Does Progressive Have A Military Discount?

Many car insurance companies offer discounts to military members and veterans, but not all do. Does Progressive have a military discount? Unfortunately, the company only offers a discount on liability insurance to active military members based in Louisiana (this complies with the state’s law). The company doesn’t offer military discounts elsewhere.

However, Progressive auto insurance can come with other discounts that may lower your rates. Even without a military discount, Progressive could prove to be your cheapest auto insurance option. You won’t know which insurance provider is right for your needs until you compare quotes from the best car insurance companies yourself.

Key Points:

• Active military members based in Louisiana can get 25 percent off liability insurance coverage from Progressive.
• Progressive doesn’t offer military discounts anywhere else in the country.
• Other discounts from Progressive include multi-vehicle and multi-policy bundling, homeowner, good student, and safe driver discounts.

Does Progressive Offer A Military Discount?

Progressive only offers a military discount in Louisiana to comply with state law. Louisiana law RS 22:1482 states:

“…every motor vehicle insurer authorized to transact business in this state shall provide to active military personnel based in this state a discount of twenty-five percent of the premium on any automobile liability insurance policy purchased in this state to cover motor vehicles owned by such military personnel.”

The discount applies only to active-duty military. It’s required of all auto insurance companies that do business in Louisiana. Customers who qualify get 25 percent off their liability car insurance coverage.

For residents outside the Pelican State, the insurance provider claims that 99 percent of policyholders qualify for at least one other discount. Good students, homeowners, defensive drivers, safe drivers, usage-based drivers, multi-policy holders, and others can save with one of Progressive’s discounts.

What Louisiana’s Car Insurance Discount Law Applies To

Louisiana’s regulation applies to liability insurance coverage only. This type of coverage compensates other parties for vehicle damage and medical bills when you cause an accident. Our data shows minimum liability coverage in Louisiana costs about $932 per year, so a 25-percent discount could save you about $233 annually.

Other coverage options like collision and comprehensive coverage don’t qualify for Louisiana’s military discount.

You’re in luck if you’re an active military member based in Louisiana. Since the law applies to all car insurance companies, you can get a military discount from any other provider, too. You may have to ask for the discount if the company doesn’t offer it upfront.

Progressive Discounts For Military And Non-Military Drivers

As we mentioned, the Progressive military discount isn’t an option for every customer. But there are a number of ways you can save on Progressive car insurance. Here’s a look at some of the company’s discounts and other money-saving features:

While the Progressive military discount only applies to Louisiana, Progressive is a military-friendly employer. The company offers special benefits to employees currently or formerly with the military. These benefits include:

• Differential pay
• Continuing medical benefits for active-duty reservists and family members
• Continuing vacation time accrual during leave of absence
• Dedicated leave and benefits
• Keys to Progress^® program

If you can’t get a Progressive military discount, there are many car insurance companies that offer savings for military service. After you’ve checked out auto insurance rates from Progressive, consider USAA and Geico in your search.

Other Car Insurance Options For Military Discounts

While Progressive doesn’t have a military discount except for active personnel in Louisiana, many other auto insurance providers do offer military discounts. Two of the best options for cheap car insurance for military members are USAA and Geico.

USAA: Best For Military Members

Military families have exclusive access to USAA car insurance. Overall, we rate USAA 4.6 stars out of 5.0. USAA also scored 890 out of 1,000 on the J.D. Power 2022 Auto Claims Satisfaction Study^SM, meaning it provides an exceptional claims process and delivers customer satisfaction.

USAA Coverage

In addition to standard offerings such as liability and collision coverage, USAA offers the following services:

• Roadside assistance: Roadside assistance includes lockout service, towing, flat tire changes, gas deliveries, and jump-starts.
• Glass coverage: This covers windshield repairs. In Florida, South Carolina, Kentucky, and Massachusetts, it’s included in comprehensive plans. In other states, this is available as optional coverage.
• Rental reimbursement: USAA will pay for a car rental while your primary vehicle is under repair.
• Gap insurance: Gap covers the difference between your car’s actual cash value (ACV) and any amount you might still owe in car payments in the event of a total loss claim.
• Car replacement assistance (CRA): CRA works the same as gap insurance but will pay 20 percent more than your car’s ACV.

USAA Claims

Filing a claim with USAA is simple. After you report a claim through the USAA claims app, you’ll be contacted by an adjuster to guide you through the next steps. This usually involves taking pictures of the damage and answering questions.

USAA Military Discounts

While most customers can’t get a Progressive military discount, USAA certainly offers one. In addition to auto insurance discounts like accident forgiveness insurance and savings for good students, USAA has perks for active-duty service members. If your vehicle is garaged on a military base, you can receive up to 15 percent off comprehensive coverage.

USAA also offers a 60 percent discount when you put your car in storage. This is a useful benefit if you deploy overseas and leave your car behind. If you need to bring your car with you, you can get overseas auto insurance coverage with USAA.

Because of these discount features, we think USAA offers some of the best auto insurance for military members. Our rate data shows USAA full-coverage insurance is 39 percent cheaper than the national average, which makes it a great option for military veterans, as well.

Geico: Best For Discounts

Geico auto insurance is another strong choice for coverage. We rate Geico 4.6 stars out of 5.0 because of its affordable car insurance rates, nationwide availability, and simple claims process. AM Best gives Geico an A++ rating, meaning it has a superior ability to meet its ongoing insurance obligations, and the Better Business Bureau gives the insurer an A+.

Geico Coverage

Geico is a full-service provider and offers every type of standard coverage in addition to these car insurance policy upgrades:

• Roadside assistance: Geico’s roadside assistance package covers tows, jump-starts, spare tire replacements, and lockout services up to $100.
• Rental reimbursement: This pays for a rental car while your primary vehicle is in the shop.
• Mechanical breakdown insurance (MBI): MBI covers repairs to any covered mechanical part of your car. This is useful for breakdowns that aren’t the result of normal wear and tear. Think of it as similar to an extended car warranty.

Geico Claims

You can call Geico directly or use its mobile app or website to file a claim. A claims service representative will walk you through the process. Using Geico’s app, you can schedule a damage inspection, car rental, or repair.

Geico Military Discounts

With Geico, military members and veterans are eligible for a discount that helps service members save up to 15 percent on car insurance.

Geico also offers an emergency deployment discount for members who deploy to an imminent danger pay area, as determined by the Department of Defense.

Discounts are offered to all active and retired military personnel, as well as members of the following groups:

• Association of the United States Army
• Fleet Reserve Association
• Armed Forces Benefit Association
• Navy League of the United States
• Navy Federal Credit Union
• American Society of Military Comptrollers

Progressive Military Discount: Conclusion

In short, Progressive’s military discount eligibility only applies in Louisiana to comply with the state’s law. That discount is 25 percent and it applies to liability coverage for active-duty personnel based in the state. Besides that, Progressive doesn’t offer a military discount.

Progressive Military Discount: FAQ

Below are a few frequently asked questions about Progressive’s military discount.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.

• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.