy deal. Availability, eligibility requirements, and saving amounts for the other deals also vary by state, like the military discounts.

Speak with an Allstate agent for more information about what rate reductions are available to you.

Does Allstate offer a veteran discount in Louisiana?

The Louisiana Department of Insurance established law — under Louisiana Statute RS 22:1482 and State Title 37, Part 13, Chapter 95, Regulation 81 — requiring all car insurance companies to offer a 25% military discount to qualifying consumers and immediate family members on the same policy.

Louisiana is currently the only state with this regional law in place, but this discount is not applicable for veterans according to the qualification guidelines.

To receive the 25% military car insurance discount in Louisiana, you must be on full-time active duty. 

You also must be a resident of the state, purchase your policy in Louisiana, and meet specific residency requirements. You either need to live in the state, or your family must reside in Louisiana if you’re stationed somewhere else. Unfortunately, it does not offer a rate reduction for retired service members. 

How do Allstate veteran discounts compare to other car insurance companies?

Allstate may not give you a military discount if you’re a veteran depending on where you live. Only a few insurance companies offer specific veteran discounts or military discounts for veteran status and active duty. 

Of the major providers, GEICO and Safeco advertise a veteran discount or allow retired persons to qualify for the military discount in most regions. Sources suggest that veterans may also be eligible for a military discount from  Progressive and Farmers, depending on your location.

USAA only serves military families and offers lower than average rates. So while an actual military discount does not exist, the rate reduction is already built into the quote. Armed Forces Insurance also exclusively sells coverage to the military community and has several perks and discounts veterans may earn, with options varying by state. 

However, Liberty Mutual and SafeAuto only award military discounts to folks on active duty. State Farm does not offer any military rate reductions.

To find the most savings on your auto insurance policy as a veteran, compare insurance rates and discounts from several companies. You may find you save more from a company like Allstate, which does not technically offer a veteran discount.

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How else can veterans save money on car insurance?

More ways exist to save on army veterans’ auto insurance than merely acquiring a military discount. 

You might consider reducing your coverage levels to meet the minimum requirements in your state, depending on your car type and how often you use it. We also recommend shopping around and comparing rates from multiple companies online.

Some places may not offer a veteran discount, but you might qualify for more rate reductions, leading to cheaper car insurance rates.

You can save on your insurance costs during deployment with certain companies if you’re on active duty. If you store your vehicle in a safe place while you are away, ask your insurance company about reducing your coverage levels and lowering rates. You might be able to obtain a comprehensive-only policy that will protect your vehicle from damage while parked, including animal damage, vandalism, floods, theft, and fire.

Some states allow you to suspend your insurance policy while deployed. Although this will save you the most money, it could be risky if your vehicle incurs damage or theft during your absence.

If you cancel your policy outright, you risk a coverage lapse, leading to increased costs in the future. 

Consider familiarizing yourself with the Service Members Civil Relief Act, which provides financial protection while on active duty. This law could extend to protecting your insurance policies while serving abroad.

Allstate Auto Insurance Discounts for Veterans: The Bottom Line

Unfortunately, veteran discounts for auto insurance are not as typical as the rate reductions awarded to active military personnel. Allstate may not offer a military discount applicable to veterans in all states. Still, it provides several other deals that may meet or exceed the savings you’d earn from a typical veteran discount when combined.

So it’s always worth checking with an Allstate insurance agent to determine the available discounts.

While many sources claim veterans can earn the 25% military discount required by law in Louisiana, retired personnel do not meet the legal guidelines.

All companies offer different discount styles with varying levels of savings and unique qualification rules. Put in some time to comparison shop and ask each company representative about every rate reduction that may apply to your policy to find out how much you can save.