Best Navy Federal Auto Insurance Discounts in 2024 (Check Out the Top 10 Companies)

You can find the best Navy Federal auto insurance discounts at State Farm, Farmers, and Progressive. Our top pick for the best discounts is State Farm due to its competitive rates and multi-policy discounts.

Car insurance through Navy Federal can be more affordable with these discounts, offering significant savings for policyholders.

Our Top 10 Company Picks: Best Navy Federal Auto Insurance Discounts

Keep reading to learn more about an auto insurance discount for Navy Federal Members. Discover the types of auto insurance options available by entering your ZIP code into our free comparison tool above today.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

#1 – State Farm: Top Pick Overall

Pros

• Numerous Discounts: State Farm offers a variety of discounts, including those for safe driving and young drivers.
• Drivewise and Milewise Programs: Allstate’s Drivewise and Milewise programs help save on premiums by rewarding safe driving and offering pay-per-mile options for low-mileage drivers. Read more about these UBI programs in our full State Farm auto insurance review.
• Excellent Reputation: Consistently ranks high in consumer studies.

Cons

• Higher Premiums: State Farm often has higher-than-average premiums for adult drivers.
• Mixed Reviews: Customer reviews for State Farm insurance are mixed.

#2 – Farmers: Best for Coverage Options

Pros

• High Customer Satisfaction: Farmers is rated above average in customer satisfaction for both auto insurance shopping and claims.
• Coverage Options: Farmers offers a wide range of coverage options that may not be available with other carriers.
• Numerous Discounts: There are many discounts available which you can read more about in our Farmers auto insurance discounts guide.

Cons

• Higher Rates: Sample premiums are above the national average in all driver categories analyzed.
• Low Digital Service Score: Farmers received a lower-than-average score from J.D. Power for digital services.

#3 – Progressive: Best for Technology Integration

Pros

• Gap Insurance: New car owners can add gap insurance for extra protection.
• Lower Rates for Seniors: Progressive offers slightly lower-than-average annual rates for senior drivers. 
• Good Discounts: Teachers and military members receive average discounts of 13% and 12%, respectively.

Cons

• Poor Collision Claim Rating: Received only a grade of C from auto repair experts for its collision claim process.
• High Teen Driver Rates: Progressive has higher-than-average rates for teen drivers. Learn more about coverage options and monthly rates in our Progressive auto insurance company review 

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

#4 – USAA: Best for Customer Service

Pros

• Cheapest Liability-Only Coverage: USAA offers the most affordable rates for liability-only insurance. Find out why USAA ranks among the cheapest providers in our USAA auto insurance review.
• Lower-than-Average Rates: USAA provides rates lower than the national average in most categories.
• Strong Financial Stability: USAA has a proven track record of financial strength.

Cons

• Military Only: USAA is limited to military families and veterans.
• Limited Safe-Driver Discount: The safe-driver discount is not available in every state.

#5 – Allstate: Best for Bundling Discount

Pros

• Rideshare Coverage: Rideshare insurance is offered in many states.
• Multiple Coverage Options: Includes accident forgiveness, new car replacement, and safe-driving bonuses.
• Flexible Term Life Options: Term life coverage spans 10 to 40 years.

Cons

• Below-Average Customer Ratings: Ratings for auto insurance shopping satisfaction are lower than other companies.
• Higher Rates: Premiums are above the national average for teens, young adults, and seniors. Find more information about Allstate’s rates in our review of Allstate insurance.

#6 – Liberty Mutual: Best for Policy Savings

Pros

• Competitive Pricing: Liberty Mutual offers better pricing than competitors in various categories.
• Wide Coverage Options: They provide a diverse selection of coverage options and discounts.
• Special Coverage for Mexico: Liberty Mutual offers special coverage through MexPro for drivers traveling to Mexico.

Cons

• Customer Satisfaction: Liberty Mutual received a below-average score in J.D. Power’s Auto Claims Satisfaction Study.
• High Rates: Some customers may find the premiums offered by Liberty Mutual to be higher compared to other insurance providers. To see monthly premiums and honest rankings, read our Liberty Mutual review.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

#7 – Nationwide: Best for Accident Forgiveness

Pros

• Competitive Rates: Nationwide offers great rates for drivers with speeding tickets and poor credit. Find out if Nationwide might have the lowest rates for you in our Nationwide auto insurance review.
• Discounts: It provides the cheapest rates for senior drivers and parents adding a 16-year-old to their policy.
• Innovative Programs: Nationwide offers a pay-per-mile option and a usage-based insurance program.

Cons

• DUI Premiums: Nationwide’s premiums for drivers with a DUI are higher compared to other competitors.
• Customer Satisfaction: Recent J.D. Power studies indicate Nationwide’s customer satisfaction for auto insurance is lower than average.

#8 – Travelers: Best for Driver Discounts

Pros 

• Competitive Rates: Travelers offers lower-than-average annual rates. See what you can expect to pay in our Travelers company review.
• Accident Forgiveness: The company provides two accident forgiveness plans.
• New Car Replacement: Travelers offers new car replacement insurance. 

