Navy Federal Auto Insurance Review (2024)
Read this Navy Federal auto insurance review to learn how to qualify for affordable Navy Federal car insurance. NFCU auto insurance is available through Liberty Mutual for $174/mo for full coverage. Navy Federal members receive exclusive discounts and lower rates than non-members.
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 insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Nov 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Navy Federal
Average Monthly Rate For Good Drivers
$73A.M. Best Rating:
AComplaint Level:
LowPros
- File claims by phone, online, or via the Liberty Mutual mobile app
- Receive exclusive Navy Federal insurance discounts on coverage
- Access to NFCU financial and banking services, including auto loans
Cons
- Membership limited to active, retired, or veteran military members
- Liberty Mutual has more complaints than other insurers its size
- Navy Federal provides auto insurance through a partnership with Liberty Mutual
- Navy Federal members can receive exclusive discounts on coverage
- Navy Federal members can obtain coverage from one of the top companies
Does Navy Federal offer car insurance? Yes, you can get affordable Navy Federal auto and home insurance policies through its partnership with Liberty Mutual. Use this Navy Federal auto insurance review to compare discounts and auto insurance quotes starting from $174/mo from Liberty Mutual through Navy Federal Credit Union (NFCU).
Comparing NFCU car insurance ensures that members are shopping with one of the top ten auto insurance companies in the U.S. Unfortunately, while many Navy Federal reviews are positive, Liberty Mutual’s poor customer service ratings result in more negative Navy Federal Credit Union car insurance reviews.
Keep reading to determine if Navy Federal Credit Union insurance is right for you or enter your ZIP code above to start comparing free insurance quotes right now.
What You Should Know About Navy Federal
Navy Federal Credit Union car insurance is offered through Liberty Mutual. Liberty Mutual underwrites all car insurance with Navy Federal, so you will speak to a Liberty Mutual agent when you file a claim, buy coverage, or update your policy. Read our Liberty Mutual auto insurance review to learn more.
Since Navy Federal members receive coverage through Liberty Mutual, most Navy Federal car insurance reviews discuss Liberty Mutual’s customer service and financial ratings.
Read More: Best Auto Insurance Companies
Liberty Mutual has been rated A by A.M. Best, a credit rating agency that regularly rates companies based on financial strength. The ratings indicate that the company is very likely to provide a payout when you file a claim.
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Navy Federal Auto Insurance Customer Service Reviews
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) let insurance customers list complaints online. Both organizations have reviewed Liberty Mutual’s complaints to determine the company’s quality of service.
Liberty Mutual has been rated B by the Better Business Bureau (BBB). This rating is based on the company’s business practices and indicates that the company is usually transparent when dealing with customers but has a high number of company complaints.
The NAIC has received 70 complaints about Liberty Mutual. The organization lists the company’s complaint index ratio at 2.20, indicating more than double the complaints about a company of a similar size.
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Navy Federal Auto Insurance Claims Review
Navy Federal members can file claims by phone, online, or via the Liberty Mutual mobile app. Members who prefer to file online or via a mobile device can do so in the claims section.
Additionally, members can make claims over the phone by calling the Navy Federal car insurance number for Liberty Mutual at 1-800-225-2467. A representative will ask various questions about the incident and might request specific pieces of evidence, like photos of the accident or a police report.
Learn More: How to File an Auto Insurance Claim
Navy Federal Homeowners Insurance Reviews
Navy Federal home and auto insurance are both provided through Liberty Mutual. According to annual J.D. Power satisfaction surveys, Liberty Mutual performs around average when it comes to filing Navy Federal homeowners insurance claims. However, it’s one of the bottom companies for overall satisfaction.
Members with Navy Federal renters insurance have an easier time with Liberty Mutual, ranking the company as the top five for customer satisfaction.
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Navy Federal Credit Union Reviews
Even though it doesn’t sell auto insurance, Navy Federal Credit Union is one of the largest credit unions in the U.S. It provides checking and savings accounts, auto loans, and certificates of deposit, and members earn dividends on all five types of checking accounts no matter the minimum balance.
