Car Insurance for Military members

Numbers refreshed November 4, 2026

Official and insurer sources lay out the rules, discounts and programs available to military members.

What to know about car insurance for military members

Active duty and retired servicemembers, plus National Guard or Reserves members, can get 15 percent off (up to, total premium) from GEICO. (Service member discounts (geico.com))
Deploying into imminent danger pay areas qualifies for GEICO's Emergency Deployment Discount. (Discount page (geico.com))
Keep your car on base and USAA takes 15 percent off (up to). (Military auto policy (usaa.com))
If you deploy, or store the insured car, USAA gives 60 percent off (up to). (Coverage for service members (usaa.com))
In certain circumstances, the SCRA lets servicemembers end a motor vehicle lease early with no penalty. (U.S. Department of Justice: Know Your Rights: Servicemembers Civil Relief Act)
The SCRA caps interest at 6 percent per year (max) on pre-service debts, including vehicle loans. (U.S. Department of Justice: Know Your Rights: Servicemembers Civil Relief Act)

The calculator prices your car in your state using your age and record, and it needs no name or phone number. (Your estimate)

First written November 4, 2026