Cheap Auto Insurance for Disabled Veterans in 2025 (Top 10 Company Ranking)
Cheap auto insurance for disabled veterans starts at $32 a month with USAA, State Farm, and Nationwide. USAA offers military-specific discounts, State Farm provides accident forgiveness, and Nationwide gives exclusive discounts for veterans with disabilities, making them the best options for cheap auto insurance.
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Apr 7, 2025
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UPDATED: Apr 7, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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3,071 reviewsUSAA, State Farm, and Nationwide are the best providers of cheap auto insurance for disabled veterans, with the most competitive premiums and customized benefits.
Our Top 10 Company Picks: Cheap Auto Insurance for Disabled Veterans| Company | Rank | Monthly Rates | Military Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $32 | 30% | Military Drivers | USAA |
 | #2 | $47 | 25% | Reliable Coverage | State Farm |
 | #3 | $52 | 25% | Veterans Benefits | Nationwide |
 | #4 | $54 | 15% | Military Discounts | Geico |
 | #5 | $55 | 12% | Personalized Service | American Family |
 | #6 | $57 | 15% | Flexible Plans | Progressive |
 | #7 | $59 | 10% | Discount Options | Travelers |
 | #8 | $61 | 20% | Bundling Deals | Farmers |
 | #9 | $63 | 25% | Safe Drivers | Allstate |
 | #10 | $65 | 10% | Custom Policies | Liberty Mutual |
USAA excels with its military-specific discounts, while State Farm offers customizable coverage for veterans. Nationwide gives veterans exceptional benefits such as accident forgiveness and specialized policies.
This article will explore why these companies lead the market in providing budget-friendly and comprehensive coverage for disabled veterans.
- USAA has the cheapest auto insurance for disabled veterans at $32 a month
- Military discounts and specialized benefits help reduce costs for disabled veterans
- Veterans can save by bundling policies and using safe driver programs
Find the best auto insurance rates, no matter how much coverage you need, by entering your ZIP code into our comparison tool today.
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#1 – USAA: Top Overall Pick
Pros
- Affordable Premiums: USAA has the lowest rates available at $32 a month, so it is a great option for veterans looking for cheap coverage.
- Military Discount: With a 30% discount, USAA reduces insurance costs for veterans so that premiums are affordable.
- Veteran-Centered Coverage: Tailored policies for military families ensure comprehensive and affordable coverage options. Learn more: USAA Insurance Review
Cons
- Eligibility Restrictions: Only families and members of the military can qualify, limiting access to reasonably priced auto insurance for disabled veterans.
- Limited Local Presence: Having fewer local agents could make it more difficult for certain disabled veterans to access customized help.
#2 – State Farm: Best for Reliable Coverage
Pros
- Competitive Rates: State Farm offers low premium rates, at just $47 per month, to make it a good option for veterans in search of economical protection.
- Safe Driving Discounts: State Farm rewards veterans who have a good driving record, thus lowering car insurance expenses.
- Reliable Claims Service: Based on our State Farm insurance review, it provides quick and efficient claims handling for disabled veterans who require affordable auto insurance.
Cons
- Fewer Military Discounts: State Farm does not have specialized veteran discounts like some competitors that provide military-specific benefits.
- Limited Customization: Disabled veterans may find State Farm’s options less flexible compared to other providers in terms of personalized coverage.
#3 – Nationwide: Best for Veterans Benefits
Pros
- Veteran-Specific Benefits: Our Nationwide insurance review shows that the company offers exclusive savings and flexible policies designed to meet the unique needs of disabled veterans.
- Reasonable Rates: At $52 a month, Nationwide delivers competitive pricing for veterans seeking affordable auto insurance.
- Strong Agent Support: With strong customer service, Nationwide ensures disabled veterans receive the assistance they need for their coverage needs.
Cons
- Harder to Switch: Nationwide can make it difficult for disabled veterans who want to switch their policies to another company.
- Fewer Local Offices: Some areas may have limited access to Nationwide’s in-person support, which could be inconvenient for veterans who prefer face-to-face interactions.
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#4 – Geico: Best for Military Discounts
Pros
- Military Discounts: Geico provides discounts of up to 15%, helping disabled veterans secure cheap auto insurance.
- 24/7 Customer Support: Everything you need to know about Geico includes 24/7 customer support, offering assistance to disabled veterans at any time.
- Affordable Premiums: Starting at $54 a month, Geico offers cost-effective rates, making it a good option for veterans on a budget.
