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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 $840 on their yearly premium when they switched to USAA Auto Insurance.‍ ‍ See note 1

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.‍ ‍ See note 2

Storage

If you're deploying or storing your insured car for another reason, you could get up to 60% off your premium.‍ ‍ See note 3

Automatic payments

Save up to 3% on your premium when you enroll in automatic payments.‍ ‍ See note 4

Multi-vehicle

You’ll save automatically when you have 2 or more vehicles on a policy.‍ ‍ See note 4

Bundle and save

Save up to 10% when you bundle auto and property policies.‍ ‍ See note 5

Save more 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 app-based programs.

USAA SafePilot®

Better driving means bigger discounts.

  • Up to 10% off your premium at enrollment
  • Up to 30% off your premium at renewal for driving safely‍ ‍ See note 6
  • Mobile driving app required for participating drivers
Learn more aboutUSAA SafePilot

USAA SafePilot Miles™

Driving less? Save more.

  • Up to 20% savings for lower mileage‍ ‍ See note 6
  • Up to 20% earned driving discount off your premium for driving safely‍ ‍ See note 6
  • Monthly rate adjusted based on mileage and other factors
  • Mobile driving app required for each driver
Learn more about USAA SafePilot Miles

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

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 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. 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. Not available in New York. 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. Savings are off total premium. 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. The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.

    USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.

    USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.

    USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

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, NOBLR Reciprocal Exchange, 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.

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