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

UPDATED: Oct 8, 2021

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Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

To Sum it Up

  • Military veterans can get special discounts for their service at some insurers if they were honorably discharged.
  • Check with your insurer to see what its requirements are for qualifying for a military discount.
  • Disabled veterans can also qualify for many other discounts, such as safe driving discounts.These can combine so you can get the cheapest car insurance for U.S. veteran or active duty military coverage.

Do veterans get discounts on auto insurance? Absolutely. If you are a veteran who has been honorably discharged, you should know about auto insurance discounts for disabled veterans and other important details about getting the cheapest car insurance for disabled veterans.

Because these types of auto insurance discounts are only available to veterans, you should take full advantage of getting good deals on auto insurance for military veterans. Get different quotes and shop around. You can compare rates and determine which works best for you. Some companies offer steep discounts for veterans, and you can get great savings civilians cannot access.

Active duty service people and veterans can both enjoy the break on premiums some insurance providers offer. In fact, the average savings can be around 15 percent.

Need affordable auto insurance for disabled veterans? If you want to find auto insurance quotes for disabled veterans or find out which companies add discounts for disabled veterans’ auto insurance, enter your ZIP code to start comparing U.S. military car insurance rates from companies today.

Auto Insurance Companies That Give Military Discounts

If you served your country in the U.S. Military and were honorably discharged, there is no reason you shouldn’t expect some compensation. Most auto insurance companies offer active duty service military and veterans’ auto insurance discounts.

Insurance companies offer this as a way to express gratitude for those men and women for their time serving in the U.S. Military. Disabled U.S. veteran auto discounts will be the same as discounts for non-disabled veterans.

Take a look at the list below to see which insurers have a military discount.

Auto Insurance Companies with Military Discount
Company Military Discount
Allstate X
Esurance 25%
Geico 15%
Liberty Mutual 4%
MetLife 15%
Safe Auto 25%
Safeco X
State Farm X
The General X
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There are a few things you should know about getting lower rates for veterans’ auto insurance.

  • Most auto insurance companies offer a discount to veterans for their policy. It is just a matter of finding the company that offers you the best-discounted premiums while still providing you with the policy and affordable car insurance coverage that you want.
  • U.S. insurance companies in America understand that most veterans retain their disciplined standards, which carry over into their driving behavior and habits. For that reason, veterans are at low risk when it comes to driving insurance. If you have a clean driving record, you can expect to see some great rates for cheap car insurance as retired service or active duty military.
  • According to the National Highway Traffic Safety Administration (NHTSA), every 50 minutes an alcohol-impaired traffic fatality happens in the U.S. Because of this risk, drunk driving infractions may prevent you from getting an exclusive discount to veterans’ auto insurance. This puts a driver into the high-risk driver classification.
  • Other things that can make you “high risk” include: multiple driving infractions, accidents, or convictions relating to your driving. You will have to pay higher rates. However, you will probably still be able to find lower rates as a high-risk driver with veterans’ auto insurance than with standard rates for non-veterans.
  • You can, in most cases, also include members of your family on this type of auto insurance policy. Your service in the military means savings for the entire family.
  • You will need your military information when you request your veteran auto insurance discount. You can, however, begin to get an idea of the rates available for veterans by simply providing your ZIP code and getting rates from multiple companies that offer this discount.

Keep reading to learn how much you can save on veteran discounts.

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What auto insurance companies give just veterans discounts?

You should know some companies specialize in just discounted insurance for U.S. veterans. Even those insurance providers that do not insure just the military usually offer some type of active duty and veteran discount for auto insurance policies. What if you’re no longer in active service? Below is a list of insurers who offer exclusive discounts specifically for retired service U.S. military veterans.

Companies with Auto Insurance Veteran Discount
Company with Retired Military DiscountAverage Percentage Saved
Geico 15%
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This list may seem short, but many other insurers offer military discounts. For example, there is a AAA auto insurance military discount and an Esurance veteran discount. You just need to check a company’s information and see if its military discount applies to the retired military as well as active-duty U.S. military.

