How to Get a Disabled Veteran Auto Insurance Discount (2024)
There are a few auto insurance companies that grant a disabled veteran auto insurance discount. The Geico military discount can save you up to 15% on your auto insurance. On the other hand, the Liberty Mutual military discount can lower your auto insurance premiums by 4%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 15, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. 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 anyone 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.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. 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.
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Buying auto insurance is a challenge for anyone. Since it’s a legal requirement to have some form of car insurance in the United States, getting the best deal can take time and research.
However, disabled veterans can take advantage of massive savings through military discounts offered by insurance companies. Nonetheless, every insurance company has its own policies about military discounts.
Some car insurance companies offer better military discounts than others. Most car insurance companies provide auto insurance discounts for disabled veterans, not just active military members.
This guide will explain how you can receive the best disabled veteran auto insurance discounts on the market.
How to Get Auto Insurance Discounts for Disabled Veterans
Active military members receive discounts almost anywhere they do business, car insurance companies included. However, the question remains: do car insurance companies offer similar discounts for disabled veterans?
The answer is yes. Typically, military discounts will always apply to disabled veterans. It’s important to point out that disabled veterans only qualify for the military discount without a veteran discount on top of that.
Here are the auto insurance companies offering military discounts:
Military Auto Insurance Discounts Offered by Provider
Companies Military Discount
Esurance 25%
Safe Auto 25%
Geico 15%
MetLife 15%
Liberty Mutual 4%
Allstate X
Farmers X
Safeco X
State Farm X
The General X
USAA X
Not all auto insurance companies have the same policies. For example, here are the car insurance companies offering exclusive discounts to veterans:
Veteran Auto Insurance Discounts
Insurance Company Savings Amount
Progressive 25%
Safeco 25%
State Farm 25%
Geico 15%
If you want auto insurance discounts as a disabled veteran, you should field quotes from any of the companies on this list and choose the most affordable option.
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What information do I need to get a disabled veteran discount?
To receive a disabled veteran discount, you’ll need to prove you’re a veteran. Your insurance company should tell you how to verify your identity, but generally, you must provide a discharge certification of specific identification.
You also must provide a medical letter from your physician proving you can drive. With this letter, any disabled veteran car insurance company can’t legally charge you higher rates because of your disability.
What does a disabled veteran mean to auto insurance companies?
If you have any medical disability, insurance companies classify you as a disabled veteran driver. While insurance companies can’t discriminate against disabled drivers, they can acknowledge the risk you carry if your disability impairs your driving ability.
Check out the cheapest car insurance companies for high-risk drivers.
For example, a disabled veteran with a vision impairment is a safety risk for any insurance company and gets charged slightly higher rates. In addition, if you have a poor driving record or DUIs, you’ll also see higher rates since auto insurance companies check driving records.
Which companies offer a disabled veteran auto insurance discount?
Many auto insurance companies provide a discount to active military, veterans, and disabled veterans. Sometimes, these discounts can extend to family members and relatives on the same policy.
However, there are some exceptions. Based on our extensive research, USAA and Geico are the only two companies offering disabled veteran auto insurance discounts throughout the United States.
For more precise information, contact your insurance company to find out their policies for extending disabled veteran auto insurance discounts. You can also find out more by reading our Geico auto insurance review.
Does Progressive offer a military discount on car insurance?
There is a lot of conflicting information online about Progressive’s military discount. Some claim the company offers military discounts, while others say it doesn’t. The truth is that Progressive offers a 25% military discount on car insurance.
However, this discount is only for active duty service members in Louisiana. If you’re a disabled veteran, you’re better off looking elsewhere for cheaper car insurance rates for disabled veterans. Read through our Progressive auto insurance review to find out more.
Does State Farm offer a military discount on auto insurance coverage?
State Farm is one of the most well-known auto insurance companies in the United States. In fact, State Farm is the largest auto insurance provider in the country, with over 87 million policies.
