Best Auto Insurance for Veterans in Texas (Check Out the Top 10 Companies for 2025)
The best auto insurance for veterans in Texas starts at $21 per month. Farmers, Travelers and Geico are the top car insurance providers for coverage for veterans due to their affinity to the military, support and great discounts. Find the best auto insurance for veteran drivers in Texas.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Mar 21, 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 and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and 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.
UPDATED: Mar 21, 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 and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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1,733 reviewsCompany Facts
Full Coverage for Veterans in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviews
19,116 reviewsCompany Facts
Full Coverage for Veterans in Texas
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsWhen looking for the best auto insurance for veterans in Texas, there are specific factors to consider. Farmers, Travelers, and Geico all have their own benefits for military members. Comprehending the unique requirements and available choices can assist veterans in making knowledgeable choices regarding car insurance coverage.
Our Top 10 Company Picks: Best Car Insurance for Veterans in Texas| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A | Veteran Affinity | Farmers |
 | #2 | 13% | A++ | Military Support | Travelers |
 | #3 | 25% | A++ | Military Discounts | Geico |
 | #4 | 10% | A+ | Affinity Savings | Progressive |
 | #5 | 10% | A++ | Military Focus | USAA |
 | #6 | 25% | A | Affinity Benefits | Liberty Mutual |
 | #7 | 20% | A+ | Veteran Affiliation | Nationwide |
 | #8 | 25% | A | Loyalty Rewards | American Family |
 | #9 | 25% | A+ | Drivewise Program | Allstate |
 | #10 | 17% | B | Safe Driver | State Farm |
In this article, we will explore what makes car insurance for veterans unique, the importance of having car insurance as a veteran, the top car insurance providers for veterans in Texas, factors to consider when choosing car insurance, and more. Take note of our top 3 auto insurance companies for military and veterans in the table above, and be sure to compare insurance companies using our comparison tool!
- Most insurers offer discounts, deductibles and lower rates to veterans in Texas
- There are further savings if the insurer is affiliated to military organizations
- USAA insurance is designed to help veterans and their families in Texas
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#1 – Farmers: Our Top Pick
Pros
- Veteran and Military Discounts: Farmer’s offers discounts to military personnel and veterans in Texas. To find out more, check out the Farmer’s auto insurance review.
- Strong Customer Service: Farmers has a network of local agents in Texas, providing personalized support and great claims handling.
- Comprehensive Coverage Options: Includes liability, collision, comprehensive, and additional coverages like roadside assistance and rental reimbursement.
- Bundling Discounts: If you have homeowners or renters insurance with Farmers, you can get discounts by bundling policies.
Cons
- Higher Premiums: Farmers tend to have higher-than-average rates than other Texas insurers. Veterans looking for budget-friendly options might find better deals elsewhere.
- Limited Military-Specific Benefits: Farmers do not provide specialized military coverages, unlike USAA, which is designed specifically for military members and veterans.
- Discounts Vary by Location: Some military or veteran discounts may not be available in all areas of Texas.
#2 – Travelers: Best for Military Support
Pros
- Competitive Rates for Good Drivers: Travelers offer reasonable rates, especially for drivers with a clean record. Veterans with good driving history may benefit from lower premiums.
- Multiple Discounts: While Travelers does not have a specific military discount, they offer safe driver, bundling, multi-car, and continuous coverage discounts.
- Customizable Coverage Options: Offers add-ons, including accident forgiveness, gap insurance, and new car replacement, to customize your policy.
Cons
- No Military-Specific Discount: Travelers do not offer discounts specific to veterans or military personnel. Read more on the Traveler’s auto insurance review to learn more about their discounts
- Higher Rates for Some Drivers: Premiums can be more expensive than those of USAA, Geico, or other veteran-friendly insurers.
#3 – Geico: Best for Military Discounts
Pros
- Military & Veteran Discounts: Geico offers a 15% discount for active-duty military personnel and retired veterans. Read our Geico insurance review to learn more.
- Affiliation Discounts: Geico offers additional savings if you’re a member of military organizations like the Association of the U.S. Army or the Navy Federal Credit Union.
- Competitive Rates: Geico is known for affordable premiums, to learn more about their rates, check out the Geico insurance review.
Cons
- No Local Agents: Geico operates mostly online and over the phone, so you won’t have a personal agent like with Farmers or State Farm.
- Limited Customization: Geico offers standard coverage but fewer specialized add-ons than some competitors.
