Best Insurance Options for Soldiers in 2025
Why Insurance Matters for Soldiers
Life in the military comes with risks, PCS moves, deployments, training injuries, unpredictable schedules. The right insurance doesn’t just protect you; it gives peace of mind so you can focus on the mission. From car and renters insurance to life and health add-ons, soldiers have unique needs that civilian plans don’t always cover.
In this guide, I’ll break down the best insurance options for soldiers in 2025, focusing on providers that understand military life.
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This article is for educational purposes only and is not financial advice. Always do your own research or speak with a licensed advisor before making investment decisions.
What to Look for in Insurance as a Soldier
Military-friendly policies (no penalties for deployments or PCS moves)
Discounts for service members
Flexible payment options for irregular schedules
Strong customer service across time zones
Comprehensive coverage at fair prices
Best Insurance Options for Soldiers
1. USAA
Best for: Soldiers who want a trusted, all-in-one provider built exclusively for the military.
Built for military members, offering auto, home, renters, and life insurance.
Known for excellent customer service and military-first policies.
2. Navy Federal (Insurance Partners)
Best for: Soldiers who already bank with NFCU and want convenient access to insurance options.
Offers auto, home, and life insurance through partnerships with trusted providers.
Great benefits for existing NFCU members.
3. GEICO (Military Discounts)
Best for: Soldiers looking for big savings on auto insurance with military discounts.
Long history of offering military discounts on auto insurance.
24/7 support, with deployment and storage protections for service members.
4. Armed Forces Insurance (AFI)
Best for: Soldiers who want a smaller, military-focused company with personalized service.
Specializes in insurance for active duty, veterans, and their families.
Offers auto, home, renters, and umbrella coverage.
5. Prudential (SGLI/VGLI Partner)
Best for: Soldiers who need life insurance coverage during service or when transitioning to civilian life.
Provides life insurance coverage through the Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI).
Backed by the U.S. Department of Veterans Affairs.
My Recommendation
Start with USAA or GEICO for auto and renters coverage. They consistently deliver strong customer service and competitive pricing for military families. For life insurance, make sure you’re enrolled in SGLI through the Army, then consider Prudential/VGLI if you want to extend coverage after service.
The key is to review your insurance at every PCS or major life change. What worked at your first duty station might not fit once you’ve got a spouse, kids, or a mortgage.
Other Recommended Tools for Soldiers
More to explore:
Final Thoughts & Next Step
Insurance isn’t exciting, but it’s one of the best ways to protect your financial foundation while you serve. Get your auto, renters, and life coverage squared away so you can focus on building wealth with confidence.
Want the complete roadmap from your first $56K to $3M?
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The information provided by Wealth While You Serve is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult a qualified advisor before making financial decisions. Some links on this site are affiliate links, which means we may earn a small commission at no extra cost to you. This helps us continue offering free resources for military members and their families.
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