geico: good option for retired and non-deployed military
geico may ultimately be the most economical option if you are not deployed or retired from the military. Geico offers military auto insurance rates comparable to USA rates in the states we surveyed.
Overall, Geico is among the most affordable insurance companies in the US. uu. Geico offers up to a 15% discount for those who served in the military, regardless of active status.
When you factor in geico’s 15% savings for members of the Army, Navy, Air Force, Marine Corps or Coast Guard, it may offer the best rates overall.
You are eligible for geico military discounts if you are a member of any of the following organizations:
geico’s biggest shortcoming compared to usaa is its discount for soldiers who are deployed. Both companies reduce your bill when you’re abroad and your car is in storage, but Geico’s discount is substantially less: just 25% off your premium.
also, unlike usaa, the discount is only available if you’re stationed in an “imminent danger pay” area (as defined by the department of defense).
imminent danger payment areas are only a subset of the countries you can ship to, so if you’re parked in japan, which is not an imminent danger area, you won’t be eligible for the geico discount .
It is important to note that Geico’s military insurance program is very accommodating to the military. Geico Military staff are ex-military, so they understand what their customers may be going through. The site also has several valuable resources for military members to read about the process of leaving and returning from deployment.
usa vs. geico auto insurance for military
both usaa and geico are great options for former or current members of the military and their dependents, but ultimately usaa has a small edge, especially if you’re on active duty. geico also scores significantly lower in customer satisfaction compared to usaa.
in the j.d. power ratings, geico scored 4/5 and 3/5 in complaint handling and customer satisfaction, respectively.
If you or a family member is a former or active member of the military, we recommend that you get quotes from both usaa and geico. while usaa tends to be cheaper, there are some states where the geico discount makes it the cheaper option.
state farm: low rates and discount opportunities
for example, state farm offers a good driver discount for drivers who spend three years without moving violations or at-fault accidents. also offers a program called steer clear for drivers under the age of 25. This is an online course aimed at improving your driving skills and upon completion you can receive up to 20% discount on your insurance. cousin.