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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. Discounts for firefighters
  2. Discounts for police officers
  3. Discounts for 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.

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

Insurance companies that have first responder discount programs

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.

Learn more about police auto insurance discounts.

Insurance companies that offer discounts for law enforcement

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.

Learn more about car insurance for EMTs

Insured by these companies? Check for a first responder discount.

Compare car insurance quotes in just a few minutes.

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Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.