Best Cheap Car Insurance for First Responders

Learn more about well-deserved auto insurance first responder discounts.

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What’s the best car insurance for first responders?


A job as a first responder comes with immense responsibility. While others run away from disaster and destruction, you answer the call. As a token of thanks for your hard work, car insurance companies may provide discounted rates that are important to consider when gathering quotes

Here’s how to find cheap car insurance as a first responder.

First responder auto insurance discounts — table of contents:
  1. Firefighters
  2. Police officers
  3. EMTs and paramedics


Firefighter car insurance discounts


Car insurance companies see firefighters as less likely to cause an accident or file a claim while operating a car. Because of this, insurance providers reward firefighters with a special discount. While it varies by location and insurer, firefighters can expect a 3% to 10% discount on their auto policy by providing proof of affiliation with a fire department.

Here are some insurance companies that offer first responder discount programs:


Learn more about how to find an affordable car insurance policy as a firefighter.



Auto insurance discounts for law enforcement officers


Police officers' acute knowledge of the rules of the road makes them prime customers for car insurance companies. Police officers are often rewarded with an occupational insurance discount. Most insurance companies require proof of occupation or proof of membership in a law enforcement organization.

Insurance companies that offer law enforcement coverage discounts:

Learn more about police auto insurance discounts.



Car insurance discounts for EMTs and paramedics


Insurance companies see first responders as low-maintenance customers. The amount and availability of auto insurance discounts for EMTs and paramedics may depend on your location.

Consult your insurance company to check for a first responder insurance discount, if you're insured by any of the below: 

  • Farmers
  • AAA
  • Nationwide
  • California Casualty
Learn more about car insurance for EMTs

Compare car insurance companies today and save.

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Interested in learning more about how to save on auto insurance? Check out our comprehensive guide to car insurance discounts

Ava Lynch
Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.