Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Apr 26, 2021

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To Sum It Up

  • Military car insurance laws require all military members to carry auto insurance that meets state minimum requirements
  • Car insurance while deployed is protected by the Servicemembers Insurance Relief Act
  • USAA and State Farm are the most popular auto insurance companies for military members and their families

Military car insurance laws require that all active, non-active, and veteran military personnel carry auto insurance that meets the state’s minimum insurance requirements on all of their vehicles. 

Fortunately, no matter what level of coverage you choose, insurance for service members comes with discounted rates. Military members can save 15% or more on car insurance, and some providers offer up to 60% in car insurance discounts while deployed. 

If you’re shopping for veteran auto insurance policies, it’s important to study up on your state and military auto insurance laws before you buy so you know the basics of veteran auto insurance and can be sure you’re carrying adequate coverage.

Read now to learn the typical coverage requirements for military car insurance out of state and how military car insurance laws may affect your auto insurance while deployed.

Already know what military car insurance laws require? Find affordable military auto insurance with local companies using our free insurance quote tool above. Just enter your ZIP code above to get your free quotes.

What are military auto insurance laws?

Military auto insurance laws require all military members, including veterans and non-active service members, to carry car insurance. Insurance coverage must meet the minimum requirements of the state where the vehicle is registered, but you can choose to have extra coverage. 

On average, state and military car insurance laws only require liability coverage, but you may want to add collision or comprehensive coverage to your policy to save on out-of-pocket costs in the event of theft or an accident.

Deployment and Military Auto Insurance

Do you have to pay auto insurance while deployed? No, you don’t.

Military auto insurance laws apply to service members who are deployed, move overseas, or move to another state. But the Servicemembers Insurance Relief Act protects active military members and their families from paying fees or penalties on car leases and military car insurance coverage if they are deployed after or during the coverage period.

Service members can choose to suspend their coverage or cancel their policies altogether without penalty. We recommend suspending car insurance while deployed only because it is easier to restart coverage when you get back.

Temporary and Long-Term Moves with Military Auto Insurance

Paying car insurance when you move varies depending on where you move to and how long you will be there.

For example, some state laws allow servicemembers to maintain registration and insurance in their home states during temporary moves but will require coverage updates if the move is more long-term.

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Where can I get affordable auto insurance for military members?

Military members can shop for car insurance from whichever company they want, and many auto insurance companies offer discount rates to members of the armed forces. The most popular providers for military members are State Farm and USAA, but you may find better rates shopping around.

Although it is the most popular car insurance while deployed, USAA isn’t always the cheapest military auto insurance company. Read our USAA car insurance review to learn more and compare average auto insurance rates by state on the table below.

Average Annual Auto Insurance Rates by State

StateState Farm Average Annual RatesUSAA Average Annual Rates
Alaska$2,228.12$2,454.21
Alabama$4,798.15$2,124.09
Arkansas$2,789.03$2,171.06
Arizona$4,756.25$3,084.29
California$4,202.28$2,693.87
Colorado$3,270.77$3,338.87
Connecticut$2,976.24$3,190.00
District of Columbia$4,074.05$2,580.44
Delaware$4,466.85$2,325.98
Florida$3,397.67$2,850.41
Georgia$3,384.88$3,157.46
Hawaii$1,040.28$1,189.35
Iowa$2,224.51$1,852.57
Idaho$1,867.96$1,877.61
Illinois$2,344.88$2,770.21
Indiana$2,408.94$1,630.86
Kansas$2,720.00$2,382.61
Kentucky$3,354.32$2,897.89
Louisiana$4,579.12$4,353.12
Maine$2,198.68$1,930.79
Maryland$3,960.87$2,744.14
Massachusetts$1,361.86$1,458.99
Michigan$12,565.52$3,620.00
Minnesota$2,066.99$2,861.60
Missouri$2,692.91$2,525.78
Mississippi$2,980.48$2,056.13
Montana$2,417.74$2,031.89
North Carolina$3,078.65Data Not Available
North Dakota$2,560.53$2,006.80
Nebraska$2,438.71$2,330.78
New Hampshire$2,185.46$1,906.96
New Jersey$7,527.16Data Not Available
New Mexico$2,340.66$2,296.77
Nevada$5,796.34$3,069.07
New York$4,484.58$3,761.69
Ohio$2,507.88$1,478.46
Oklahoma$2,816.80$3,174.15
Oregon$2,731.48$2,587.15
Pennsylvania$2,744.23$1,793.37
Rhode Island$2,406.51$4,323.98
South Carolina$3,071.34$3,424.77
South Dakota$2,306.23Data Not Available
Tennessee$2,639.30$2,739.28
Texas$2,879.94$2,487.89
Utah$4,645.83$2,491.10
Virginia$2,268.95$1,858.38
Vermont$4,382.84$1,903.55
Washington$2,499.78$2,262.16
West Virginia$2,126.32$1,984.62
Wisconsin$2,387.53$2,975.74
Wyoming$2,303.55$2,779.53

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Your individual military auto insurance rates will vary based on your age, gender, and the kind of car you drive. Before you buy military car insurance, comparison shop online and get quotes for military car insurance from multiple companies.

Enter your ZIP code below to get free auto insurance quotes from local companies and find affordable coverage that meets military car insurance laws and state requirements.