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#4 – Progressive: Best for Affinity Savings
Pros
- Competitive Pricing: Progressive is known for affordable rates; check out the Progressive review to learn more about their pricing.
- Military & Veteran Discounts: While not as extensive as USAA or Geico, Progressive offers some military-related discounts in certain states.
- Multiple Discount Options: These include bundling, usage-based with their Snapshot® program, good driver, and pay-in-full discounts.
- Flexible Coverage Options: Coverage like gap insurance and custom parts/equipment are available for veterans in Texas.
Cons
- Limited Military-Specific Benefits: Unlike USAA, Progressive does not have a strong military or veteran focus.
- Snapshot® Can Increase Rates: If your driving habits are deemed risky by the Snapshot® program, your premium may go up instead of down.
- Rate Increases After Claims: Progressive is known for raising premiums after at-fault accidents, even with accident forgiveness.
#5 – USAA: Best for Military Focus
Pros
- Exclusive for Military & Veterans: USAA is designed specifically for military personnel, veterans, and their families, offering specialized coverage.
- Lower Premiums: USAA generally offers some of the most affordable rates in Texas, often lower than Geico, Farmers, and Progressive.
- Military-Specific Benefits: This includes storage discounts for deployed military personnel, overseas coverage, and flexible payment options for active-duty service members.
- Excellent Customer Service: USAA consistently ranks #1 in customer satisfaction for claims handling, policy management, and overall service.
Cons
- Membership Restrictions: Policies are only available to military members, veterans, and their families. Learn more about their membership with the USAA review.
- Limited Local Agents: USAA mainly operates online and by phone, so you won’t have an in-person agent like with Farmers or State Farm.
- Fewer Physical Branches: USAA has limited physical locations in Texas, unlike some competitors.
#6 – Liberty Mutual: Best for Affinity Benefits
Pros
- Military & Veteran Discounts: Veterans and active-duty military personnel based in Texas will be pleased to find discounts available. Read the Liberty Mutual review to learn more.
- Competitive Coverage Options: Policies can also include unique add-ons like new car and better car replacement, and gap insurance.
- Strong Financial Stability: Liberty Mutual’s A.M. Best rating of an A shows that their solid reputation ensures a reliable claim payout if you ever get into an accident.
Cons
- Higher Premiums: Liberty Mutual’s policies for some veterans tend to be more expensive than those of other insurance providers in Texas.
- Limited Military-Specific Benefits: Unlike insurers specializing in the military, Liberty Mutual does not specialize in military or veteran coverage.
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#7 – Nationwide: Best for Veteran Association
Pros
- Usage-Based Discounts: SmartRide® rewards safe driving with up to 40% off based on driving habits, and SmartMiles® is a good option for veterans who drive infrequently.
- Vanishing Deductible: Earn a $100 reduction on your deductible for each year of safe driving, up to $500.
- Accident Forgiveness: If eligible, this policy prevents rate increases after your first at-fault accident. Read the Nationwide review to see what other add-ons they offer.
- On Your Side® Review: Free annual policy review with a Nationwide agent to ensure you have the best coverage.
Cons
- Limited Military-Specific Benefits: Nationwide does not specialize in military or veteran policies.
- Higher Rates for Some Drivers: Veterans with a less-than-perfect driving record may find Nationwide’s premiums higher due to their high-risk rating.
- Mixed Customer Service Reviews: Some policyholders report that their claims were delayed due to difficulty communicating with their representatives.
#8 – American Family: Best for Loyalty Rewards
Pros
- Competitive Rates for Safe Drivers: Veteran drivers in Texas who maintain a clean driving record can expect low rates.
- Diminishing Deductible: Your deductible decreases each year for safe driving, a large benefit for loyal AmFam customers.
- Personalized Service: There are plenty of local agents around Texas for veterans who prefer in-person support. Read the AmFam review to learn about their customer service and more.
Cons
- Limited Availability in Texas: American Family’s coverage in Texas is not as widespread as some other insurance providers on this list.
- No Military-Specific Benefits: Unlike USAA or Geico, American Family does not provide military-exclusive perks or storage discounts.
#9 – Allstate: Best for Drivewise Program
Pros
- Drivewise® Program: Veterans can save money with this telematic program through safe driving. Learn more about their telematic programs in the Allstate review.
- Accident Forgiveness: Helps prevent rate increases after your first at-fault accident.
- Claim Satisfaction Guarantee: If you’re unhappy with the claims process, Allstate may offer a credit toward your premium.
