Which insurers offer military discounts?

Several major carriers offer a standard discount for active duty, reserve, or veteran status, typically applied automatically once you provide proof of service. One large insurer sells exclusively to military members, veterans and their families and prices its whole book around that population.

Can I lower my rate further while deployed?

Yes. Storing your vehicle rather than driving it during deployment, and letting your insurer know, often unlocks a much larger reduction than the standard military discount alone, since a parked car carries far less risk.

Do military discounts stack with other discounts?

Usually, yes. A military discount is typically applied alongside safe-driver, multi-policy, and good-student discounts rather than replacing them, though the exact combination rules vary by insurer.

Military and veteran discounts, worth more than a checkbox.

The standard discount is real, but the bigger savings usually require actually asking about deployment and storage options.

The standard discount

Most major insurers offer some form of discount for active duty, National Guard, reserve, or veteran status, generally in the range of ten to fifteen percent once you provide proof of service. It's typically one of the easier discounts to claim since it just requires documentation, not a change in behavior or coverage.

One insurer built specifically for this population

A single major carrier sells exclusively to military members, veterans, and their immediate families, and its rates are consistently competitive for that group precisely because its entire underwriting model is built around military life: frequent relocations, deployments, and time stationed overseas. If you're eligible, it's worth getting a quote from that insurer specifically rather than assuming a standard discount from a general-market insurer is your best option.

Deployment storage is where the real savings show up

If a vehicle will sit unused during a deployment, most insurers let you reduce coverage to a storage-only or comprehensive-only policy while it's parked, since a car that isn't being driven carries dramatically less risk than one on the road. Some insurers offer a steep discount specifically for a vehicle stored on a military installation during deployment. This isn't automatic. It generally requires telling your insurer directly and confirming what's still covered, theft and weather damage typically remain protected even while liability and collision are reduced or paused.

Discounts stack, but confirm the combination

A military discount is usually applied on top of, not instead of, other discounts you already qualify for: multi-policy, safe driver, good student for a dependent. The exact rules for how discounts combine vary by insurer, so it's worth asking directly rather than assuming the biggest single discount is automatically the best overall deal once everything is stacked.

Run your own baseline estimate on the rate calculator, then compare it against a quote that includes your military discount.

Why we built a rate spread tool instead of another quote form.

About us

Open Rate Index started from a simple annoyance: every car insurance site collapses a whole city's worth of pricing into one round number, then asks for a phone number before showing anything more specific. We wanted to see the actual range, insurer by insurer, without handing over contact details first. So we built a database of publicly filed rates instead of a quote engine, and a bracket tool instead of a form. No lead gets sold to an agent when you use this site, because we're not set up to sell leads at all. We're not an insurance agent, broker, or carrier, and we never will be.

Methodology

Every number on this site is labeled one of two ways. Filed means it comes from a real per-carrier rate filing for that specific city. Estimated means we don't have that per-carrier filing yet, so we spread a statewide average across a handful of insurers instead, clearly marked so it's never mistaken for a filed number. Credit tier and driving record are always modeled adjustments layered on top of a filed or estimated base rate, built from published industry-typical multipliers rather than any one carrier's private rating plan. Data is refreshed as new filings arrive, and every rate row carries the month it reflects. Full breakdown on the methodology page.

States and cities

We currently track 105 cities across 51 states, and 124 insurers, and that list grows every month as new filings get imported. Some markets already have a full per-carrier picture, others run on a labeled statewide estimate until a real filing lands. Every change is logged month by month on the changelog, so you can see exactly what moved and when, city by city.

Read the longer version on the About page, or the line-by-line breakdown on Methodology. Questions or something look wrong? Get in touch.