Navy Federal auto loan rates are also very competitive, as low as 7.49%, making it an affordable option for drivers who want to finance a new or used vehicle.Schimri Yoyo Licensed Agent & Financial Advisor
However, NFCU insurance requires full coverage on all auto loans, which will raise your average monthly rates. Learn more about when you need full coverage insurance to finance a car.
Navy Federal Insurance Coverage Options
With Navy Federal, Liberty Mutual provides seven main types of car insurance. The following table discloses each of these coverages and methods of protection if you become involved in an accident.
Navy Federal Auto Insurance Coverages
| Type of Coverage | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Medical expenses | Covers medical costs caused by an accident regardless of who is at fault. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
Remember, Navy Federal auto insurance requirements state that drivers must carry full coverage if they are financing the vehicle through NFCU. Full coverage includes all state minimums, plus collision and comprehensive coverage. Click to find cheap full coverage auto insurance.
In addition to these standard coverages, Liberty Mutual also offers gap car insurance for Navy Federal members. Gap insurance covers the remaining amount on an auto loan or lease if your vehicle is totaled in an accident. You might need gap coverage per the Navy Federal insurance requirements or to meet the requirements of another lessor.
Optional Insurance Coverage
Navy Federal and Liberty Mutual provide members with some additional choices. These are the options that members can add to a policy:
- Emergency roadside assistance: This covers towing, jump starts, fuel delivery, flat tires, locked doors, and 24-hour assistance.
- Rental car reimbursement: This helps to pay for a Navy Federal car rental when your primary vehicle is unavailable.
- Mechanical breakdown insurance: This is not a Navy Federal auto warranty but will cover mechanical issues that are not a result of maintenance or standard wear and tear.
The emergency road assistance and mechanical breakdown coverages are helpful for drivers stranded at any location with their vehicle. While members might not need Navy Federal rental car insurance, it can be beneficial if they’re traveling or if their vehicle is in the shop.
Like most insurance companies, Liberty Mutual prices coverages individually. As a result, adding more coverage increases the price of Navy Federal auto insurance quotes.
How to Qualify for Navy Federal Auto Insurance
Any driver can purchase Liberty Mutual auto insurance, but only NFCU members who meet the Navy Federal car insurance requirements can buy a policy.
Navy Federal membership is available to the following groups:
- Active, retired, or veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard, or Air National Guard
- Members of the delayed entry program (DEP)
- Department of Defense (DOD) reservists, officer candidates and ROTC, civilian employees, U.S. government employees of the DOD, civilian retirees, and annuitants
- Family members of anyone listed above, including the parents, grandparents, spouses, children, siblings, grandchildren, and any household members
Navy Federal is most similar to USAA in that only military members and their families are eligible. Read our USAA auto insurance review to learn more.
However, unlike USAA, Navy Federal members obtain coverage from another company. Still, getting Liberty Mutual coverage gives members access to Navy Federal car insurance discounts that can lower rates.
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Navy Federal Insurance Rates Breakdown
Companies use multiple factors that affect auto insurance rates, including:
- Your location
- Your driving record
- Vehicle safety features
They also consider determinants that change over time, like your driving record. These components are different for each driver; therefore, you can only receive an accurate Navy Federal insurance quote by answering several questions. However, reviewing average rates will help you narrow down your selection.
Navy Federal members can purchase coverage through the credit union’s partnership with Liberty Mutual. The following chart reveals Liberty Mutual’s average annual auto insurance rates compared to other top companies.
Navy Federal Auto Insurance Monthly Rates vs. Other Companies
| Insurance Company | Full Coverage |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual (Navy Federal) | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
Liberty Mutual is one of the more expensive companies on this list. For example, when compared to Geico, Navy Federal is near twice the price. However, you can find affordable Navy Federal car insurance rates from Liberty Mutual with your NFCU membership and military discounts.
Many members will want to compare Navy Federal auto insurance vs. USAA since both are military-focused insurance providers. In this comparison, USAA is less expensive, but you should always compare Navy Federal car insurance quotes online to find the cheapest coverage.
