Save up to 50% on Car Insurance Get Started
call Get Car Insurance

Veteran's Day: Insurance Discounts and Deals for Veterans

author-photoWritten by Preston Micalizio
author-photo
Preston Micalizio

Preston Micalizio writes insurance content for SmartFinancial. He brings three years of professional experience writing ...

Read more
editor-photoEdited by Richard Murphy
editor
Richard Murphy

Richard Murphy manages content on SmartFinancial's website. With a strong background in content strategy and copywriting...

Read more
Updated October 20, 2025

Expert Reviewed

Expert Reviewed

Our panel of insurance experts has reviewed the content to ensure that our reporting and statistics are accurate, easy to understand and unbiased.

Learn more
secure Editorial Standards

SmartFinancial Offers Unbiased, Fact-based Information. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. Learn More

Car insurance companies generally don’t offer Veterans Day discounts, but some carriers offer premium discounts for veterans and active military members. Also, if you’re shopping for a new car, several car dealers may offer Veterans Day promotions to help veterans save on their next car purchase or lease.

Keep reading to learn more about Veterans Day insurance deals, discounts and the companies that provide them.

Key Takeaways

  • Veterans Day car insurance discounts are generally unavailable, but veterans may qualify for military discounts and lower car prices.
  • Insurance companies like USAA and GEICO are great options for veterans due to their wide selection of member benefits and discounts that cater to military members.
  • Claiming a veterans car insurance discount often requires proof of military service, such as a military ID, VA card or membership with a veteran organization.
  • Ford, Honda and Toyota are among several car manufacturers that offer promotions on new or used car purchases and leases for veterans and active-duty military personnel.

On This Page

Expand Table of Contents

Car Insurance Discounts for Veterans and Military Members?

Many insurance companies offer veterans and active-duty service members benefits and discounts on auto insurance. They may also have opportunities to save if they maintain a good driving record, install safe driving devices and meet other eligibility criteria.

Keep in mind that military discount availability can vary by location.

How To Get Military or Veterans Car Insurance Discounts

Claiming a military or veterans car insurance discount requires choosing an insurance company that offers the discount and providing proof of past military service.

1. Find an Insurance Company That Offers Discounts to Veterans

You’ll first want to check which insurance companies offer discounts. Here’s a quick breakdown of some major car insurance companies and their military discount options:

Company

Discount

GEICO

15%[1]

Farmers

✓[2]

Allstate

X

Nationwide

X

Erie

X

Travelers

X

USAA

X*

Liberty Mutual

✓[3]

State Farm

Active-duty only must live in Louisiana[4]

Kemper

Active-duty only[5]

*USAA exclusively serves military families, so there is no additional discount specifically for military membership.

GEICO, in particular, offers veterans a 15% car insurance discount, while Farmers and Liberty Mutual may offer discounts to some degree.[1][2][3] Some insurance companies provide military discounts with certain restrictions, such as Kemper, which only offers discounts to active-duty members, and State Farm, which only offers them to Louisiana residents.[4][5]

You should still shop around, even if the car insurance company does not offer a military or veterans discount. While discounts are always helpful, you may still find a lower rate from a company that does not offer military discounts. Each insurer uses its own pricing methodology, which can result in a cheaper policy elsewhere for the same level of car insurance coverage.

2. Show Proof of Military Service

Insurance companies typically require proof of service to claim a veterans discount. Veterans can qualify for the discount by providing one or more of the following documents:[6]

  • Veteran identification card
  • Veterans health identification card
  • Driver’s license with a VETERAN endorsement
  • Honorable discharge certificate
  • NGB Form 22
  • DD Form 214
  • VA eligibility letter

Active-duty military members can also present their enlistment contracts, pay stubs for leave and earnings, record briefs or reserve orders as proof of military service.[6]

Which Companies Provide the Best Car Insurance for Veterans?

While many companies offer perks to active and former military members, USAA and GEICO provide some of the best car insurance options for veterans and military families. Below, we’ll discuss some of these benefits.

