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

  • GEICO offers discounts on car insurance for veterans and active military but not a specific veterans discount
  • The GEICO military discount can save you up to 15%, and the membership discount can save you up to 25%
  • GEICO provides various other discounts veterans can use to lower rates, such as multi-car and safe driver discounts

Many businesses offer discounts on services to military members, such as cell phone, hotel, and car insurance discounts. GEICO began almost 100 years ago by providing insurance to government employees and still offers many government discounts.

While GEICO doesn’t offer a specific veterans discount, it does offer military discounts to active military and veterans, including membership and emergency deployment discounts.

In addition, GEICO already offers some of the cheapest car insurance rates. Combine low rates with additional discounts to get cheap car insurance for veterans.

Find the best car insurance for veterans by shopping around. Compare rates and discounts from multiple companies to find the best coverage with the lowest rates for veterans.

Keep reading to learn more about GEICO veterans discounts and how to get affordable GEICO car insurance for veterans and their families.

Does GEICO offer a veterans discount?

Regarding what you need to know about auto insurance for military veterans, rates and discounts play a significant role in finding the best coverage. Though GEICO doesn’t offer one specific veterans discount, veterans can take advantage of its military discount.

GEICO is committed to offering affordable car insurance for military veterans and active-duty members. In fact, GEICO has a specific phone number for military members to ask questions. The GEICO military phone number is 1-800-645-4827.

GEICO offers a military discount of up to 15%, depending on your state. Whether you are retired, active duty, a National Guard member, or part of the Reserves, you can qualify for this discount.

GEICO also provides discounts to numerous affiliations and group memberships. As a result, you can score a 25% discount for simply belonging to an organization. Those organizations include:

  • Association of the United States Army
  • Armed Forces Benefits Association
  • Navy League of the United States
  • Navy Federal Credit Union
  • National Infantry Association
  • Fleet Reserve Association
  • American Society of Military Comptrollers

Finally, GEICO offers a discount if you are on active duty and get deployed. Military members qualify for the emergency deployment discount if they are deployed to an imminent danger pay zone. GEICO also allows you to pause coverage during deployment.

So, even though GEICO doesn’t offer specific car insurance for vets, it does provide various ways military members can save on car insurance.

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How much is GEICO car insurance?

GEICO considers several factors when calculating car insurance rates, including age, driving history, vehicle, credit score, and where you live. Another significant factor is what car insurance coverages you choose.

Most states require drivers to carry a limited amount of liability coverage. However, liability coverage pays for property damage and bodily injuries to others and doesn’t cover you or your vehicle.

Full coverage combines liability, collision, and comprehensive coverages to protect your vehicle from accidents and other damages.

This table compares average car insurance rates from top companies — including GEICO — based on coverage type.

Average Annual Auto Insurance Rates Based on Coverage Type
CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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While USAA’s car insurance rates are cheaper than GEICO, discounts and other programs may make GEICO the better option for discount car insurance for veterans.

Remember, car insurance rates vary by driver and company. For example, if you have accidents or tickets on your driving record, your rates will be higher. So, shop around to find inexpensive vehicle insurance for veterans.

What are the other GEICO discounts available?

In addition to military discounts, GEICO offers various other discounts to lower rates. Other discounts that veterans could take advantage of include multi-policy, multi-car, safe driver, and continuous coverage. You may also get discounts based on your car’s safety features.

This table lists GEICO auto insurance discounts. If the savings amount is known, it is listed.

GEICO Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)
Anti-lock Brakes5
Anti-Theft25
Claim Free26
Continuous Coveragex
Daytime Running Lights1
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment25
Family Legacyx
Farm Vehiclex
Federal Employee8
Full Paymentx
Further Educationx
Good Student15
Homeownerx
Low Mileagex
Loyaltyx
Membership/Groupx
Military15
Multiple Policies10
Multiple Vehicles25
Newer Vehiclex
Occupationx
Passive Restraint40
Safe Driver15
Seat Belt Use15
Students & Alumnix
Utility Vehiclex
Vehicle Recovery15
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Most drivers are eligible for more than one discount, so bundle them for the most savings.

GEICO also offers a telematics program called DriveEasy. DriveEasy uses an app to monitor driving behaviors, including mileage and distracted driving. While GEICO rates can increase for poor driving, veterans with good safe driving skills may earn an additional discount.

Does GEICO Offer A Veterans Discount: The Bottom Line

GEICO doesn’t offer a veterans discount, but it does offer military, membership, and emergency deployment discounts. For example, veterans can save 15% with a military discount and 25% if they are members of certain military organizations.

GEICO also offers lower than average car insurance rates. Consequently, veterans can find affordable car insurance by combining low rates with GEICO’s many discounts.

However, most car insurance companies offer military discounts. Compare quotes from multiple companies to find the cheapest car insurance for veterans.