If you want to buy an auto insurance policy with State Farm as a disabled veteran, you’re out of luck. Like Progressive, State Farm offers only a 25% military discount to active duty service members in Louisiana. Find out more in our State Farm auto insurance review.
Does USAA offer a military car insurance discount?
USAA already offers auto insurance for military personnel, veterans, and their families. So, they don’t offer their customers an extra military car insurance discount.
Nonetheless, the company offers discounts for stored and garaged vehicles for deployed officers. With that said, let’s look at the average USAA auto insurance rates by state:
USAA Average Auto Insurance Rates by State
State Average Annual Rate Amount Higher/Lower
than State AveragePercent Higher/Lower
than State Average
Alaska $2,454.21 -$967.31 -28.27%
Alabama $2,124.09 -$1,442.87 -40.45%
Arkansas $2,171.06 -$1,953.92 -47.37%
Arizona $3,084.29 -$686.68 -18.21%
California $2,693.87 -$995.06 -26.97%
Colorado $3,338.87 -$537.52 -13.87%
Connecticut $3,190.00 -$1,428.92 -30.94%
District of Columbia $2,580.44 -$1,858.80 -41.87%
Delaware $2,325.98 -$3,660.34 -61.15%
Florida $2,850.41 -$1,830.05 -39.10%
Georgia $3,157.46 -$1,809.37 -36.43%
Hawaii $1,189.35 -$1,366.29 -53.46%
Iowa $1,852.57 -$1,128.71 -37.86%
Idaho $1,877.61 -$1,101.48 -36.97%
Illinois $2,770.21 -$535.28 -16.19%
Indiana $1,630.86 -$1,784.11 -52.24%
Kansas $2,382.61 -$897.02 -27.35%
Kentucky $2,897.89 -$2,297.51 -44.22%
Louisiana $4,353.12 -$1,358.23 -23.78%
Maine $1,930.79 -$1,022.49 -34.62%
Maryland $2,744.14 -$1,838.56 -40.12%
Massachusetts $1,458.99 -$1,219.86 -45.54%
Michigan $3,620.00 -$6,878.64 -65.52%
Minnesota $2,861.60 -$1,541.65 -35.01%
Missouri $2,525.78 -$803.15 -24.13%
Mississippi $2,056.13 -$1,608.44 -43.89%
Montana $2,031.89 -$1,188.96 -36.91%
North Carolina NA in State
North Dakota $2,006.80 -$2,159.04 -51.83%
Nebraska $2,330.78 -$952.90 -29.02%
New Hampshire $1,906.96 -$1,244.81 -39.50%
New Jersey NA in State
New Mexico $2,296.77 -$1,166.87 -33.69%
Nevada $3,069.07 -$1,792.64 -36.87%
New York $3,761.69 -$528.20 -12.31%
Ohio $1,478.46 -$1,231.25 -45.44%
Oklahoma $3,174.15 -$968.17 -23.37%
Oregon $2,587.15 -$880.62 -25.39%
Pennsylvania $1,793.37 -$2,241.13 -55.55%
Rhode Island $4,323.98 -$679.38 -13.58%
South Carolina $3,424.77 -$356.37 -9.42%
South Dakota NA in State
Tennessee $2,739.28 -$921.61 -25.17%
Texas $2,487.89 -$1,555.39 -38.47%
Utah $2,491.10 -$1,120.79 -31.03%
Virginia $1,858.38 -$499.49 -21.18%
Vermont $1,903.55 -$1,330.58 -41.14%
Washington $2,262.16 -$797.16 -26.06%
West Virginia $1,984.62 -$610.74 -23.53%
Wisconsin $2,975.74 -$630.33 -17.48%
Wyoming $2,779.53 -$420.55 -13.14%
If any single auto insurance company caters specifically to military members, veterans, and their families, USAA is the top choice. You can find out more by reading our USAA auto insurance review.
Does the military provide auto insurance to active members?
Interestingly, none of the U.S. military branches automatically provide active service members with auto insurance. As such, service members must look for and carry auto insurance.