USAA and GEICO best car insurance companies for military members and veterans

USAA

USAA is a leading insurance provider committed to serving veterans, active-duty military personnel and their families. While it doesn’t offer an additional veterans discount, USAA auto insurance policies are only available to active-duty military personnel, veterans, military spouses or the child of a living military member. Because its customer base is so specific, many of USAA’s benefits are designed for the realities of a military lifestyle.

For example, members stationed on base may save up to 15% on comprehensive coverage when their vehicles are garaged on military premises.[7]

Additionally, those storing vehicles for the long term may be eligible for a 60% insurance discount. An added perk of choosing USAA is that the long-term storage discount may still apply even if your friends or family use the vehicle infrequently during deployment. However, the long-term storage discount is unavailable if you live in North Carolina or Virginia.[7][8]

In 2025, USAA car insurance received top accolades from J.D. Power across all surveyed regions, although the company was not officially ranked since it did not meet the study criteria.[9] Through its SafePilot program, USAA members can enroll in a telematics-based initiative that rewards safe drivers with up to 30% off premiums.[10] In addition, USAA is an excellent choice for safety-conscious drivers seeking competitive rates and extensive membership benefits, including additional savings on flights, hotels and other exclusive military discounts.[11]

GEICO

GEICO is a solid choice for veterans and active-duty service members, offering a 15% military discount and a 25% emergency deployment discount.[1] If you need to store your vehicle for 30 days or longer, GEICO can suspend or reduce your insurance coverage to help lower costs. Veterans and active-duty service members who bring their vehicles while traveling overseas can purchase 12-month marine insurance policies to cover their cars during transit.[12]

In addition, GEICO’s Military Center is staffed with professionals and veterans from all branches of the armed forces who are dedicated to assisting military policyholders with their insurance needs and inquiries. This specialized team offers worldwide coverage and a dedicated support line, ensuring vehicle protection and policy assistance even when members are stationed overseas.[13]

Do Car Manufacturers or Dealerships Have Veterans Day Sales?

Some car companies hold promotions for active-duty military members on or around Veterans Day, offering discounts on veterans’ car purchases, leases or reduced rates on auto loans. These promotions can be especially helpful since new car prices are so high.

These offers are typically avaialable to active-duty service members, veterans and, in some cases, family members, and they require proof of service. Some companies may also enforce additional eligibility requirements for veterans, such as a 12- to 24-month separation period from active or reserve duty. Ask your local dealership for more details, including how long the promotion will last.

If you’re buying a new car, ask whether there are regional incentives that can be combined with national promotions. Below are several promotions available to veterans and active-duty service members that could potentially be stacked with other Veterans Day car sales in your area:

Company

Veterans Day Promotion

Acura

$750 savings towards eligible 2025 or newer Integra, ADX, TLX, RDX, or MDX vehicles or eligible 2024 or newer ZDX models when leasing/financing through Acura Financial Services[14]

BMW

$500 to $5,000 savings toward a lease or new BMW vehicle purchase[15]

Ford Motor Company

Cash reward toward the purchase or lease of any new and eligible Ford or Lincoln vehicle[16]

General Motors

Special offer on new and unused GM cars, SUVs, crossovers, midsize, light-duty and HD pickup trucks, with eligibility for passenger and cargo vans as well[17]

Harley Davidson

No money down, 9.14% APR for up to 60-month term for highest-credit applicants on eligible Harley‑Davidson motorcycles financed through Eaglemark Savings Bank[18]

Honda

$500 savings toward a 2024 or newer Honda vehicle when financing or leasing a car through Honda Financial Services (HFS)[19]

Hyundai

$500 savings toward the purchase or lease of select Hyundai vehicles for active-duty military members, veterans and National Guard members[20]

Mitsubishi

$500 rebate on select Mitsubishi vehicles[21]

Nissan

$500 cash back towards the lease or purchase of qualifying new Nissan vehicles[22]

Subaru

$500 savings toward car purchase of select Subaru vehicles[23]

Toyota

$500 rebate toward purchasing or leasing a new Toyota car through Toyota Financial Services (TFS)[24]
Find the Best Car Insurance for Veterans

FAQs

Is Veterans Day a good time to shop for insurance?

