Cheap Car Insurance Quotes for Disabled Veterans (2021)

When looking for affordable car insurance for disabled veterans, you’ll find that USAA has the lowest full-coverage rates and GEICO has the lowest minimum-coverage rates. In addition to a military discount, you can combine other savings to decrease your military auto insurance rates. Learning more about car insurance for disabled veterans will help you find the best coverage.

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UPDATED: Nov 24, 2021

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Overview

  • USAA has the lowest full-coverage rates for disabled veterans
  • GEICO has the lowest minimum coverage rates for disabled veterans
  • Combining discounts will help you obtain the lowest rates for disabled veterans

Veterans auto insurance companies provide affordable rates for disabled veterans. If you’re looking for the best coverage as a veteran, you may find it frustrating and overwhelming. But we can help.

In this article, we’ll compare rates from companies like USAA (cheapest for full coverage) and GEICO, which has the lowest minimum coverage rates.

We’ll teach you all about car insurance for disabled veterans to help you make the best decision.

Before learning more about car insurance for disabled veterans, enter your ZIP code to get free auto insurance quotes in your area.

What are the rates for car insurance for disabled veterans?

Finding affordable car insurance for disabled veterans means comparing rates from many companies. For a veteran car insurance needs to be included in a budget. So comparisons can be incredibly helpful. To compare companies, the following chart shows the average annual rates for full and basic coverage options with a military discount.

Average Annual Full Coverage and Minimum Coverage Car Insurance for Disabled Veterans Rates
CompanyAverage Annual Full Coverage Car Insurance RatesAverage Annual Minimum Coverage Car Insurance Rates
Arbella$1,253$459
Farmers$1,830$656
GEICO$1,268$380
USAA$1,169$419
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USAA auto insurance has the lowest full coverage car insurance rates for disabled veterans. However, the GEICO military discount means lower rates for those looking for the state minimum coverage.

How will a modified car affect military car insurance rates?

If you’re disabled you might need modifications to your car, such as:

  • Seat modifications
  • Wheelchair lifts
  • Wheelchair ramps
  • Accelerators for left foot
  • Pedal extenders
  • Hand controls

Many of these modifications require a larger vehicle, such as a van or SUV. Because they’re more expensive, these vehicles have higher rates. And that means slightly more expensive insurance for veterans.

If you find that your necessary modifications are too expensive, reach out to the U.S. Department of Veteran Affairs. You might be eligible for help in paying for modifications.

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What discounts are available for car insurance for disabled veterans?

According to the Insurance Information Institute, several factors impact car insurance rates. Although some factors can make your rates go up, discounts can help offset expensive rates. Fortunately, it’s easy to find a car insurance company for disabled veterans that offers discounts.

Car insurance for military veterans can be expensive, even with a military discount. The best way to get affordable rates is to take advantage of other saving opportunities. Fortunately, you can find the lowest rates by taking the following steps when comparing military insurance companies:

  • Talk to insurer about options
  • Shop around
  • Look for savings beyond the military discount

The potential savings from discounts depend on the type of car you drive, vehicle safety mechanisms, how often you drive, and your lifestyle. To learn more, take a look at some of the discounts.

Car Insurance Discounts for Disabled Veterans
Auto DiscountDiscount Eligibility
Accident-freeDrivers with no accidents in past three to five years.
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill-switches.
Defensive drivingCompleted approved defensive driving course.
Good studentHigh school or college students with at least a 3.0 grade point average.
HomeownerInsured owns a single-family home.
Low mileageDriving 5,000 to 15,000 miles per year.
Multi-car policyInsures more than one car on a single auto insurance policy.
Multi-policyBundling different types of insurance.
Paid in fullPolicy is paid in one payment.
Safe driverDisplay safe driving habits, like having passengers wear seatbelts, low driving speeds, and less aggressive driving.
Student away at schoolCollege-aged children that attend college over 100 miles away and leave their car at home.
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While these are the most common discounts from military insurance companies, other savings are available. Asking about all possible discounts will help you find the lowest car insurance quotes for disabled veterans.

What are some other ways to get affordable auto insurance for veterans?

Combining discounts is the easiest way to get the lowest rates from the best car insurance for military veterans. However, there are some other ways to obtain affordable rates:

  • Change your deductible – A higher deductible makes it more likely that the company will receive the full payment.
  • Improve your credit score – Customers with a high credit score are more likely to make payments.
  • Decrease your coverage – Car insurance rates depend on the amount of coverage, so less coverage equals lower rates.

As a general rule, choosing less coverage isn’t recommended. Instead, shop around to save money on car insurance.

How is car insurance for disabled veterans different from coverage for active military members?

When you retire from active duty, you might need to change your auto insurance coverage. Active military members might drive less if they live on base or are deployed. However, disabled veterans may also drive less if they are no longer working.

Active military members might need to store their cars and suspend their policy during deployment. When choosing an auto insurance company, active-duty members have to consider these factors. However, this isn’t a factor for veterans.

Veterans insurance car coverage is the same as for active duty. However, as previously mentioned, disabled veterans might require modifications to a vehicle. As a result, your rates might be higher.

Car Insurance for Disabled Veterans: The Bottom Line

Car insurance for veterans is slightly different from active duty. USAA and GEICO offer the lowest rates, but combining discounts can help you obtain a more affordable price. Learning more about car insurance for disabled veterans will help you get the cheapest coverage.

Hopefully, we’ve taught you how to earn car insurance discounts for your service.

Ready to buy car insurance for disabled veterans? Enter your ZIP code to find free auto insurance rates in your area.

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

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