Car Insurance Discounts for Military Personnel in Texas


Military personnel, both active and retired, have always dedicated themselves to the service of our country. To honor this service, many car insurance companies in Texas offer special discounts and benefits exclusively for members of the military. This guide will explore the types of discounts available, eligibility requirements, and tips on how to secure these benefits, ensuring that those who serve or have served can maximize their savings on car insurance.

Car Insurance Discounts for Military Personnel in Texas

Types of Military Discounts on Car Insurance

  1. Active Duty Discounts: Most insurers provide a discount for active-duty military personnel. This can range from 5% to 15%, depending on the insurance company. These discounts are a token of appreciation for the ongoing commitment shown by military members.
  2. Deployment Discounts: If you are deployed and your vehicle will be stored securely during this period, you can qualify for a deployment discount. Some insurers offer significant reductions, as the risk of your vehicle being involved in an accident decreases dramatically when it’s not in use.
  3. Veteran Discounts: Veterans are also eligible for discounts on their car insurance. While these might not be as substantial as those for active-duty personnel, they still provide meaningful savings.
  4. Membership Discounts: Being a member of military associations or groups such as the Association of the United States Army (AUSA), Navy Federal Credit Union, or USAA could also net additional discounts or benefits.
  5. Family Discounts: Some insurers extend military discounts to immediate family members of the military personnel. This can be particularly beneficial if the policy covers multiple drivers.

How to Qualify for Military Discounts

To qualify for a military discount on car insurance in Texas, you will need to provide proof of your military service. This proof can be in the form of:

  • Active military ID
  • Deployment papers
  • DD Form 214 (for veterans)
  • Letter from a commanding officer

Always check with your insurer regarding the documentation needed, as requirements can vary from one company to another.


Best Insurance Companies for Military Discounts in Texas

Several insurance companies are known for providing excellent military discounts and exceptional customer service to military families. Some of the top choices include:

  • USAA: Exclusively serving military members and their families, USAA often offers the most competitive rates and discounts. They understand the unique needs of military life and provide tailored services accordingly.
  • GEICO: Offers up to a 15% discount for military personnel. GEICO is also known for its deployment discount, which is available for those who are deployed in an imminent danger pay area.
  • Farmers: Provides discounts for active duty, reserve, and retired members of the Armed Forces.
  • State Farm: Known for offering personalized service, State Farm provides discounts that vary by state but generally support military personnel with competitive rates.

Additional Tips for Maximizing Savings

  • Combine Policies: Bundling your auto insurance with other policies like homeowners or renters insurance can lead to additional discounts.
  • Increase Your Deductibles: Opting for a higher deductible can lower your premium. Just ensure it’s an amount you can afford in the event of a claim.
  • Maintain a Good Driving Record: A clean driving record can help reduce your premiums and qualify you for additional discounts.
  • Regularly Review Your Policy: Life changes rapidly, especially in the military. Regularly reviewing your policy ensures your coverage needs are met and that you are taking advantage of all eligible discounts.

Does insurance have military discount?

Yes, many insurance companies offer military discounts to active duty service members, veterans, and sometimes even members of the National Guard and Reserves. The most common type of military discount is on car insurance, but some companies may also offer discounts on other types of insurance, such as homeowners insurance or renters insurance.

The amount of the discount can vary depending on the company and the type of insurance, but it is typically around 10-15%. Some companies may also offer additional discounts for things like deployment or storing a vehicle while on active duty.

Here are some things to keep in mind if you are looking for a military discount on insurance:

  • Not all companies offer military discounts.
  • The amount of the discount can vary depending on the company and the type of insurance.
  • You will need to provide proof of military service in order to qualify for the discount.

If you are unsure whether or not a particular company offers a military discount, you can always contact them directly to ask. You can also compare quotes from multiple companies to find the best rate.

What’s the cheapest car insurance for military?

While there’s no single “cheapest” option guaranteed for everyone, some insurers tend to offer better rates for military members and veterans. Here’s a breakdown to help you find the most affordable car insurance:

  • USAA: Often tops the list for offering the cheapest car insurance for military personnel, with discounts and coverage specifically designed for them NerdWallet: Best military car insurance for veterans and families: [invalid URL removed] insurance/military. However, USAA membership is restricted to active duty, veterans, and family members.
  • Geico: Another major insurer known for competitive rates, Geico offers military discounts of up to 15% and additional perks for deployment situations GEICO Military Car Insurance & Coverage Discounts:
    • Other Major Insurers: Companies like Farmers, Liberty Mutual, and even some regional providers may offer military discounts. It’s always worth getting quotes to compare.

    Here are some additional tips for finding cheap car insurance as a military member:

    • Compare quotes: Don’t just go with the first company you contact. Get quotes from several insurers, including those mentioned above, to see who offers the best rate for your situation.
    • Consider additional discounts: Many insurers offer discounts beyond military service, such as good driver discounts, multi-car discounts, and safety feature discounts. Make sure you ask about all available discounts.
    • Adjust your coverage: The amount of coverage you choose will significantly impact your premium. Consider your car’s value, your risk tolerance, and state minimum requirements when choosing your coverage levels.

    By comparing quotes and considering these tips, you can find the most affordable car insurance that meets your needs as a military member.


Car insurance is a necessity, but it doesn’t have to be a financial burden. For military personnel in Texas, there are numerous discounts and benefits available that recognize their service and sacrifice. By understanding and utilizing these discounts, military members and their families can enjoy considerable savings and gain peace of mind knowing they are adequately protected on the road. Whether you are active duty, a veteran, or a family member, make sure to inquire about these options with your insurance provider.

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