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Navy Federal Discounts Available
Both Navy Federal and Liberty Mutual have insurance discounts. The auto insurance discounts for Navy Federal members encompass the subsequent cost-saving benefits for those who decide to secure coverage through the Navy Federal auto insurance company.
Navy Federal Auto Insurance Discounts
| Discount | Savings |
|---|---|
| Affiliation | $100 - $500 |
| Driver’s Education | $50 - $200 |
| Good Driver | $200 - $500 |
| Low-Mileage | $50 - $300 |
| Multi-Vehicle | $100 - $400 |
| Safety Features | $25 - $100 |
In addition to these Navy Federal auto insurance discounts, most members also have access to an additional Liberty Mutual Navy Federal discount — since members are usually current or former military members, the company will automatically include savings for your service.
Liberty Mutual also offers a multi-policy discount for drivers who have Navy Federal auto and home insurance. Find out how to save money bundling insurance policies.
Navy Federal Auto Insurance Review: The Bottom Line
Navy Federal Credit Union auto insurance is available through its partnership with Liberty Mutual, providing members with comprehensive coverage tailored to their needs. On average, drivers pay $174 for full coverage, but NFCU members can experience reduced rates for military service on all types of coverage.
One of the most appealing aspects of Navy Federal vehicle insurance is the availability of military discounts, recognizing and appreciating the service of its members. These discounts can significantly reduce premiums, making quality coverage more affordable for military personnel and their families.Tracey L. Wells Licensed Insurance Agent & Agency Owner
Auto insurance through Navy Federal is affordable, but you’ll get the cheapest car insurance when you compare quotes online. Enter your ZIP code below to start comparing free auto insurance quotes today.
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Frequently Asked Questions
Does Navy Federal have car insurance?
Navy Federal provides discounted auto insurance policies and exclusive membership perks through a partnership with Liberty Mutual. Members enjoy auto insurance rates around 50% less than the national average.
Who qualifies for Navy Federal auto insurance?
Navy Federal Auto Insurance is available to members of Navy Federal Credit Union. Membership is generally open to active-duty and retired military personnel, Department of Defense civilians, and their family members.
Is Navy Federal car insurance good?
Yes, and the biggest Navy Federal auto insurance perk is very low rates.
Can I get online Navy Federal auto insurance quotes?
Yes, you can obtain a quote for Navy Federal Auto Insurance online. Navy Federal Credit Union provides an online quoting tool on its website, allowing you to enter relevant information about your vehicle and desired coverage to receive a personalized quote.
What is the Navy Federal auto insurance phone number?
You can reach NFCU Member Services at 1-888-842-6328, and they will connect you with an insurance agent.
Are Navy Federal auto insurance rates cheaper than USAA?
Navy Federal auto insurance rates are about the same as USAA at $73/mo.
Who is better, Navy Federal car insurance vs. USAA?
USAA and Navy Federal auto insurance rates are about the same, but USAA has better customer service reviews. Navy Federal underwrites through Liberty Mutual, which scores below average when it comes to customer and claims satisfaction.
What is the history of Navy Federal auto insurance?
Navy Federal Credit Union was founded in 1933 as a credit union for military members. The organization remains member-owned by its more than 10 million members.
Is Navy Federal auto insurance affiliated with Geico?
In 2016, Navy Federal partnered with Geico to provide discounted car insurance specifically for military members. In December 2021, Navy Federal came to an agreement with Liberty Mutual, allowing the company to provide auto and home insurance to Navy Federal members.
What is Navy Federal insured by?
Liberty Mutual has been underwriting Navy Federal home and auto insurance since 2021.
Does Navy Federal require full coverage?
If you’re financing a car through NFCU, you must carry full coverage to comply with Navy Federal auto loan insurance requirements.
How much is gap insurance with Navy Federal?
If you need gap insurance, Navy Federal charges a flat fee of $399 that you can pay at once or split across your monthly auto insurance payments.
How long does Navy Federal take to approve an auto loan?
Most members are approved for a Navy Federal car loan in five minutes or less. However, your credit history could impact how quickly you’re approved.
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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 insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.