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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Written by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

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Reviewed by Laura Berry
Former Insurance Agent Laura Berry

UPDATED: Sep 7, 2021

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It’s all about veterans. We want to help you make the right coverage choices.

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To Sum It Up

  • Deployed service members are still required to make their monthly car insurance payments
  • GEICO is the only auto insurance company that offers emergency deployment discounts for veterans
  • You may be able to save as much as 25% on car insurance through GEICO’s emergency deployment discount

Auto insurance can be a tricky subject to wrap your head around, particularly when you account for all of the different factors insurance providers consider when calculating your quoted rates.

For example, if you serve in America’s armed forces, you can expect to receive different rates and potentially qualify for different discounts than civilians do.

This article will outline the basics of veteran’s insurance coverage, with a special focus on how to find affordable auto insurance policies with veterans discounts.

If you’re ready to start looking for emergency deployment auto insurance discounts for veterans, then enter your ZIP code into our free search tool for a list of quotes from providers in your area.

What is an emergency deployment auto insurance discount?

In order to qualify for emergency deployment car insurance discounts, you must be deployed to what the Department of Defense defines as an “imminent danger” zone.

As of 2021, GEICO is the only insurance company that offers emergency deployment auto insurance discounts for veterans. Provided you meet the criteria, you can save as much as 25%.

One of GEICO’s requirements for this discount is that you store your vehicle(s) under a GEICO storage protection plan.

You can also save more money even if you aren’t deployed. GEICO’s additional discounts for military personnel can net you as much as 15% in further car insurance savings.

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Which insurance companies offer military discounts?

Assuming you meet the requirements, you can get a military discount on car insurance by following the same steps as any other type of discount. Several major auto insurance providers offer discounted rates to current and former military service members.

The table below goes into more detail about where you can get a military discount on auto insurance. The discount amount is listed if it’s known:

Military Discounts from the Major Auto Insurance Companies
DiscountsEmergency DeploymentMilitaryMilitary Garaging
21st Century
American Family
Country Financial
Esurance✓- 25%
Geico✓- 25%✓- 15%
Liberty Mutual✓- 4%
MetLife✓- 15%
Safe Auto✓- 25%
State Farm
The General
The Hanover
The Hartford
USAA✓- 15%
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USAA auto insurance caters specifically to military personnel, so it’s no surprise that they boast competitive auto insurance rates for veterans. Read over our USAA auto insurance review for a detailed analysis of the company’s pros and cons.

Do I have to pay auto insurance while deployed?

In a word, yes – active-duty military have to pay car insurance while deployed. However, if your monthly auto insurance payments prove to be a financial hardship, you do have other options.

Canceling your car insurance plan will save you the cost of your premium in the short term, but may prove more expensive in the long term.

Not only will you have to pay completely out-of-pocket if something happens to your car, but you may be quoted higher rates when you apply for new car insurance policies in the future.

Depending on where you live, you may be able to temporarily suspend your car insurance coverage while you’re deployed.

Here are some examples of coverage options you might be able to suspend:

  • Liability
  • Collision
  • Uninsured/Underinsured motorist

You’ll want to check in with your insurance provider and review your state’s laws to determine if suspending coverage is a realistic option for you.

Emergency Deployment Auto Insurance Discounts: The Bottom Line

Maximize your car insurance savings by combining as many different military service-member car insurance discounts as you can.

Ready to buy coverage with emergency deployment auto insurance discounts for veterans? Enter your ZIP code into our free search tool below to compare auto insurance quotes for military personnel from insurance providers near you.