Cons
- Limited Local Agents: Geico has fewer local offices, which will make face-to-face service more of a challenge for disabled veterans who want direct service.
- Higher Rates for Older Vehicles: Disabled veterans with older cars may see higher rates for auto insurance, affecting long-term affordability.
#5 – American Family: Best for Personalized Service
Pros
- Personalized Coverage: American Family provides customizable policies that cater to the specific needs of disabled veterans.
- Loyalty Discounts: American Family offers loyal customers special discounts, thus making auto insurance affordable for disabled veterans.
- Well-Rated Claims Service: The company offers limited exclusive savings for disabled veterans seeking cheap auto insurance.
Cons
- Limited Availability: American Family’s lack of coverage in some states can be an issue in the worst states for filing an auto insurance claim, leading to potential delays.
- Fewer Military-Specific Discounts: The company lacks exclusive veteran savings compared to competitors.
#6 – Progressive: Best for Flexible Plans
Pros
- Snapshot Program Savings: Progressive rewards disabled veterans with lower premiums through its usage-based Snapshot program for safe driving.
- Competitive Rates: With rates beginning at $57 a month, Progressive provides affordable coverage for veterans who wish to save on car insurance.
- Strong Digital Tools: Everything you need to know about Progressive insurance includes its strong digital tools, offering a seamless online experience for managing policies and claims.
Cons
- Higher Premiums for High-Risk Drivers: Progressive may not offer the most competitive rates for disabled veterans with a history of accidents.
- Customer Service Concerns: Some veterans have reported inconsistent service when dealing with Progressive’s claims process.
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#7 – Travelers: Best for Discount Options
Pros
- Discount Opportunities: Travelers offers multiple discount opportunities, such as for the military, to assist veterans in saving money on their policy.
- Budget-Friendly Rates: Starting at $59 per month, Travelers offers affordable auto insurance for disabled veterans.
- Strong Local Agent Support: In line with our Travelers insurance review, it provides direct contact support to veterans who enjoy receiving personal contact in dealing with their policies.
Cons
- Limited Military Discounts: Travelers does not offer specific military or veteran savings, which may make it less competitive for disabled veterans seeking military-based discounts.
- Less Digital Convenience: Travelers’ online policy management tools are not as advanced as other disabled veteran car insurance companies.
#8 – Farmers: Best for Bundling Deals
Pros
- Bundling Discounts: Farmers offers bundling options that allow veterans to save on their insurance premiums by combining multiple policies.
- Accident Forgiveness: Farmers allow disabled veterans to avoid premium increases after their first at-fault accident (Read More: Everything You Need to Know About Farmers Insurance).
- Reliable Claims Support: Farmers’ efficient claims service ensures that veterans receive the help they need when filing claims for their insurance.
Cons
- Higher Rates for Older Drivers: Veterans over a certain age may face higher premiums, making it harder to find long-term affordable coverage.
- Limited Availability: Not all states offer cheap auto insurance for disabled veterans through Farmers, which may limit coverage options.
#9 – Allstate: Best for Safe Drivers
Pros
- Budget-Friendly Rates: Starting at $63 a month, Allstate provides competitive pricing for disabled veterans looking for affordable coverage.
- Multi-Policy Savings: Bundling auto and home policies with Allstate lowers costs for cheap auto insurance for disabled veterans.
- Low-Mileage Discounts: Disabled veterans who drive less can get cheaper rates through Allstate Milewise pay-per-mile insurance. Learn more in our Allstate auto insurance review.
Cons
- Inconsistent Claims Handling: Some disabled veterans report delays in Allstate auto insurance claims.
- Higher Costs for Newer Cars: Veterans with newer vehicles may face higher premiums, making affordable coverage harder to maintain.
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#10 – Liberty Mutual: Best for Custom Policies
Pros
- Customizable Policies: Liberty Mutual provides disabled veterans with flexible coverage options to ensure they get cheap auto insurance for disabled veterans that meets their specific needs.
- Accident Forgiveness: Helps disabled veterans avoid premium hikes after their first accident, making it easier to maintain cheap auto insurance for disabled veterans.
- Various Discount Options: As our Liberty Mutual insurance review outlined, it offers several discounts to help disabled veterans secure affordable auto insurance.
Cons
- Higher Rates Without Discounts: Liberty Mutual’s base premiums may be expensive for disabled veterans who do not qualify for multiple discounts.
