Car Insurance for First Responders (2023)

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 help you get discounts on your insurance.

Cheapest Car Insurance for First Responders

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

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

Because of your job, you may qualify for insurance discounts 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% to 10% discount on car insurance for full-time firefighters, police officers, EMTs, and paramedics.
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First Responder Car Insurance by State

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.

Tips for Cheaper Car Insurance for First Responders

If you 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 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 to accept 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 drivers to keep their policies with them by offering bundling discounts for car insurance and homeowners, renters, or life insurance. Check with insurance companies to see if they offer this discount.

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. Compare insurance quotes from top companies to unlock discounts and find your desired coverage levels.