Compare best car insurance quotes for military members & veterans for free.

 

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Get quotes from 50+ Canadian providers in 3 minutes.

25,022 Canadians

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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
Olivia
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
DANIEL HELDER
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
Janet
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

Car insurance for military members: what you need to know

Many different groups negotiate discounts for their members with auto insurance companies. The Canadian Armed Forces is no exception. This means active and retired Army, Navy or Air Force members can qualify for military discounts on their auto insurance policies with certain companies. This applies for both Regular or Reserve Force members.

Active military personnel may need to train in different parts of the country or deploy internationally. Shorter-term or pay-as-you-go policies might help these drivers save money. There are also discounts on car insurance for military veterans, as well as for military spouses and dependent children.

To find the best military car insurance coverage policy for you it’s essential to compare rates from multiple companies. LowestRates.ca works with over 50 of Canada’s best insurance providers to help you find the best deal. Continue reading to learn more about military car insurance rates in Canada, or enter your postal code and use our online tool to start comparing quotes.

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See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Customer
Male, 33 years old
Location
ontario
Vehicle
2023 TOYOTA COROLLA LE 4DR
Lowest Rate
$587/mth
$7,042/yr
Average Rate
$861/mth
$10,331/yr
Saved
$274/mth
31.84%
Quote from February 20, 2024
Customer
Male, 24 years old
Location
ontario
Vehicle
2010 MAZDA MAZDA3 GS 4DR
Lowest Rate
$474/mth
$5,691/yr
Average Rate
$680/mth
$8,159/yr
Saved
$206/mth
30.25%
Quote from February 20, 2024
Customer
Male, 31 years old
Location
ontario
Vehicle
2024 HYUNDAI TUCSON TREND 4DR AWD
Lowest Rate
$330/mth
$3,965/yr
Average Rate
$420/mth
$5,045/yr
Saved
$90/mth
21.41%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

 

Your questions about auto insurance for military personnel, answered. 

Does the Canadian military pay for car insurance?

No, the Canadian Armed Forces does not provide car insurance. Members of the military are responsible for purchasing and managing car their personal insurance policies.

What kind of car insurance do members of the Canadian military need?

Canadian military members need the same basic insurance as other drivers, but they may have unique needs. Luckily, different options exist offering discount car insurance for military personnel.

One option for military auto insurance coverage is group insurance. This means members of a particular group, like the Canadian Armed Forces, receive special pricing for purchasing their policy with a particular insurance provider. If group insurance doesn’t interest you, it may be possible to qualify for a military discount with other providers.

Not expecting to drive much within a calendar year due to training or deployment? A pay-as-you-go auto insurance program might be right for you. CAA MyPace, for instance, charges a base rate for the first 1,000 kilometres driven, with additional fees for every 1,000 kilometres driven to a maximum of 12,000. This option can be suitable for infrequent drivers. If you drive more than 12,000 kilometres annually you may get better savings by taking out a regular policy.

If you’re going to be stationed in another province for a few months of training, you likely won’t need to change insurers. However, if you’re planning on driving longer distances, you should let your insurance company know.

In general, before you relocate, even if it’s just temporary, be sure to inform your insurance provider.

The best way to find the cheapest military car insurance for you is to compare rates. Shopping around for military discount car insurance companies using LowestRates.ca offers you dozens of options to find the perfect fit for your auto insurance needs.

Who qualifies for discounted military car insurance policy?

There are a few groups that qualify for military car insurance rates in Canada.

Active members of the Canadian Armed Forces qualify for military car insurance discounts, as do veterans.

Military families can also receive discounts. Military car insurance companies offer savings for spouses and dependent children who live at home. Car insurance for military families can result in significant savings each year for your household. By getting military family car insurance from the same insurer instead of insuring the active member and their family members through separate companies, there are extra savings to unlock.

Retired military car insurance shoppers can also qualify for insurance discounts. Even with companies that don’t specifically offer a military discount, drivers may receive significant savings because of different affinity or alumni discounts or memberships they qualify for.

With so many insurance options, it’s necessary to shop around to get the best auto insurance for military members. By using our LowestRates.ca online tool, you can receive quotes within minutes from more than 50 companies.

How can members of the military save on car insurance?

There are several ways military personnel can save on car insurance. When awaiting deployment, alert your car insurance company and let them know that you won’t be using your vehicle. Most car insurance policies run for 12 months, which can turn into a problem when you’ll be away from home for a significant amount of time. You don't want to pay for insurance you won't need to use.

While deployed, you might not be able to drive for several months at a time. In this scenario, your safest bet is to call your insurer: explain your situation and tell them that you intend to keep your car parked. The reduction in kilometers driven daily will lower your premium significantly. That said, you may want to add comprehensive insurance, which will cover you in case your car is damaged while it’s parked or in storage. You might also look into six-month policies or pay-as-you-go insurance depending on your personal needs.

In some ways getting the best military car insurance rates isn’t much different from getting them for other drivers. Keeping a clean driving record, avoiding extra insurance coverage which you may not need and choosing a vehicle with an age, make and model you can afford to insure will help get you the best base rate possible before applying discounts.

Looking for the best military car insurance at the best price? Your easiest way to save on your auto insurance policy is to compare different military friendly car insurance options using a free online tool like LowestRates.ca.

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