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Armed Forces Auto Insurance Review

Sunday, 15 December 2013 19:02

Armed Forces auto insurance is sold through Armed Forces Insurance, a well-established and financially stable insurance company that specializes in selling insurance products and a few financial products to the military. It is consistently rated highly for its financial stability, however there is relatively little information about its customer service practices online, most likely due to the fact that it is not one of the largest insurance companies in the United States. It is an alternative choice to USAA and other insurance companies that restrict their membership only to the military and their family members.

Company Background Information

Armed Forces Insurance was founded in 1887 to serve the financial needs of the military and has offered several different insurance products to the military since this time including renters, homeowners, auto and other types. The company is staffed primarily by former military service members, and it is a mutual insurance company that is owned by the policyholders. The company has been in business for over a century and is has extensive experience at tailoring its insurance products and financial services to serve the needs of the military, and is one of the main alternatives to the USAA for military service members and others who may qualify for the insurance. The company received an A- rating in the most recent A.M. Best review for its financial strength and stability over time. It has not been rated by J.D. Power for its customer service.

Pros of Armed Forces Auto Insurance

  • Offers several insurance products for military service members
  • May offer unique discounts

Cons of Armed Forces Auto Insurance

  • Limitations on eligibility for AFI services (must be a military service member or related to one)


Discounts are not listed in detail on the Armed Forces website, but more information about discounts can be found by calling the company.

Types of Insurance Offered

A large range of auto and other insurance products are offered including home, renter, watercraft, motor home, flood, umbrella, condo, valuable vehicle, collector vehicle, business and other insurance. For auto coverage, liability insurance is offered, as well as personal injury protection, medical payments, collision coverage, comprehensive, uninsured motorist, and rental vehicle reimbursement. Optional emergency road service can be purchased as well. Some financial services such as loan services are offered to military members.


The Armed Forces website is well designed but lacks extensive details on the auto insurance coverage offered. Interested customers can get a quote and view information about member eligibility on the website. Current customers can manage their policy from the website, and there is a small resources section. Claims cannot be filed from the website; customers have to call the company to file claims. Interested customers have to prove their current service status or relationship to a military service member in order to qualify for a quote.

Customer Reviews

There are not many reviews of Armed Forces online, but the few reviews mentioned some negative experiences with rate increases. Due to the lack of independent review information it is difficult to judge the quality of the company’s customer service.

Armed Forces


Armed Forces is definitely worth considering for military service members, as there may be some unique benefits and discounts available to them that other standard auto insurance companies would not be able to offer. Due to the restriction on eligibility, those who are not in the military or otherwise ineligible should look for auto insurance from other providers. If you happen to be looking for auto insurance now you can get live quotes from several providers and compare prices and coverage just by entering your zip code on this page.

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