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Car Insurance for First Responders (2022) - Insurify

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Jennifer Pendell

By: Jennifer Pendell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Whether you’re an EMT, a paid or volunteer firefighter, or a law enforcement officer, first responders are often called on to make sacrifices. One place you shouldn’t have to sacrifice is on your auto policy. In fact, serving your community can actually help you find policy discounts.

First responders deserve affordable car insurance. Insurify can help with that by making it easy to compare policies and auto insurance discounts. Find the best car insurance policy with Insurify’s easy and free-to-use car insurance comparison tool.

Quick Facts

  • First responders can find car insurance coverage for an average of $204 per month.
  • The cheapest car insurance quote we found for first responders is from Mile Auto, at $139 per month.
  • Find occupational discounts from insurers you can trust by comparing auto insurance rates with Insurify.

Cheapest Car Insurance for First Responders

How can first responders save on car insurance?

Many car insurance companies give first responders discounts on their car insurance coverage as a thank you for their service.

The cost of insurance products can vary widely, even with special discounts for police officers, sheriff’s deputies, EMS personnel, firefighters, and other fire department members. We compared quotes from insurance providers across the nation and found these average quotes for first responder car insurance.

Insurance CompanyAverage Monthly Quote
Travelers$158
Clearcover$163
Elephant$167
National General$183
Nationwide$202
Mercury$216
State Auto$218
Bristol West$238
AssuranceAmerica$241
Kemper$252
Liberty Mutual$257
Commonwealth Casualty$263
Dairyland$275
Freedom National$302
The General$311
Infinity$335
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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How much does car insurance cost for first responders?

Our database at Insurify shows an average monthly car insurance premium of $204 per month for first responders. But insurance premiums vary between companies. Your driving record, credit score, and coverage options will all affect your auto insurance quotes.

Best First Responder Car Insurance Discounts

How can first responders save on car insurance?

Many car insurance companies give first responders discounts on their car insurance coverage as a thank you for their service.

Because of your job, you may qualify for insurance discounts that are targeted at first responders. For example, California Casualty Insurance offers special discounts for firefighters, including reduced rates and a reduced deductible if your car is hit or vandalized while you’re at work.

Nationwide has car insurance for law enforcement and corrections officers, but you’ll have to talk to an insurance agent about specific savings and discounts. Country Financial offers a 5–10 percent discount on car insurance for full-time firefighters, police officers, EMTs, and paramedics.

See More: Car Insurance Quotes

Cheapest States for First Responder Car Insurance

The cost of car insurance varies widely from state to state, even with first responder discounts factored in. Here’s what first responders can expect to pay in each state, from $84 in Hawaii to $463 in Michigan.

Insurance CompanyAverage Monthly Quote
Hawaii$84
North Dakota$105
North Carolina$142
Idaho$145
Montana$145
New Hampshire$152
Wisconsin$156
Oklahoma$158
Indiana$159
Ohio$160
Tennessee$163
Wyoming$169
Arkansas$171
Illinois$172
Nebraska$172
Pennsylvania$173
Virginia$176
Iowa$181
Minnesota$181
Vermont$189
Oregon$197
Massachusetts$198
South Dakota$199
Nevada$201
Alabama$203
Mississippi$203
Maine$204
Kansas$209
New Mexico$214
Connecticut$217
Arizona$218
Utah$227
California$232
Missouri$236
New Jersey$237
Washington$238
Colorado$239
Washington, D.C.$242
Texas$254
Florida$259
Maryland$268
Kentucky$271
Delaware$282
South Carolina$282
Rhode Island$286
Georgia$293
New York$320
West Virginia$324
Louisiana$344
Michigan$463
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Tips for Cheaper Car Insurance for First Responders

Need more savings than the first responder discount can get you? Don’t worry—there are many ways to save money on your car insurance policy. Try these tips to lower the cost of your car insurance.

Find Other Discounts

You probably qualify for other car insurance discounts, especially if you have a history of safe driving. People who present a lower risk behind the wheel qualify for all sorts of safe driver discounts. If you belong to any affinity groups, including job-related ones, you may find that those associations have partnerships with insurance companies for extra savings.

Understand Your Options

Whether you opt for liability insurance that just meets your state’s requirements or full-coverage car insurance, there are ways to save. One is by accepting a higher deductible. However, this means you’ll pay more out of pocket if you’re in an accident, so it’s not a decision to make lightly.

Bundle Your Policies

Nearly every insurance company incentivizes keeping your policies in the same place by offering bundling discounts to people who have their car insurance in the same place as their homeowners, renters, or life insurance. Check with insurance companies to see if they offer this discount.

Shop Around for Car Insurance

Comparing quotes from different companies is the best way to find the cheapest rates. Get free quotes with Insurify to simplify the comparison process.

See More: Best and Worst Sites to Compare Car Insurance

The Best Way to Compare and Get Cheaper Car Insurance

Shopping for car insurance as a first responder doesn’t have to be a hassle. Use Insurify to compare insurance quotes from top companies in minutes. Unlock discounts and set your desired coverage levels all in one place, for free.

Frequently Asked Questions

  • Country Financial, Nationwide, California Casualty, Farmers, and Liberty Mutual are just a few of the insurance companies offering discounts to first responders.

  • Looking for first responder discounts will help keep costs low. Sometimes, insurance companies don’t list all their discounts online, so if you don’t see a first responder discount listed, just ask.

  • Comparing quotes from different insurers is the best way to find the cheapest insurance. Insurify can help with that. This comparison tool makes research easy and only requires a few minutes of your time.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jennifer Pendell
Jennifer Pendell

Insurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.

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