Car Insurance for First Responders (2023)

Whether you’re an EMT, a firefighter, or a law enforcement officer, as a first responder, you’re often called on to make sacrifices. One place you shouldn’t have to sacrifice is your auto policy. In fact, serving your community can even help you get discounts on your car insurance.

Cheapest car insurance for first responders

The cost of insurance can vary widely, even with special discounts for police officers, sheriff’s deputies, EMS personnel, firefighters, and others. Below, you’ll find average quotes for first responder car insurance from some of the best car insurance companies across the country. Your exact cost will vary based on factors like location, driving history, and experience.

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Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this data, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

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.

Car insurance discounts for first responders

Many car insurance companies give first responders discounts on car insurance coverage as a thank you for their service. Below, you’ll find a few examples of discounts offered by various insurers across the country, but there are many more. Talk to an insurance agent about what discounts you may qualify for.

Car insurance discounts for firefighters

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. Liberty Mutual also offers discounts to firefighters who can prove affiliation with a fire department.

Car insurance discounts for EMTs/paramedics

COUNTRY Financial offers a 5% to 10% discount on car insurance for full-time EMTs, paramedics, firefighters, and police officers. Farmers also has discounts for EMTs and paramedics, though the amount may vary based on your location.

Car insurance discounts for police officers

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. Call your current insurance company to learn if it offers any discounts for police officers.

Other discounts to consider

You probably also qualify for other car insurance discounts, especially if you have a history of safe driving. Drivers 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.

First responder car insurance cost by state

The cost of car insurance varies widely from state to state, even considering first responder discounts. Of the 22 states Insurify analyzed, first responders in North Carolina pay the least, with an average monthly rate of $119, while first responders in New York pay the most, with an average monthly rate of $388.

Your exact rate will likely be a little higher or lower depending on things like age and experience.

Tips for getting cheaper car insurance

If you need more savings than the first responder discount can get you, don’t worry; you have 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, you can find 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.

Compare quotes

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.

Find Car Insurance for First Responders

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Based on 3,806+ reviews

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