Car insurance companies generally do not offer Veterans Day discounts or car insurance sales, but some car dealers do when you finance or lease an eligible vehicle. Purchasing a new car can be an excellent time to shop for a new car insurance policy with cheaper rates.

What proof do you need to show you’re eligible for a veterans discount?

To claim a veterans discount, you must typically provide a valid military ID or other proof of veteran status. Examples include a veteran organization membership card, a VA card or your discharge papers.

Can you save money when buying a car on Veterans Day?

Yes, Acura, Ford, Honda, Nissan, Toyota and several other prominent automakers may offer deals on buying or leasing an eligible car to active-duty military members and veterans. Check with your local auto dealers to see if they offer veteran discounts.

Is USAA only for veterans?

No, USAA also sells policies to active-duty personnel, employees of some federal agencies and precommissioned officers. Military spouses or children of USAA policyholders may also buy a policy.[25]

Sources

  1. GEICO. “Car Insurance Discounts.” Accessed Oct. 17, 2025.
  2. Farmers Insurance. “Car Insurance Discounts.” Accessed Oct. 17, 2025.
  3. Liberty Mutual. “Auto Insurance Discounts.” Accessed Oct. 17, 2025.
  4. State Farm. “Car Insurance Discounts Louisiana.” Accessed Oct. 17, 2025.
  5. Kemper. “Kemper Auto Discounts Give You More Ways to Save.” Accessed Oct. 17, 2025.
  6. ID.Me. “What Documents Prove Your Military Status.” Accessed Oct. 17, 2025.
  7. USAA. “Auto Insurance Online Discounts.” Accessed Oct. 17, 2025.
  8. USAA. “Here's What You Need to Know About Storing Your Car While on Duty.” Accessed Oct. 17, 2025.
  9. J.D. Power. “2025 U.S. Auto Insurance Study,” Pages 3-14. Accessed Oct. 17, 2025.
  10. USAA. “SafePilot App: Drive Safe and Save.” Accessed Oct. 17, 2025.
  11. USAA. “How To Get the Best Military Discounts.” Accessed Oct. 17, 2025.
  12. GEICO. “Dedicated Support and Service.” Accessed Oct. 17, 2025.
  13. GEICO. “Military Deployment Center.” Accessed Oct. 17, 2025.
  14. Acura. “Military Appreciation Offer.” Accessed Oct. 17, 2025.
  15. BMW. “Military Incentive.” Accessed Oct. 3, 2024.
  16. Ford. “Military Recognition Program.” Accessed Oct. 3, 2024.
  17. General Motors. “GM Vehicle Purchase Program.” Accessed Oct. 3, 2024.
  18. Harley Davidson. “Motorcycle Financing.” Accessed Oct. 3, 2024.
  19. Honda. “Military Appreciation.” Accessed Oct. 3, 2024.
  20. Hyundai. “Military Program.” Accessed Oct. 3, 2024.
  21. Mitsubishi. “Mitsubishi Military Rebate & Discounts.” Accessed Oct. 3, 2024.
  22. Nissan. “Military Discount Program.” Accessed Oct. 3, 2024.
  23. Subaru. “Subaru Financing and Lease Offers.” Accessed Oct. 3, 2024.
  24. Toyota. “Toyota Military Rebate.” Accessed Oct. 3, 2024.
  25. USAA. “USAA Membership.” Accessed Oct. 17, 2025.
About the Author
Preston Micalizio
Preston Micalizio
Auto Insurance Expert

Preston Micalizio writes insurance content for SmartFinancial. He brings three years of professional experience writing in various industries, from higher education to e-commerce. He strives to engage with the audience, provide accurate reporting and make complex subjects easily digestible.

linkedin
Related Articles

Get a Free Auto Insurance Quote Online Now.

More on Auto Insurance

Related Articles
auto

Looking for Auto Insurance?

Compare rates from dozens of companies in less than 3 minutes.