Best Auto Insurance for Army Soldiers

Army soldiers have unique auto insurance needs - PCS moves across states, deployment storage, and SCRA protections. Here is how to get the best rates and use every military benefit available to you.

Quick Facts: Military Auto Insurance

Avg Military Discount
15%
SCRA Benefit
Storage Rate
Coverage
Multi-State

SCRA Auto Insurance Protections

The Servicemembers Civil Relief Act (SCRA) gives Army soldiers important auto insurance rights:

Best Auto Carriers for Army Soldiers

CarrierMilitary DiscountSCRA CompliantMulti-State
USAAUp to 25%YesYes
Geico MilitaryUp to 15%YesYes
Armed Forces InsuranceVariesYesYes
Progressive MilitaryUp to 10%YesYes

Auto Insurance by Army Base State

State minimum coverage requirements vary. When you PCS, your insurance needs to meet your new state's minimums. Key states for Army soldiers:

Texas$30K/$60K/$25K minimums - no income tax North Carolina$30K/$60K/$25K - Fort Liberty Washington$25K/$50K/$10K - JBLM Georgia$25K/$50K/$25K - Fort Stewart Kentucky$25K/$50K/$10K - Fort Campbell

Deployment Storage Savings Estimator

Fort CavazosTexas auto rates guide Fort LibertyNorth Carolina auto guide Savings CalculatorTotal insurance savings estimate

Auto Insurance FAQ for Army Soldiers

Not necessarily. Many military-friendly carriers like USAA and Geico cover you across state lines without needing to change policies. However, you should notify your insurer of the new garaging address. Some states may require re-registering the vehicle.
Yes. If you store your vehicle during deployment, most carriers offer a comprehensive-only storage rate (removing liability and collision). This can cut your premium by 70-80% for the deployment period.