Cons
- Drivewise® Can Raise Rates: If you enroll in Drivewise® and don’t drive safely, your premium could increase instead of decrease.
- Discount Availability Varies: Military discounts are not standard and depend on the local agent.
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#10 – State Farm: Best for Safe Driver
Pros
- Strong Local Agent Network: State Farm has many agents in Texas, making it a great choice if you prefer in-person service.
- Competitive Rates for Safe Drivers: State Farm offers affordable premiums, sometimes lower than Allstate and Farmers, for drivers with clean driving records.
- Drive Safe & Save™ Program: This is a telematics program that rewards safe driving and offers potential savings of up to 30%. Check out the State Farm review to learn more.
Cons
- Drive Safe & Save™ Can Increase Rates: If you enroll and don’t score well, your premium could increase instead of decrease.
- Limited Flexibility for Deployed Veterans: Unlike USAA, State Farm does not offer special storage discounts for military members who store their cars while deployed.
Understanding Car Insurance for Veterans
Before we explore the best car insurance options, you need to recognize how veteran car insurance varies from other car insurance plans. Companies frequently offer advantages and considerations for veterans, such as reduced rates, extra coverage choices, and adjustable policy conditions.
Veterans in Texas Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $75 | $196 |
| $64 | $169 |
| $48 | $127 |
| $38 | $101 |
| $62 | $163 |
| $49 | $130 |
| $42 | $112 |
| $30 | $79 |
| $35 | $92 |
| $21 | $56 |
Veterans may have unique circumstances, such as frequently traveling or relocating due to their assignments. Car insurance that offers flexibility with their coverage options would be better for them, as it’ll provide protection even when stationed in different locations. Insurers also offer discounted rates which should be taken advantage of.
It is also worth noting that car insurance requirements and regulations can vary from state to state. In Texas, for instance, drivers are required to have minimum liability coverage to operate a vehicle legally. Veterans in Texas should ensure that their car insurance policy meets these requirements to avoid any legal issues.
Policies should be checked regularly to ensure it still meets their needs. Regular research when the next payment is due, may help veterans find cheaper rates or better benefits that are now available to them.
Top Car Insurance Providers for Veterans in Texas
Many different insurers in Texas can provide the best car insurance for veterans and military personnel. These companies can offer many discounts or rate reductions through military affiliation. Benefits can also range from cheap auto insurance for disabled veterans.
Finding the right car insurance is a top priority. You want a provider that understands your circumstances and offers the coverage you need at an affordable price. Luckily, several top providers offer auto insurance for veterans and their families in Texas.
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Factors to Consider When Choosing Car Insurance
When choosing car insurance as a veteran in Texas, there are several important factors to consider. Understanding these factors will help veterans make informed decisions and select the most suitable car insurance provider and policy.
One key factor to consider when choosing car insurance is the coverage options offered by different providers. Veterans should assess their unique needs and select a policy that provides adequate coverage for their specific circumstances.
Common coverage options include liability coverage, which protects against damage or injury caused by the insured vehicle, collision coverage, which covers repairs or replacement of the insured vehicle in case of an accident, comprehensive coverage, which covers non-collision related damages such as theft or vandalism, and uninsured/underinsured motorist coverage, which provides protection in case of an accident with a driver who doesn’t have sufficient insurance.
Customer Service
Great customer service is important for getting the best offers and when you need to make a claim. This is no exception when it comes to veteran’s car insurance. Easy communication from the insurance provider can make the process much smoother when the unique needs of a veteran are understood.
Looking into the reputation of an insurance provider can give you an idea if they’re the best car insurance for veterans and their families. Reviewing other veterans’ comments in similar circumstances can provide insight into what is available. Also, don’t forget that asking the company directly about your concerns can also give information on how willing they are to help.
Affordability and Discounts
When looking for affordable military auto insurance, you need to compare rates and discounts from different providers. This can help veterans find the most affordable options. You can do this by entering your ZIP code into our comparison tool below. Many veterans’ car insurance discounts on offer are provided by numerous companies. These discounts can help reduce the overall cost of car insurance.
