Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Sep 3, 2021

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Just What's Essential

  • Two car insurance companies offer emergency deployment discounts to military customers
  • Through GEICO, save up to 25% on your annual premiums by earning this discount
  • Through USAA, even non-emergency deployment earns you up to a 60% rate reduction

Military drivers still need to pay for car insurance even while deployed. Fortunately, USAA and GEICO both offer emergency deployment discounts to drivers.

Below, discover how deals like these can lead to affordable car insurance for all drivers and learn more about which insurance companies offer military discounts.

After reading about affordable emergency deployment discount car insurance quotes, remember to enter your ZIP code into our free rate tool above to compare premiums from the top companies near you.

What car insurance companies offer an emergency deployment discount to military personnel?

Folks in the military often wonder, do you have to pay car insurance while deployed?

The truth is, you must continue to pay for car insurance even while deployed, or else you risk a lapse in your coverage.

Coverage lapses are viewed as irresponsible by insurance providers and cause rates to increase.

Fortunately, some companies offer a discount for deployed military customers to ease the burden of paying for car insurance when you will not be driving.

If you’re looking for an emergency deployment discount car insurance company, there are two to compare:

Technically, if you purchase USAA car insurance, any deployment status can receive up to a 60% rate reduction.

But through GEICO, you must be stationed in an emergency area designated by the Department of Defense (DoD) to earn the savings.

Also, many different factors impact the cost of car insurance, like age, driving record, and the laws where you live.

Plus, not every provider is active or available in every part of the country.

So it’s worth comparing quotes from multiple providers online, even those not listed above, to secure your cheapest rates. Just remember to ask about additional car insurance discounts.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What is an emergency deployment discount?

An emergency deployment discount reduces your insurance costs during a period when you are not driving your vehicle.

But the discount through GEICO is more limited than the discount through USAA.

To qualify for the GEICO 25% rate reduction, you must be deployed to an imminent danger pay area.

But any deployment status is eligible to earn up to 60% off through USAA, assuming the vehicle is appropriately stored.

This is because USAA only underwrites policies for military personnel and their immediate families. In contrast, GEICO is available for everyone.

The companies also make qualifications to the eligibility rules on a case-by-case basis. For example, in 2014, GEICO announced that military customers deployed on Operation Enduring Freedom qualify for the savings.

To earn this savings opportunity, you must inform your provider about your deployment status.

For GEICO customers, that means calling 1-800-MILITARY to connect with the specific military customer service team.

Do you get a military discount on car insurance in general? Fortunately, most companies do offer specialized deals for people in the military.

There are different types of GEICO military discounts, for example, including:

  • Military discount
  • Membership discount

These two deals stack with your emergency deployment discount.

Technically, civilians can receive membership deals as well, but the following military-specific organizations also qualify:

  • Armed Forces Benefit Association (AFBA)
  • Association of the United States Army (AUSA)
  • Navy Federal Credit Union (NFCU)
  • Navy League of the United States (NLUS)

GEICO also offers car insurance suspension in which you can reduce your coverage as long as your car is stored on a military base while deployed.

So how do GEICO military discounts compare to USAA overall?

USAA usually offers the best prices for active or deployed military, whereas GEICO provides more competitive rates for retired military drivers.

However, the only way to determine the right company for you is by comparing quotes online.

How else can military personnel save on car insurance?

Fortunately, there are other ways military drivers can save money on car insurance.

Look for other military discounts from various companies, even beyond GEICO and USAA.

Understand your state car insurance laws, as some states allow you to pause your insurance temporarily without risking coverage lapses.

Store your car in a safe place to save on costs during deployment. Also, consider asking about these additional discounts:

  • Claim-free discount
  • Group or membership discount
  • Low-mileage discount
  • Occupational discount
  • Pay-in-full discount
  • Safe driver discount

Finally, know your rights under the Service Members Civil Relief Act (SCRA).

Separate from car insurance, SCRA offers financial protection and prevents you from losing personal or life insurance due to your active duty obligations.

Emergency Deployment Discount: The Bottom Line

GEICO and USAA are the only two companies that offer specific emergency deployment discounts for military drivers, but other providers offer deals that can be equally as competitive.

Even if you’re in the military, you’ll want to compare quotes online to determine the best company for you.

Now that you know how to buy emergency deployment discount car insurance, start comparing rates from the top providers near you for free by entering your ZIP code into our rate tool below.