- Mixed Claims Reviews: Some disabled veterans report slow claim processing times with Liberty Mutual, which can be frustrating.
How Much Disabled Veterans Pay for Auto Insurance
Many insurers provide lower rates, flexible policies, and additional benefits on auto insurance for disabled veterans to lock in an affordable rate. The table below compares cheap auto insurance for disabled veterans and explains the cheapest providers.
Auto Insurance Monthly Rates for Disabled Veterans| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $63 | $171 |
| $55 | $163 |
| $61 | $165 |
 | $54 | $166 |
| $65 | $172 |
| $52 | $158 |
| $57 | $161 |
| $47 | $147 |
| $59 | $167 |
| $32 | $84 |
USAA leads with the cheapest car insurance for disabled veterans at $32 per month for minimum coverage, while it also offers the best full coverage rates at $84 per month.
Other best car insurance companies, such as State Farm, Nationwide, Geico, Progressive, and American Family, sell cheap auto insurance for disabled veterans, with premiums similar to those of providers of military car insurance benefits.
Disabled veterans should ask about unlisted military discounts and perks like accident forgiveness or waived fees.
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Getting the best car insurance for disabled veterans is more convenient with competitive rates from USAA, State Farm, and Nationwide, which provide some of the cheapest car insurance for veterans without compromising on coverage. By comparing veterans’ car insurance quotes, you can secure the best auto insurance for disabled veterans.
Other Ways Disabled Veterans Can Get Cheaper Auto Insurance
Most of the top insurers offer special car insurance discounts for the best auto insurance for disabled veterans, including military discounts, bundling discounts, and safe driver bonuses. The table below highlights the best car insurance for veterans, showcasing discounts that help lower premiums:
Auto Insurance Discounts From the Top Providers for Disabled Veterans| Company | Bundling | Low Mileage | Military | Safe Driver |
|---|---|---|---|---|
| 12% | 30% | 25% | 18% |
| 25% | 20% | 12% | 18% |
| 20% | 10% | 20% | 20% |
| 25% | 30% | 15% | 15% |
| 25% | 30% | 10% | 20% |
| 20% | 20% | 25% | 12% |
| 10% | 30% | 15% | 10% |
| 17% | 30% | 25% | 20% |
| 13% | 20% | 10% | 17% |
| 10% | 20% | 30% | 10% |
Veterans have access to savings through military discounts, auto insurance for veterans and their families, and defensive driving courses. Disabled veterans who practice safe driving habits and remain accident-free can get even lower car insurance quotes for veterans.
Disabled veterans can access exclusive auto insurance discounts and specialized coverage options from many top providers. But who specifically is eligible for these benefits? Here are the key groups that typically qualify for discounted auto insurance as disabled veterans:
- Veterans with a Service-Connected Disability: Those with a VA-recognized service-connected disability often qualify for special insurance discounts.
- Veterans Receiving VA Disability Compensation: Many insurers offer lower rates to veterans receiving VA disability benefits.
- Retired Military Personnel with Disabilities: Retired veterans with documented disabilities may be eligible for lifetime military discounts.
- Active-Duty Service Members with Disabilities: Some insurers extend similar discounts to medically discharged or disabled active-duty members.
- Family Members of Disabled Veterans: Certain providers offer discounts to spouses and dependents of disabled veterans.
Aside from the discounts provided by most leading insurers, there are also some methods that disabled veterans can apply to cut further their auto insurance costs. Although military, bundling, low-mileage, and safe driver discounts are precious, the following tips can let veterans save even more money on their policy. Try these methods to lower your premiums even more:
- Opt for a Higher Deductible: Raising your deductible can reduce your premium, but make sure you can cover the deductible amount in case of a claim.
- Maintain a Good Credit Score: A strong credit score can lead to lower rates, as insurers often consider credit when calculating premiums.
- Choose a Vehicle with Safety Features: Cars with advanced safety and anti-theft systems, like alarms or cameras, often earn discounts.
- Check Coverage on Older Cars: For older vehicles, consider reducing or eliminating collision and comprehensive coverage if the car’s value doesn’t justify the cost.
- Take a Defensive Driving Course: Many insurers offer discounts for completing a state-approved defensive driving course, reflecting your commitment to safe driving.
Disabled veterans can take advantage of various car insurance discounts, such as military, safe driver, and low-mileage savings.
By combining these with strategies like raising deductibles, maintaining good credit, and choosing safety-equipped vehicles, veterans can secure affordable, comprehensive coverage.
