Carrier pages checked 21 October 2026 | GEICO, USAA, AFI
Military Car Insurance Per Month: USAA, GEICO Military, AFI Compared
GEICO military discount
Up to 15% off the total premium
For active duty, retired, National Guard and Reserve members, per GEICO's military discounts page (checked 21 October 2026). It is a ceiling: GEICO says the amount varies in some states and the discount is not offered in every state. USAA's comparable published figure is up to 15% for a car garaged on base.
No insurer publishes a monthly military price. What the carriers do publish is who qualifies and how big the discounts can be, and that is what this page compares. For what a policy costs in the state you are stationed in, start from the NAIC state averages.
The three military auto insurance options, side by side
GEICO Military
- Who qualifies:
- Active duty, retired, National Guard and Reserve for the military discount. GEICO's military insurance page also lists veterans as eligible for its military car insurance.
- What it publishes:
- Military discount of up to 15 percent on the total insurance premium. A separate Emergency Deployment Discount for members deployed to imminent danger pay areas, with the vehicle stored under a GEICO storage protection plan. No percentage is published for the deployment discount.
- Fine print:
- Call 800-MILITARY (645-4827). GEICO notes that discounts are not available in all states and the amount varies in some states.
- Source:
- geico.com/save/discounts/military-discounts/, checked 21 October 2026
USAA
- Who qualifies:
- Active duty, National Guard and Reservists, veterans who have honorably served (discharge type Honorable or General Under Honorable Conditions), contracted ROTC cadets and midshipmen, officer and warrant officer candidates, service academy appointees, and spouses and children of USAA members.
- What it publishes:
- Military on-base discount of up to 15 percent when the car is garaged on base. A storage discount when the car is in storage (no percentage published). SafePilot telematics: up to 15 percent off at enrollment and up to 30 percent off at renewal for safe driving in select locations.
- Fine print:
- SafePilot is not available in California, US territories or internationally, and the 15 percent enrollment discount is not offered in AZ, DC, HI, ND, NH, NY, SD, VT, WV or WY.
- Source:
- usaa.com/insurance/vehicles/auto/, checked 21 October 2026
Armed Forces Insurance (AFI)
- Who qualifies:
- Military-affiliated households. AFI was founded in 1887 by military leaders to protect the property of service members.
- What it publishes:
- AFI does not publish an auto rate or discount. Its own site says AFI agents work with select partner companies to find an auto policy, so the policy you buy is underwritten by a partner carrier.
- Fine print:
- Request a quote through afi.org and ask which partner company would write the policy.
- Source:
- afi.org/, checked 21 October 2026
Other national carriers advertise military discounts too, but publish no figure for them. Ask for the military rate when you quote, and compare the same limits and deductibles across at least three quotes.
Working out your own number
Take the average premium for your duty-station state from the state averages table, or run the calculator for your age and vehicle. A discount of up to 15% takes at most 15 cents off every premium dollar, and your actual discount is set at quote time.
Deployment and stored vehicles
GEICO's Emergency Deployment Discount applies when you have orders to a Department of Defense designated imminent danger pay area and the vehicle is stored under one of GEICO's approved storage protection plans; GEICO notes some geographic limits and excluded operations. USAA offers a storage discount when the car goes into storage. Neither publishes the size of the reduction, so ask for the stored-vehicle premium in writing before you leave.
Before deploying: confirm the storage arrangement is on the policy for your deployment dates, store the vehicle somewhere covered, and keep registration and inspection current so the car is legal to drive the day you return.
PCS moves
Car insurance is rated on where the vehicle is kept, so a Permanent Change of Station means telling your insurer the new address and expecting the premium to be re-rated for the new location. The swing can be large: compare your old and new states on the state averages table before you move. For postings abroad, USAA directs members to its overseas insurance and GEICO runs an overseas insurance service for military members. Keep the policy in force through the move rather than cancelling and restarting it.
How we checked this
Every discount figure and eligibility rule above was read on the carrier's own pages on 21 October 2026: GEICO military discounts, GEICO military insurance, USAA auto insurance, USAA bylaws and afi.org. We do not print a monthly price for any carrier because none publishes one; the state averages we link to are the NAIC's. Carriers change discounts, so confirm the current terms when you quote.