Many RV insurance companies offer military discounts or special rates for active-duty members, veterans, and their families. Military personnel can save up to 15% with select providers when insuring their recreational vehicles, boats, and power sports. Let’s explore how you can qualify and which companies offer the best savings.
Top RV Insurance Companies for Military Discounts
Some recreational vehicle insurance providers offer specific military discounts, while others provide special rates for military members and their families. Here are some of the leading RV insurance companies for members of the US military, along with their discount options and potential savings.
Best for Extended Customer Service: GEICO
Features:
- Offers military discounts of up to 15% for RV insurance
- Discounts apply to military service, emergency deployment, and affiliations with specific military organizations
- Comprehensive coverage options for Class A, B, and C motorhomes, travel trailers, and fifth wheels
- Additional savings when bundling with other vehicle policies
When requesting an RV insurance quote from GEICO, be sure to mention your military status to ensure you receive all eligible discounts.
Best for All Types of Military Members: Liberty Mutual
Features:
- Provides varied discounted policy options typically saving military members up to 10%
- Coverage extends to RVs, boats, ATVs, and other powersports vehicles
- Specialized protection for full-time RVers
- Military-specific roadside assistance programs
Liberty Mutual tailors their discounts based on your specific military affiliation and the type of recreational vehicle you own.
Best for Affiliated Members: Farmers
Features:
- Savings for active duty military members, active reserves, veterans, and honorably discharged members
- Specialized coverage for seasonal RV use
- Additional options for boats and powersports vehicles
- Disappearing deductibles for claim-free periods
To find out more about your eligibility for military discount insurance with Farmers, you’ll need to contact one of their insurance agents directly.
Top Military-Led Insurance Providers for RVs, Boats, and Powersports
While many providers offer military discounts, some insurance companies exclusively serve military personnel and their families.
Best for Military Families: USAA
Features:
- Created exclusively for active and retired military personnel and their families
- Some of the most competitive RV insurance rates in the industry
- Specialized coverage for full-timers and vacation RV users
- Extends to boats, jet skis, ATVs, and other recreational vehicles
While USAA doesn’t label their pricing as a “military discount,” their exclusive focus on military families often results in superior rates and coverage options tailored to the military lifestyle.
Best for Multiple Types of Insurance: Armed Forces Insurance (AFI)
Features:
- Offers several types of insurance including RV, boat, and powersport coverage
- Available to active-duty members, veterans, and their families
- Storage discounts for seasonal vehicles
- Military deployment coverage pauses
AFI specializes in understanding the unique needs of military personnel who own recreational vehicles, including coverage during deployments and transfers.
State-Specific Military RV Insurance Discounts
In Louisiana and Montana, military discounts are more accessible because they’re legally required:
- Louisiana: All insurance companies must provide a 25% discount on liability policies to active military personnel based in the state, including RV and powersport policies.
- Montana: Members of the Montana National Guard qualify for discounts from insurance providers if they complete a defensive driving course, applicable to RVs and other recreational vehicles.
If you reside in either of these states, be sure to ask about your military discount options when getting an RV insurance quote.
How to Qualify for Military Discounts on Recreational Vehicles
Different insurers require different documentation to verify your eligibility for military discounts. Most RV insurance companies typically request:
- Government-issued photo ID
- Proof of armed forces status (active-duty orders, earning statement, DD-214 discharge document)
- For family members, additional documentation may be required
Who Qualifies for Military RV Insurance Discounts?
Eligibility varies by insurer, but generally includes:
- Active duty service members of all branches
- Veterans and honorably discharged members
- Immediate family members including spouses and children
Some providers may not extend discounts if you were dishonorably discharged or for certain family members when the primary policyholder isn’t an active or former service member.
Potential Savings with Military Discounts
Military personnel can save between 10% and 25% on their RV, boat, and powersport insurance premiums, depending on the provider and state. For the best rates, compare quotes from multiple companies, especially those that specifically serve military members like USAA and AFI.
Additional RV Insurance Discounts to Combine with Military Savings
Many insurance companies allow you to stack other discounts with your military savings:
- Bundle discounts: Combine your RV insurance with auto, home, or boat policies
- Safe driver discounts: Maintain a clean driving record to qualify for additional savings
- Payment discounts: Save by paying your full premium upfront
- Storage discounts: Reduced rates during periods when your RV is not in use
- Safety feature discounts: Savings for RVs with advanced safety features
To maximize your savings, ask about all available discounts when requesting an RV insurance quote. Many military members find that combining their service discount with other savings opportunities can significantly reduce their premium costs for recreational vehicles.
Get Expert Guidance on Military Discounts
While many RV insurance companies offer military discounts, navigating the options can be challenging. Contact Happy Camper today for personalized assistance with all your RV, boat, and powersport insurance needs. Our specialists understand the unique requirements of military personnel and can help you find the perfect coverage at the best possible rate.
Don’t settle for standard policies when you deserve specialized service—reach out to Happy Camper and discover why we’re one of the most trusted RV insurance companies for military members and their families.