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Top Auto Insurance Coverage Options for Disabled Veterans
Disabled veterans can access expert auto insurance coverage options that guarantee financial protection with affordability. Here are the top auto insurance coverage options available for disabled veterans:
- Liability Coverage: This covers bodily injury and property damage expenses if the policyholder is responsible for an accident.
- Comprehensive Coverage: Protects against non-collision events such as theft, vandalism, fire, and weather-related damages.
- Collision Coverage: Pays for repairs or replacement of the insured vehicle after an accident, regardless of fault.
- Personal Injury Protection (PIP): Helps cover medical expenses, lost wages, and other costs for the policyholder and passengers after an accident.
- Uninsured/Underinsured Motorist Coverage: Provides financial protection if the policyholder is hit by a driver with little or no insurance coverage.
No matter what type of policy you need, USAA, State Farm, and Nationwide have cheap auto insurance for disabled veterans starting at $32 per month for minimum liability.
While military discounts help lower rates, a veteran’s driving history, vehicle type, and location impact pricing. To find the best rates, disabled veterans should compare quotes from multiple providers. Some companies collaborate with groups of veterans and provide special discounts to service-connected disabled individuals.
Disabled veterans can access auto insurance benefits, and eligibility is based on VA-recognized disabilities, VA compensation, or retired military status. Enter your ZIP code to explore which companies have the cheapest car insurance for veterans near you.
Frequently Asked Questions
Do 100% disabled veterans get cheaper car insurance?
Yes, 100% disabled veterans may qualify for cheaper car insurance through specialized discounts offered by insurers like USAA, Geico, and State Farm. These discounts vary by provider and state, but military service-related savings can significantly reduce premiums.
Does Geico offer discounts for disabled veterans?
Yes, Geico offers discounts for disabled veterans as part of their military savings program. Eligible veterans can save up to 15% on their total premium, depending on their service status and affiliation with certain military organizations.
Enter your ZIP code into our free quote comparison tool to compare your rates against local insurers.
Which car insurance companies offer the best rates for disabled veterans?
Some of the top companies offering cheap auto insurance for disabled veterans include USAA, State Farm, and Nationwide. These insurers are known for their military discounts, affordable premiums, and specialized coverage options for veterans (Read More: Best Tips to Pay Less for Car Insurance).
Is USAA cheaper than State Farm?
In many cases, USAA is cheaper than State Farm for military members and veterans. USAA offers exclusive rates and benefits for veterans, making it a popular and often more affordable choice for those with military service.
Is Geico cheaper than USAA?
USAA is generally cheaper than Geico for eligible veterans and active-duty military personnel, especially when factoring in USAA’s tailored coverage options and exclusive discounts. However, Geico may offer competitive rates for veterans who are not eligible for USAA membership.
What is the minimum coverage required for disabled veterans seeking cheap auto insurance?
Minimum coverage for disabled veterans usually includes liability for bodily injury and property damage, though it varies by state. Veterans may choose basic or full coverage, depending on their needs. Is it bad to cancel car insurance? It’s crucial to have continuous coverage to avoid penalties.
Does State Farm give veterans discounts?
State Farm does not offer a specific veteran discount nationwide, but some State Farm agents may apply military-related savings based on state regulations or bundling opportunities. It’s best to contact a local agent to see if you qualify for discounts as a veteran.
Is USAA really cheaper for veterans?
Yes, USAA is often really cheaper for veterans due to its military-focused policies, loyalty rewards, and lower average premiums. USAA auto insurance for veterans typically includes competitive rates, accident forgiveness, and flexible payment options. Enter your ZIP code to find out if you can get a better deal.
How can disabled veterans get cheaper auto insurance rates?
Disabled veterans can lower car insurance premiums by using military discounts, safe driver bonuses, and bundling policies. Comparing quotes can also help you find the best rates. Hacks to save more money on car insurance include seeking veteran discounts and adjusting coverage based on car usage.
What are the benefits of USAA auto insurance for veterans?
USAA auto insurance for veterans includes benefits like reduced premiums, high customer satisfaction, roadside assistance, and flexible coverage tailored to military needs. Veterans also receive perks like accident forgiveness and safe driving rewards.
Who qualifies for USAA car insurance?
USAA car insurance is available to active-duty military, veterans, and their eligible family members. Proof of service or discharge is required, and qualified members often enjoy lower rates and dedicated support.
Enter your zip code below to view companies that have cheap insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.