Auto Insurance for Coast Guard

If you are looking for auto insurance as a member of the Coast Guard, you can expect to pay just over $1,200 a year for full coverage. Coast Guard members may be eligible to receive a military discount, along with other potential discounts, to lower auto insurance rates for Coast Guard members. You can also consider suspending your auto insurance if you are deployed with the Coast Guard.

UPDATED: Jul 17, 2021Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 17, 2021

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A Concise Overview

  • Coast Guard members can expect to pay around $1,200 annually for full coverage
  • Many companies will extend discounts to Coast Guard and other military members
  • If you are deployed, you may be able to suspend your auto insurance until you return to the U.S.

If you’re looking to buy Coast Guard auto insurance, or if you’re curious about how to switch car insurance carriers, rest assured you have plenty of options.

Coast Guard car insurance — and military car insurance in general — is available from countless insurance providers.

Your options for car insurance depend more on what you want than on your occupation, though working for the Coast Guard could potentially impact your car insurance rates.

There are certain insurance companies that offer auto insurance or discounts on coverage specifically to people in the military, like USAA car insurance.

But you also have the option of getting coverage with another provider if their rates or options are better for you.

If you’re looking for affordable auto insurance for Coast Guard members, enter your ZIP code into our free tool above to get started.

Do Coast Guard members need auto insurance?

Military personnel — including members of the Coast Guard — must meet the same minimum car insurance requirements as everyone else. Being in the Coast Guard does not get you a free pass on car insurance.

The types of coverage and how much coverage you need to meet the minimum legal requirements depend on where you live. You can check with your state’s department of motor vehicles to learn the specific amounts.

In addition to the minimum requirements, you may have to carry collision and comprehensive coverage if you finance your car.

You may also have special insurance considerations because you’re in the Coast Guard. These include:

  • Permanant change of station orders
  • Deployment
  • Dependence from spouse and/or children
  • Relocations

With this in mind, it’s important to choose an insurance company that will work with you when it comes to changing your address and account information, updating personal details, and even suspending your account if you’re deployed overseas.

If you mention to your car insurance carrier that you will soon be deployed, they may lower your car insurance rates or suspend your account altogether until you return.

You also have the option of purchasing temporary auto insurance coverage if that would work better for you.

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How do Coast Guard members get cheap auto insurance?

The standard car insurance for members of the Coast Guard typically costs around $1,200 a year. Your best bet for finding cheap auto insurance rates for Coast Guard members is to shop around for prices from multiple companies.

While rates fluctuate from one insurance company to the next, you can also check to see if the company you’re considering offers an additional discount for serving in the military.

Many companies offer military discounts, and these can help to lower your rates by hundreds of dollars.

In addition to a military discount, companies offer many other discounts that you may be eligible for, including:

  • Low mileage
  • Paperless
  • Bundled
  • Homeowner
  • Paid-in-full
  • Accident-free
  • New car
  • Multi-car
  • Safe driver

As you search for Coast Guard car insurance, be sure to check with each company to see if they include discounts that would help you find even cheaper car insurance rates.

What insurance does the Coast Guard have?

As a member of the U.S. Coast Guard, you have access to many benefits and incentives.

As far as insurance is concerned, you may be eligible to receive health, dental, and vision insurance — along with life insurance — through the U.S. military. Other benefits include paid time off, tuition assistance, competitive pay, and retirement options.

The Coast Guard does not offer members car insurance or insurance products other than those listed above. If you are a member of the Coast Guard, it is your responsibility to acquire these yourself.

How can I find Coast Guard auto insurance?

While there is not a specific Coast Guard auto insurance company, there are many companies that offer car insurance to Coast Guard members. Your best bet is to shop around online for coverage.

When you’re searching for car insurance, be sure to check and see which companies offer you a discount for serving in the military. And it’s always a good idea to ask whether you can suspend your account, especially if you know you’ll be deployed.

If you’re searching for auto insurance quotes for Coast Guard members, enter your ZIP code for below to see quotes from multiple companies in your area for free.

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