Car Insurance Discounts From the Top Providers for Veterans in Texas| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Early signing, Safe driver, Anti-theft, Good student, Military affiliation, Drivewise program |
| Multi-policy, Loyalty, Safe driver, Good student, Auto safety equipment, Defensive driver, Early-bird discount |
| Multi-policy, Safe driver, Good student, Anti-theft, Bundling, Pay-in-full, Affinity (including military) |
| Military, Multi-vehicle, Bundling, Defensive driving, Good student, Emergency deployment, Seat belt use |
| Military affiliation, Bundling, Multi-car, Vehicle safety features, Low mileage, Safe driver, Good student |
| Multi-policy, Multi-car, Good student, Anti-theft, Safe driver, Affinity discount (including military) |
| Multi-policy, Multi-car, Continuous insurance, Safe driver, Snapshot program, Military affiliation |
| Multi-car, Multi-policy, Good student, Safe driver, Defensive driving, Anti-theft system, Steer Clear program |
| Multi-policy, Multi-car, New car, Safe driver, Hybrid/electric vehicle, Affinity discount (military groups) |
| Multi-policy, Safe driver, Good student, Low mileage, Stored vehicle, Garaging, Military installation |
You should inquire about other discounts to get even more affordable military car insurance. A good driving record can lead to discounts on premiums, and bundling your car insurance policy with homeowner’s insurance can further increase savings. It’s essential to ask insurance providers about all the possible discounts and incentives that may apply.
However, if you pick the cheapest auto insurance for veterans, you must consider various factors. Cheap isn’t always the best, as you need to assess the coverage, customer service, and discounts available.
How to Apply for Auto Insurance as a Veteran in Texas
If you’re prepared, applying for vet’s auto insurance can be very straightforward. Readying your documents and past information for the insurer’s requirements will make the process smoother.
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The key documents will always be your driver’s license, your vehicle details, and proof of your military enlistment. You also cannot forget about your social security number, and history of past insurers, and your driving records and history so the provider can estimate how much the quote should be. Once prepared, you can follow these steps for the application process when searching for the best vehicle insurance for vets in Texas:
- Research and compare car insurance providers that cater to veterans.
- Request for auto insurance quotes for veterans from multiple providers to compare rates and coverage.
- Show the required documents prepared earlier to the chosen car insurance provider.
- Review their policy terms, coverage options, and any additional benefits.
- Sign the policy documents and make the initial payment if satisfied.
- Ensure proper coverage is in place before driving the vehicle.
And with that, you’re ready to drive around with your new auto insurance for veterans around Texas. So to help you be more prepared, just use our comparison tool below to help you with those steps above to get quick quotes for your auto insurance.
Frequently Asked Questions
Who qualifies for car insurance for veterans in Texas?
Car insurance for veterans in Texas is available to all retired or active-duty military personnel, including veterans, active-duty service members, and their families.
What benefits are offered under car insurance for veterans in Texas?
Car insurance for veterans in Texas offers various benefits, like special discounts, lower rates, and flexible payment options, all tailored to the needs of military personnel.
How can veterans in Texas apply for car insurance?
For information about military or veteran benefits, contact different providers and speak to their agents. You can also use our comparison tool below by entering your ZIP code. Veterans can also contact their local Veterans Affairs office for recommendations and assistance in finding suitable insurance providers.
Are there any specific documents required to apply for car insurance for veterans in Texas?
The specific documents required may vary depending on the auto insurance provider. However, common documents typically include proof of military service, such as a DD-214 form, military ID, or VA card, as well as standard identification and vehicle information.
Can veterans in Texas switch their current car insurance to a veterans-specific insurance program?
Yes, veterans in Texas can switch their current car insurance to a veterans-specific insurance program. It is advisable to compare different insurance providers to find the best coverage and rates for your needs.
Are there any additional resources or support available for veterans regarding car insurance in Texas?
The Texas Veterans Commission or local support groups for veterans can provide guidance, information, and resources about car insurance. Insurers who specialize in the military community often offer great customer service for veterans’ concerns.
What is the best auto insurance for veterans?
Either USAA, due to its specialization in the military and its families, or Geico, for its military discounts of up to 15% and its emergency deployment discount. Both insurers have great benefits for military families.
Which car insurance is best for the military?
USAA and Geico, mentioned on this list, are often the best. Forces Mutual, another insurer not mentioned, also offers military discounts. With this in mind, be sure to use our comparison tool to find other insurers that are not on this list but may have benefits for your needs.
Can disabled veterans get reduced car insurance rates?
Yes. Some insurers offer special discounts for disabled veterans, and Texas veterans with a 100% service-connected disability may qualify for a property tax exemption, which may indirectly reduce overall expenses.
Are there any state-sponsored programs for veteran car insurance in Texas?
Texas does not have a state-run insurance program for veterans. Still, veterans may be eligible for financial assistance through programs like the Texas Veterans Commission or other veteran service organizations.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and 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.