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Military auto insurance

We have car insurance and discounts made just for our military families.

Get an auto quote

Retrieve a saved quote

Military auto insurance

We have car insurance and discounts made just for our military families.

Get an auto quote

Retrieve a saved quote

Auto insurance designed for the military.

Our policies are for anyone who's eligible but have features and benefits made for those in the military.

Whether you're active duty, retired, Guard or Reserves, you can get coverage that fits your lifestyle with USAA Auto Insurance.

Features that benefit military families

Custom coverage options

Tailor your policy with the types of coverage you need. As your service changes your needs, we can help you get the right coverage.

Flexible payments

Pay your premium based on your military, retirement or disability pay schedule. There's no extra cost for choosing your own payment dates.

International coverage

Make sure you’re covered. If your military career takes you outside the U.S., we can help with overseas insurance.

Military car insurance discounts and savings

Our members saved an average of $960 on their yearly premium when they switched to USAA Auto Insurance.‍ ‍

Whether you're active duty or retired, we can help lower your family's premium with car insurance discounts.

On-base

Save up to 15% on your auto premium when you garage your car on base.‍ ‍

Storage

If you're deploying or storing your insured car for another reason, you could get up to 60% off your premium.‍ ‍

Automatic payments

Save up to 3% on your premium when you enroll in automatic payments.‍ ‍

Multi-vehicle

You’ll save automatically when you have 2 or more vehicles on a policy.‍ ‍

Bundle and save

Save up to 10% when you bundle auto and property policies.‍ ‍

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Save with one of our safe driving programs.

When you get a car insurance quote, you’ll have the option to enroll in one of these programs.

USAA SafePilot®

Better driving means bigger discounts.

  • Get up to 15% off when you enroll, and earn up to 30% off your premium‍ ‍ at renewal for safe driving in .
  • Mobile driving app required for participating drivers.

Locations

The USAA SafePilot 15% enrollment discount is available in all U.S. locations except AZ, DC, HI, ND, NH, NY, SD, VT, WV and WY. Additional restrictions apply for Massachusetts Unregistered policies.

The USAA SafePilot program isn't available in California, U.S. territories or internationally.

Learn more aboutUSAA SafePilot

USAA SafePilot Miles™

Driving less? Save more.

  • Up to 20% savings for lower mileage and an earned driving discount of up to 20% off your premium‍ ‍ for driving safely.
  • Monthly rate adjusted based on mileage and other factors.
  • Mobile driving app required for each driver.
Learn more about USAA SafePilot Miles

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Why choose USAA for military car insurance?

We’ve been providing vehicle coverage to military members since 1922. We understand the needs of the military community and make it our mission to support those who serve and their families.

Get an auto quote

Why choose USAA for military car insurance?

We’ve been providing vehicle coverage to military members since 1922. We understand the needs of the military community and make it our mission to support those who serve and their families.

Get an auto quote

Claims made easier, even when you’re training or deployed.

If you’re called to serve your country, we’ll make sure to take care of your family. It’s easy to file and keep track of your auto claims.

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Making a military move?

Most states require you to get some liability coverage. Some states also ask you to buy uninsured or underinsured motorist coverage.

If you're getting ready to move outside the U.S., you might need overseas insurance.

Check to see what your new state requires.

View coverage requirements

Auto insurance tips for the military

Military discounts: How to save big

Article: 10 minutes

Read article: Military discounts: How to save big

How to store a vehicle for long-term

Article: 5 minutes

Read article: Smart tips for long-term vehicle storage

Military car storage options and tips

Article: 7 minutes

Read article: Military car storage options and tips

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Get military car insurance that’s got your 6.

Get an auto quote

Retrieve a saved quote

Get military car insurance that’s got your six.

Get an auto quote

Retrieve a saved quote

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. Potential average savings based on a countrywide survey conducted March 3, 2026 to March 30, 2026 of new customers who self-reported savings when they switched to USAA Auto Insurance between Feb. 12, 2025 to Feb. 1, 2026. Individual savings may vary and isn't guaranteed.

  2. This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. May not be available in all states, other restrictions apply.

  3. Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

  4. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  5. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  6. New or renewal policies underwritten in United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company and Garrison Property and Casualty Insurance Company may see savings off premium at renewal and receive initial participation discount when enrolled in either USAA SafePilot® or USAA SafePilot Miles® program. Must be enrolled in a safe driving program to receive discounts and/or mileage based rates. Earned driving discount is offered at renewal and is based on driving behavior of all rated drivers on the policy. USAA SafePilot initial participation discount is applicable to your initial enrollment, not to exceed 365 days, and expires at first renewal in which the driving discount is applied. Discount will vary by program selected and may vary by state. Discounts subject to change over life of the policy.

    New or renewal policies underwritten by any other USAA affiliate not named in paragraph above and which are enrolled in one of the safe driving programs, USAA SafePilot® or USAA SafePilot Miles®, on or after October 2026 may see savings off renewal premium or may be subject to an increase at renewal based on a personalized safe driving adjustment that may be earned by each participant. Participation is voluntary. USAA SafePilot initial participation discount is only applicable to initial enrollment not to exceed 365 days or until a personalized safe driving adjustment is earned. USAA SafePilot Miles may provide savings when driving less. Policies remaining consistently enrolled term to term in either program may receive a discount at new business and renewal. When a member is unenrolled from either program after earning a qualified driving score, a prior performance factor may be applied and may result in an increase or decrease to subsequent policy terms for that member, regardless of enrollment. Terms, savings, increases and discounts may vary by location. 

    USAA SafePilot and USAA SafePilot Miles are optional programs that are available with an active USAA auto insurance policy. USAA SafePilot Miles is best for those comfortable with a monthly bill that varies and for those who drive less than 8,000 miles per year. Both programs only available in select states. Program availability and state restrictions apply. Smartphone, data plan, download of the USAA DriveSafe® app and multifactor authentication required. Programs are subject to change.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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