Background: There is growing consideration of sleep disturbances and disorders in early cardiovascular risk, including atrial fibrillation (AF). Obstructive sleep apnea (OSA) confers risk for AF but is highly comorbid with insomnia, another common sleep disorder. The objectives of this investigation were first, to determine the association of insomnia and early incident AF risk and second, to determine if AF onset is earlier among those with insomnia. Methods: This retrospective analysis used electronic health records from a cohort study of U.S. Veterans who were discharged from military service as of October 1, 2001 (i.e., post-9/11) and received Veterans Health Administration (VA) healthcare, 2001-2017. Time-varying, multivariate Cox proportional hazard models were used to examine the independent contribution of insomnia diagnosis to AF incidence while serially adjusting for demographics, lifestyle factors, clinical comorbidities including OSA, psychiatric disorders, and healthcare utilization. Results: Overall, 1,063,723 post-9/11 Veterans (Mage=28.2 years, 12% women) were followed for 10 years on average. There were 4168 cases of AF (0.42/1000 person-years). Insomnia was associated with a 32% greater, adjusted risk of AF (95% CI, 1.21-1.43), and Veterans with insomnia showed AF onset up to two years earlier. Insomnia-AF associations were similar after accounting for healthcare utilization, excluding Veterans with OSA, and among those with a sleep study (adjusted hazard ratios [aHR]: 1.29-1.34). Conclusion: In younger adults, insomnia was independently associated with incident AF even when accounting for OSA. Additional studies should determine if this association differs by sex and if behavioral or pharmacological treatment for insomnia attenuates AF risk.