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What discounts for auto insurance are available?

U.S. military veterans can qualify for many other discounts beyond just military and veteran discounts. Take a look at the list below to see what categories of discounts may be offered for drivers at your insurer.

Auto Insurance Discounts
Auto Insurance Discount CategoriesVehicle Discounts Safe Driver Discounts Young Driver Discounts Policyholder Discounts Personal Statistics Discounts
Includes: Adaptive Headlights
Adaptive Cruise Control
Anti-lock Brakes
Daytime Running Lights
Electronic Stability Control
Forward Collision Warning
Green Vehicle
Lane Departure Warning
Newer Vehicle
Passive Restraint
VIN Etching
Vehicle Recovery
Claim Free
Defensive Driver
Driving Device/App
Low Mileage
Occasional Operator
Safe Driver
Seat Belt Use
Roadside Assistance
Farm Vehicle
Garaging/Storing Your Vehicle
Utility Vehicles
Driver's Ed
Distant Student
Further Education
Good Student
Young Driver
New Graduate
Full Payment
Early Signing
Continuous Coverage
Family Legacy
Family Plan
Fast 5
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Switching Provider
Good Credit
Non Smoker/Drinker
Recent Retirees
Federal Employee
Engaged Couple
Senior Driver
Stable Residence
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Any disabled U.S. military veteran can save with these discounts. Ask your insurer for a list of discounts and what you need to do to qualify on your purchases.

Will modified cars for disabled veterans affect your auto insurance?

If you have car modifications to drive, you should let your insurer know. While this may raise your rates slightly, it is important that you have coverage on your modified car parts. Otherwise, if you crash, your insurer may not cover the full value of your car. Some of the most common modifications made to vehicles are:

  • Seat modifications
  • Wheelchair lifts
  • Wheelchair ramps
  • Accelerators for left foot
  • Pedal extenders
  • Hand controls

It is easier to make these modifications to larger vehicles, such as SUVs. While these vehicles can have higher insurance premiums, choosing a safe vehicle with good crash ratings can earn you safety discounts, which can help make the increased rates more manageable.

If you are having trouble paying for modifications to your car, you should reach out to the U.S. Department of Veteran Affairs. If you are eligible, they will help pay for your modified car parts so you can drive.

Frequently Asked Questions: Discount Veterans Auto Insurance

Before we leave you, we want to cover a few more questions you may have about discount auto insurance for military veterans.

#1 – Does USAA give discounts to disabled veterans?

USAA doesn’t offer an auto insurance discount for disabled veterans, but USAA Bank does offer a discount for people who sign up for the Disabled American Veterans USAA Rewards™ Visa Signature® Card. Before you sign up with USAA, make sure to read a USAA auto insurance review.

#2 – Does Progressive offer veteran discounts?

Progressive does not offer veterans auto insurance discounts or active military auto insurance discounts.

#3 – Does GEICO give a discount for veterans?

Yes. You can save up to 15 percent on Geico’s military exclusive discounts for armed forces insurance and soldiers’ auto insurance. It applies to active duty military, military reserves, and veterans.

#4 – Who has the cheapest auto insurance for the military?

Most drivers want to know what is the best cheap car insurance for disabled veterans. Finding cheap auto insurance for veterans depends on where you live and your driving record. Whether you live in Hawaii, Massachusetts, and Michigan, each state will have very different quotes. And don’t count out discounts, including bundling with your renters or homeowners policy. However, USAA auto insurance rates generally tend to be the cheapest in most states.

Ready to buy cheap car insurance for disabled U.S. veterans? If you want to start shopping for disabled military veteran auto insurance rates today, simply enter your ZIP code to find low auto insurance rates for disabled veterans. Which auto insurance company for disabled veterans is for you? Find out now.


  1. https://www.nhtsa.gov/research