USAA vs. GEICO Auto Insurance Military Discount: Who Has Better Savings?

May 20, 2019

If you’re a veteran or active military, you deserve to be recognized and appreciated for your service. Many insurance providers highlight your service by giving you and your family a discount on your auto insurance.

In most all cases, in order to receive this discount, you will need proof of past or current service – however, not all insurance companies approach these discounts the same way. While some only offer small discounts, others will even give discounts to members of certain military related organizations. Let’s take a look at the differences between the top competitors, USAA and GEICO:


USAA’s entire business model is based on serving veterans and service members. They try to keep it in the family – and while it’s not exclusive to military, veterans or the families, they’ve done a pretty good job at keeping that pattern going.

The eligibility requirements for their discounts are:

  • Active Duty Service Members
  • Active, retired, separated officers and enlisted personnel of the U.S. military
  • Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS)
  • Adult children of USAA members who have established membership
  • Widows and widowers of USAA members who have or had a USAA auto or property insurance policy
  • Former USAA Property & Casualty members

USAA also offers up to 15% discounts for those who keep their vehicle on military base and it reduces your rate by 60% if you are deployed and store your car in a safe location. USAA is known for being the best available car insurance for military and their dependents. For more information on their military discounts, head on over to their website.


Price-wise, GEICO is a close runner up with USAA when it comes to saving. Many have found that GEICO, depending on the situation, was able to offer them cheaper rates than USAA. GEICO may ultimately be the cheapest option if you are not being deployed or are retired from the military. They also offer up to 15% off of your premium regardless of your active status.

Eligibility requirements for their military discounts:

  • Association of the U.S. Army (AUSA)
  • Fleet Reserve Association (FRA) 
  • National Infantry Association (NIA)

What’s the verdict?

How does GEICO fall behind USAA in savings? Both offer discounts for soldiers who are deployed – but GEICOS discount is smaller and the discount only applies to you if you’re deployed to an “imminent danger pay” area (as defined by the Department of Defense). So, if you are stationed in Japan, which is not an imminent danger area, you won’t be eligible for the discount from GEICO.

The staff at GEICO Military are ex-military members themselves – so they have a level of understanding when it comes to their customers need who happen to be active/inactive military. For more information, head over to their website.

Both USAA and GEICO are great options for active/inactive members of the military and their dependents. However, if you’re serving in active duty, USAA may have the slight advantage. Of course, it’s important to get quotes to see who you’d be saving more with. Both are great options for those men and women who have fearlessly served our country.

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