The good news is that many insurance companies offer discounts to active service members. The only challenge is conducting market research into the best auto insurance companies, their rates, and specific military discount policies.
It’s also worth pointing out that your rates can be affected by your driving record and where you live.
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Important Tips for Buying Auto Insurance as a Disabled Veteran
Buying auto insurance as a disabled veteran doesn’t have to be a hassle.
Here are some important tips to follow when you’re out shopping for the best rates:
- Field multiple quotes from qualifying auto insurance companies and shortlist your options based on the cheapest rates you receive.
- Talk to insurance agents to see if you’re eligible for specific military discounts based on your driving record, location, and other factors.
- Have the proper identification documents ready for review when shopping for auto insurance as a disabled veteran.
Following these tips can ensure you get the best auto insurance as a disabled veteran at a price you can afford.
Should I shop online or with an independent broker?
If you’re buying auto insurance, shopping online is usually better. This way, you can field quotes from multiple auto insurance companies and determine which offers the cheapest rates.
On the other hand, independent brokers are the most expensive option. Independent brokers are third-party professionals that bring customers to insurance companies.
Since the insurance company must pay the broker a fee for onboarding you, you’ll usually receive a higher rate. If you want to bypass this option and save more money, do the research yourself.
Should veterans go through USAA for insurance?
USAA is one of the best auto insurance options for military members and veterans.
However, that doesn’t mean that USAA is ideal for every veteran. Here are some of the pros and cons of choosing USAA:
- USAA offers the lowest auto insurance rates on the market.
- The company has extremely high customer satisfaction rates and superb financial ratings.
- Having a DUI drastically increases your rates.
- USAA offers auto insurance to customers in every U.S. state.
- USAA doesn’t offer a specific discount for active duty service members and veterans.
Overall, USAA is a great first choice if you’re shopping for the best auto insurance rates.
Are there discounts on auto insurance for the National Guard?
Members of the National Guard are eligible for any military discount offered by an auto insurance company. Military discounts apply to any active duty member of all U.S. military branches, from the National Guard to the Navy SEALs.
If you’re an active-duty member of the U.S. military, the laws about military auto insurance vary based on where you’re stationed and your coverage. For this reason, it’s important to speak to an insurance agent for more information regarding your policy and discount.
The Bottom Line: Take Advantage of Discounts for Disabled Veterans
Ultimately, many insurance companies offer discounts for active duty service members. Often, these discounts apply to disabled veterans, but you must prove you can drive.
If you have a medical letter proving your driving ability, you’ll typically find the best disabled veteran auto insurance discounts at Geico or USAA.
Frequently Asked Questions
Do veterans get cheaper car insurance?
Veterans and military members almost always pay cheaper rates for auto insurance. Due to their heroic service, insurance companies provide many military discount opportunities.
What auto insurance has a military discount?
GEICO and USAA provide military discounts in all 50 U.S. states. Both auto insurance providers were founded specifically to serve government and military personnel.
Does GEICO offer a military discount for veterans?
GEICO offers a military discount for veterans. In fact, veterans could receive the military and/or emergency deployment discount from GEICO.
Are there discounts on auto insurance for the National Guard?
Yes, members of the National Guard are generally eligible for military discounts offered by auto insurance companies. Military discounts typically apply to all active duty members of the U.S. military, including the National Guard. It’s recommended to speak to an insurance agent to learn more about the specific discounts and coverage available to National Guard members.
What are some important tips for buying auto insurance as a disabled veteran?
Here are some essential tips to consider when buying auto insurance as a disabled veteran:
- Obtain quotes from multiple auto insurance companies to compare rates.
- Speak to insurance agents to determine eligibility for specific military discounts based on your driving record, location, and other factors.
- Have the necessary identification documents ready for review when shopping for auto insurance as a disabled veteran.
Does the military provide auto insurance to active members?
No, the U.S. military branches do not automatically provide auto insurance to active service members. Service members are responsible for obtaining their own auto insurance coverage. However, many insurance companies offer discounts and special policies for active service members, which can help reduce costs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone 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.