Best Cheapest Military Car Insurance Companies in Mercer,Illinois
When it comes to securing reliable and cost-effective Military Car Insurance in Mercer Illinois, CheapInsuranced.com stands out as your go-to destination. We understand the importance of finding coverage that not only meets your specific needs but also fits your budget seamlessly. Our platform is dedicated to providing Mercer residents with a hassle-free experience, allowing you to compare and choose from a variety of cheap and affordable Military Car Insurance options.
Best Car Insurance for Military and Veterans (2024)
USAA is the best and cheapest car insurance company for members of the military community. It has liability insurance rates as low as $46 per month.
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Updated July 18, 2024
Save up to $852 by comparing quotes from the top 100+ insurance companies
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The U.S. is home to more than 2 million active-duty military personnel and 17 million veterans, according to census data.[1] [2] If you’re an active-duty member, veteran, or family member of someone who served, you can find cheap car insurance to help cut costs. Auto insurance companies offer discounts specifically for members of the military community.
While it’s a good idea to shop around and compare quotes from multiple companies, you’ll likely find that USAA, which specifically caters to the military community, offers the lowest rates.
Here’s what you need to know about military car insurance.
USAA offers the cheapest car insurance for military personnel and exclusively serves the military community.
Some auto insurance companies, like GEICO, Farmers, and Liberty Mutual, serve military service members and veterans with unique discounts.
Before you go on deployment, notify your car insurer and learn about your options for coverage.
Best car insurance for veterans and military
Here’s an overview of the best car insurance companies for veterans and members of the military.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Best insurer for customer service: USAA
Customer ServiceUSAA
USAA started in 1922 and offers many insurance products, including auto insurance, to current and former members as well as military families. It scores high for customer satisfaction across all regions in multiple J.D. Power studies, making it a great option if you want top-notch service. USAA also carries a financial strength rating of A++ (Superior) from AM Best, the highest rating available.
In addition to typical car insurance options like liability insurance and full-coverage policies, USAA offers add-ons, such as roadside assistance and accident forgiveness. Plus, you can save up to 60% off your premium if you’re currently deployed and securely store your vehicle.
High customer satisfaction ratings
Discount for storing your car on a military base
Gap insurance not available
Few local offices
The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.
Great Company, Great Employees
Good
Best insurer for veterans: Liberty Mutual
VeteransLiberty Mutual
Liberty Mutual serves policyholders in 50 states and Washington, D.C., with standard auto insurance coverage and optional plans. You can lock in a military discount for active-duty personnel, retired veterans, or reserved members of the U.S. Armed Forces.
Also, if you’re retired, you can maximize your savings with the Military Benefits Association. This organization offers special discounts to Liberty Mutual customers to lower costs.
RightTrack telematics program for safe drivers
Various add-on coverage options available
Limited discounts in some states
Average rates slightly higher than competitors
Poor
They don't offer good rates for long-time customers or those with a good driving record
Pitiful
Best insurer for military discounts: GEICO
Military DiscountsGEICO
GEICO has served consumers since 1936 and offers standard car insurance policies as well as additional options like rental car reimbursement, mechanical breakdown, and roadside assistance to military personnel.
If you’re on active duty or are a retired service member or member of the National Guard or Reserves, you can enjoy a military discount of up to 15%. You might be able to save even more if you qualify for an emergency deployment discount or are a member of certain military organizations.
Generous military discount of up to 15%
Robust mobile app
Below-average J.D. Power claims satisfaction rating
Gap insurance not available
Poor
Thanks
A Little Too Expensive
How Much Car Insurance Do You Need? (2024)
Cheapest car insurance for veterans
Your car insurance rates as a military member or veteran depend on your age, location, ZIP code, driving record, vehicle, and more. But you can get cheaper car insurance with these tips:
Shop around. Do your research and get car insurance quotes from at least three auto insurance companies. This way, you can compare your options and make an informed decision for your unique needs.
Ask about discounts. Find out whether you’re eligible for a military discount or other discounts like a loyalty discount, multi-car discount, and anti-theft device discount. A licensed insurance agent can help you learn more about which discounts are available to you.
Bundle coverage. If you have home insurance, condo insurance, renters insurance, life insurance, or another type of coverage, you may want to bundle it with your auto insurance. Many insurers offer bundling discounts.
Review and adjust your policy. You can adjust your comprehensive and collision deductibles and coverage. Higher deductibles and less coverage usually mean cheaper premiums. Just make sure you can afford a more expensive deductible and you have enough protection on the road.
Here are some of the cheapest car insurance companies for active-duty military personnel and veterans.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Rates start at $19 per month for minimum coverage
Military discounts by insurance company
Some car insurance companies offer exclusive military discounts, but how much you’ll save depends on the insurer and your unique situation. It’s a good idea to work with an insurance agent or contact the insurance company directly to get more information about discounts you qualify for.
Even though many auto insurance companies don’t have military-specific discounts, you can still take advantage of low rates and other discounts that may apply to you.
What to do about car insurance during deployment
If you’re deployed, don’t cancel your car insurance, because it causes a lapse in coverage. A lapse in coverage can make it difficult to get auto coverage in the future. Depending on your situation, you may be able to suspend your policy. The Texas Department of Insurance recommends storing your car so no one can drive it and making sure you set up automatic payments for your premiums while you’re away.[3]
USAA asks that you call a representative at 1 (877) 2-DEPLOY or go to the USAA website to inform it of your deployment. You may be able to get a vehicle storage discount if you store your vehicle on base.
Depending on the state you live in, you may have to fill out an affidavit of non-use document, which notifies the state that you won’t drive your vehicle for an extended time. Don’t forget to research or ask an agent whether you qualify for any deployment discounts.
Once you return from deployment, contact your insurer to restart your coverage. Then, ensure your vehicle registration is valid and update your insurance information on any required paperwork.
Cheapest recent rates
We just helped a driver in Hardeeville, South Carolina cover their Chevrolet Colorado with this quote from Progressive.
Liberty Mutual helped a Dodge Grand Caravan driver in Grand Island, Nebraska save on car insurance with this quote.
State Farm's average rate for drivers with good credit and a clean driving record.
We just helped a driver in Bullhead City, Arizona cover their Toyota Camry with this quote from Certainly.
Dairyland helped a Ford F-Series Pickup driver in Bell, Florida save on car insurance with this quote.
A Banning, California driver just saved on coverage for their Mercedes Benz E-Class with this quote from Sun Coast.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024
A Crossville, Tennessee driver just saved on coverage for their Subaru Forester with this quote from Progressive.
Liberty Mutual helped a Chrysler Sebring driver in El Paso, Texas save on car insurance with this quote.
Farmers's average rate for drivers with good credit and a clean driving record.
A Chicago, Illinois driver just saved on coverage for their Chevrolet Camaro with this quote from Certainly.
Freedom National helped a Ford Explorer driver in Sneedville, Tennessee save on car insurance with this quote.
We just helped a driver in Salt Lake City, Utah cover their Acura MDX with this quote from Sun Coast.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024
Military car insurance FAQs
Check out Insurify’s guide to canceling auto coverage and the answers to some frequently asked questions about military car insurance below.
Is USAA car insurance just for military members?
Yes. USAA exclusively serves active-duty military members, veterans, and their families.
Which company has the cheapest auto insurance for military?
USAA offers some of the cheapest auto insurance rates for military-affiliated drivers. Its average rates are $46 for liability insurance and $100 per month for full coverage.
Is car insurance cheaper for active-duty military?
You may lock in more affordable car insurance coverage if you’re an active-duty military member because of special discounts or suspending your policy while on deployment. It depends on your age, location, driving history, discounts, the insurance company, and other factors.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Read Editorial Guidelines
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Read Editorial Guidelines
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Read Editorial Guidelines
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