Cons

• Discount Availability: Discounts may vary depending on your location.
• Below-Average Customer Satisfaction: Travelers has received below-average customer satisfaction ratings.

#9 – American Family: Best for Loyalty Rewards

Pros

• Low Complaint Rate: American Family has a lower-than-expected number of customer complaints relative to its size. Find out more about American Family in our American Family review.
• Affordable Rates: The insurance costs offered by American Family are competitive, catering to various driver profiles, including those with good driving records and those with past violations or accidents.
• Specialized Coverage: American Family provides specialized insurance options such as non-owner and SR-22 insurance.

Cons 

• Repair Process Ratings: American Family received only an average score for its collision repair process.
• Limited Availability: American Family auto insurance is not available nationwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

#10 – AAA: Best for Assistance Benefits

Pros 

• Regional Coverage Options: AAA provides coverage options tailored to specific geographic regions.
• Bundle Savings: Policyholders can save money by bundling their auto insurance with other coverages offered by AAA, such as home or renters insurance. Learn more: AAA Auto Insurance Company Review
• Membership Discounts: Being a member of AAA may qualify individuals for discounts on their auto insurance premiums.

Cons

• Membership Requirement: AAA auto insurance may require membership with the organization.
• Inconsistent Discount Availability: Some discounts offered by AAA may not be available in all locations.

Navy Federal Auto Insurance Discounts

While Navy Federal doesn’t sell auto insurance, it does partner with auto insurance companies to get reduced rates for Navy Federal members. In the past, Navy Federal has forged partnerships with providers such as MetLife and Geico, and most recently, has teamed up with Liberty Mutual through the TruStage Auto & Home Insurance Program.

The strategy has been beneficial and productive; based on Navy Federal auto insurance reviews, the organization earned a #1 ranking for customer experience (CX) on Forrester’s CX Index.

Navy Federal’s Partnerships and Auto Insurance Benefits

Many insurance companies do not offer discounts on auto insurance for veterans, meaning that military members may need to shop around for affordable rates or have limited choices among the few companies that do provide opportunities to save.

In addition to giving members more options for cheaper insurance, Navy Federal’s partnerships also provide the following benefits for members:

• Member-Centric Partnerships: NFCU has changed partnerships with insurers numerous times over the years. This is because they forge partnerships that are in the best interests of their members rather than the companies involved.
• Member Discounts: Navy Federal partners with other companies mainly to provide members discounted rates or other coverage benefits. Often, this makes it very easy for Navy Federal members to enjoy savings. For example, NFCU’s partnership with Liberty Mutual can save customers money if they sign up for insurance online instead of in person.
• 24/7 Support: Navy Federal members benefit from 24/7 support and claim assistance. For instance, as a customer, you can connect with support staff over the phone to file a claim whenever needed.

These features may appeal to Navy Federal members seeking a more customer-focused experience. This is especially true for veterans who have difficulty finding discounts and consistent customer support.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Auto Insurance Discounts for Navy Federal Members

Savings may vary from state to state and customer to customer for several reasons. Still, being a Navy Federal member may be extremely helpful for certain individuals.

Is your money snoozing in a regular bank account? Here’s 7 tips to grow your cash into a stash. #FinancialAdviceFriday https://t.co/zSYSk9GBqD pic.twitter.com/dXlrqrq9hs

— Navy Federal Credit Union (@NavyFederal) February 2, 2024

Check out the table below for a list of discounts from our top companies.

Some things to consider when it comes to auto insurance discounts for Navy Federal members include:

• Members Must Qualify: Members have first to check their eligibility to see if they qualify. Checking to see if you qualify for a discount on auto insurance is easy either online or by touching base with your broker.
• Restrictions May Apply: Discounts are not available in some states. Additionally, discounts may only apply to specific types of coverage.
• Other Factors: Other factors may impact insurance rates. Insurance companies often consider the following criteria when setting policy rates and restrictions:
  • Driver profile
  • Vehicle make and model
  • Driver history

Obtaining an online quote is an easy way to verify whether you qualify and how much discount you can leverage for being an NFCU member.

Why You Should Choose Navy Federal When Shopping for Auto Insurance

Navy Federal auto insurance discounts are part of their overall mission. While there may be a couple of other options for cheap auto insurance for military and Veterans,  being a member of Navy Federal has distinct advantages.

The table below shows the average monthly rates for Navy Federal.

Auto Insurance Monthly Rates by Coverage Level & Providers With the Best Navy Federal Discount

Besides partnering with insurance companies to provide member discounts, NFCU has countless other financial products specifically designed for military members.

Navy Federal Members can Benefit from Auto Insurance Discounts

Navy Federal members can get significant discounts on auto insurance policies thanks to the credit union’s partnerships with insurance companies. This is because, using these partnerships, NFCU can take advantage of group discounts and pass the savings on to its members.

The amount you save will vary depending on your situation, and two different members could save differing amounts on similar policies. Factors such as your driving history and the make and model of your vehicle may play a significant role in deciding how much you save. Learn more about the factors that affect auto insurance rates in our detailed guide.

Get Navy Federal auto insurance quotes by entering your ZIP code below into our free comparison tool today.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption