Armed Forces Auto Insurance Review (2022)

Armed Forces auto Insurance is a reciprocal exchange insurance company. Each insured member contributes to the exchange, thus lowering overall premiums for policyholders.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

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Company Details
Address: 550 Eisenhower Road
City: Leavenworth
State: KS
ZIP Code: 66048
Phone Number: 800-495-8234
Year Founded: 1887
AM Best Rating: B++

Things to remember...

  • Armed Forces Insurance is a reciprocal exchange insurance company
  • Armed Forces is led by former military leaders who understand the many challenges that armed services personnel face being away from home for extended periods of time
  • Armed Forces Insurance has a BBB rating of A+ with only two registered complaints in the past three years

Armed Forces Insurance is an insurance company with a focus on former and current military personnel and is one of the best insurance providers for veterans and military personnel.

Armed Forces is run by former military leaders who understand the many challenges that armed services personnel face being away from home for extended periods of time.

More: GM Auto Insurance Review (2022)

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History of Armed Forces Insurance

Armed Forces Insurance is a reciprocal exchange insurance company. Each insured person is actually a part-owner, of sorts, of the insurance company, during the time they carry insurance there.

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The insured person makes a deposit into the exchange and that money is managed by an attorney in fact. The money is invested and hopefully grows to provide protection for all of its members.

The downside to this type of insurance is that you are liable for any lawsuits that may come your way.

A major benefit of this type of insurance is that the insurance premiums are much more affordable and allows for some flexibility for the insurance holder, such as reducing coverage when the driver is overseas or on an extended tour of duty.

More: The Zebra Auto Insurance Review (2022)


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Armed Forces Reviews

Armed Forces received good reviews for their customer service and their products. In addition, they have a BBB rating of A+ and have had only two registered complaints with the BBB in the past three years.

In fact, a search online only yielded two total complaints against the company while we found dozens of compliments.

More: NerdWallet Auto Insurance Review (2022 Guide)

The two complaints were in regards to a breach of contract. In one case, the person complained that even his state’s Department of Insurance wouldn’t help him, which suggests that he didn’t have a legal complaint.

The most common compliment paid to the Armed Forces Insurance Company is that they have an excellent and friendly customer service department. Other compliments were in regards to their quick claim payments as well as their inexpensive prices.

Armed Forces Careers

At the time of this posting, Armed Forces Insurance did not have any positions available with the company, although they are accepting applications for potential future openings.

In order to become part of the Armed Forces Insurance team, you do have to be a former military or be a former government worker. Essentially, if you qualify for their insurance, then you have the basic qualifications to work for the company.

Armed Forces Agents

Armed Forces Insurance has an interesting way of issuing their insurance policies. They have their own licensed agents, however, these agents aren’t licensed in every state, although the company is.

When you apply for auto insurance through a state where there are no agents licensed, instead of sending you to an independent agent, Armed Forces Insurance sells their policies through Progressive Insurance.

You will find the Progressive options in 37 of the 50 states and in Washington, DC.

You will find that the only states that Armed Forces Insurance sells auto insurance under their own name in California and New York, despite the fact that they have a physical location in Leavenworth, KS.

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Armed Forces Customer Services

Armed Forces Insurance has somewhat standard business hours for their customer service department, which is Monday through Friday 7:30 a.m. to 6:30 p.m. CST. After that, you will have to leave a message if you want to make any changes to your policy.

On their website, you will find that you can also directly email specific areas if you have a specific subject you want to talk about, such as sales, customer service, billing, claims or employment.

Their claims service is also based on the above mentioned hours. In addition, you cannot file a claim online, you do have to submit it to a representative via the phone.

How do I get a quote from Armed Forces Auto Insurance?

You can get a quick quote from Armed Forces Insurance for most of their products.

The quote process is similar to those that you find on more general quote tools, however, you do have to provide proof that you are eligible for their insurance products as well before you can get a quote.

You will have to provide the name of the person who qualifies for the policy, their branch of service, their status as well as their rank for the company to check on. Once this is entered, then you can move on to your quote.

If you don’t qualify for this type of insurance, or if you are curious if their rates are the lowest for your situation, then you should take the time to get a quote from a less specific quote tool so that you can compare auto insurance quotes from multiple insurance companies.

Enter your ZIP code below and start comparing your auto insurance quotes right now!

for Armed Forces Insurance

3.71 (16 reviews)
January 7, 2021



good company but there is a lot better than this one so I'd always prefer to choose another one 7/10
August 6, 2018


Getting better benefits

My experience was a great one, having been given true quality. However more benefits was needed as other companies were offering more.
June 14, 2018


Very good

pretty good, little to no issues. I've only had to deal with problems 2 times in 4 years, while with my other company, it was 4 times in one year.
February 11, 2018


Pretty good

i believe that this is definitely a pretty good insurance however it was hard to communicate and stuff
August 28, 2017


Very Good!

My experience has been very wonderful, my insurance broker is like family. When i first started i thought it would be way too expensive to get insurance on my car. As i talked with my broker we looked at my income and found a payment plan that was the best for me and my situation. Love this agency!
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