Members of the military have unique car insurance needs that apply to specific circumstances. Regardless of where you live or are stationed, military auto insurance laws must be met and meet or exceed the minimum requirements of the state in which you temporarily or permanently reside. Active military members and their families face a number of considerations when choosing auto insurance coverage. Not only do they frequently move from one state to another, but they occasionally travel abroad for a year or three or are deployed in combat zones.
Active-duty members, veterans, and reserve members of the United States Armed Forces have many options for car insurance. To find the best military auto insurance, we evaluate companies based on the cost after any military discount and the important features of coverage. If you decide to cancel or suspend your car insurance while you are doing basic training, you must file an affidavit of non-use with the Department of Motor Vehicles to avoid fees and penalties per vehicle or registration. You should check your state's residency laws and check with your insurance company that you have sufficient insurance.
If you're driving your car to another state for a temporary service trip and don't change your permanent destination or registered address, your military auto insurance doesn't usually require changes. American Family has a wide range of optional car insurance coverages and a very low level of complaints about its car insurance, helping it to stand out even with just the average car insurance costs. At a minimum, you'll need to make sure that you have the liability insurance required by your state for your car. For road trips shorter than a few days or weeks, almost all auto insurance policies will cover you anywhere in the United States, regardless of how far you travel or how often you travel.
If you're permanently changing stations and moving to another state, your military car insurance from another state must comply with the laws of the new state. If you are permanently out of your state of registration, you may need to purchase car insurance in your new state to meet state requirements. Florida National Guard brochure 621-5-2 Florida National Guard EDD Program, EDD online application (requires logging in with a common access card or DS). It may also be helpful to obtain a policy from an auto insurance company that specializes in military benefits, such as USAA or Geico.
Your car insurance policy will cover temporary trips out of state, but for extended stays, you may need to update your policy to match your new residence. You can rely on your regular insurance company for coverage, but getting coverage through your shipper or using a marine insurance policy can help you avoid having to pay a deductible if your vehicle is damaged or destroyed. While USAA stands out as a military auto insurance company because of its membership requirements, members of the military and veterans can find great rates at several good companies, even without a military discount. You shouldn't assume that your car insurance policy is valid in other countries, even if you can drive there.