Best Car Insurance for First Responders

Use The Zebra to get the best cheap car insurance for first responders from GEICO, Progressive, Nationwide, Liberty Mutual and Allstate (+100 other companies)

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By Ava Lynch

Updated December 11, 2024

Reviewed By Beth Swanson

Edited By Renata Balasco

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Best car insurance companies for first responders
Average first responder rates
Ways to save
FAQs

What’s the best car insurance for first responders?

Insurance companies know that a job as a first responder comes with immense responsibility— that's why many provide discounts and perks for auto insurance for people in this field. Farmers, Liberty Mutual, Country Financial and California Casualty are the best car insurance companies for first responders, offering discounts for firefighters, law enforcement, EMTs and more.

Below is how you can find cheap car insurance as a first responder.

Jump to

Best car insurance companies for first responders
Average first responder rates
Ways to save
FAQs

Farmers Insurance

At Farmers, certain oocupations can earn you a discount. Police officers and firefighters qualify for an 8% discount on car insurance (teachers and doctors do, too!).

Read our review of Farmers Insurance.

Liberty Mutual

Members of the Fraternal Order of Police and of the International Association of Firefighters can receive up to a 12% discount on home and auto insurance with Liberty Mutual. Liberty Mutual does state that discount amounts vary by state and that they are not able to offer this discount in CA, NY, HI, MT, WY, ND, SD, AK, or NC.

Read our review of Liberty Mutual.

Country Financial

Serving 19 states, Country Financial rewards first responders— including police, firefighters, EMS, and paramedics— with a 5-10% discount on car insurance. Like Liberty Mutual, they disclose that exact discounts vary by state and are not available in Arkansas, Georgia or Tennessee.

California Casualty

California Casualty offers many benefits for firefighters and EMS/rescue workers specifically. First responders receive special offers on auto, home, renters insurance and more.

Read our review of California Casualty.

First responder auto insurance benefits at California Casualty:

Extra $500 of coverage for non-electronic personal property damaged in a collision or stolen from the vehicle

Offers coverage for custom furnishings, lights, and sirens on pickups and vans

If your car is damaged or vandalized while parked on or within 500 feet of the fire station where you work, your deductible will be reduced.

Pet injury coverage offers $1,000 toward veterinary expenses if your pet is injured in a car accident while in your vehicle

Auto insurance rates for first responders

Occupation is not often a rating factor in car insurance, but sometimes insurance companies consider your job status and type. On average, firefighters pay for a 6-month auto insurance policy, while members of law enforcement pay $697. See the table below to compare average premiums in each common occupation.

Have more questions?

We have created handy guides to car insurance for each of the first responder occupations we discuss here.

Average 6-month rates by occupation

Filter by:

Occupation

Updating data...

Company	Avg. 6 Mo. Premium
Travelers	$659
American Family	$784
Farmers	$902
GEICO	$807
Progressive	$840
Allstate	$1,255
State Farm	$811
USAA	$697

Source: The Zebra

The Zebra’s auto insurance data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Do I need to prove my occupation to qualify for the first responder discount?

We asked one of our expert insurance advisors for their thoughts on this topic. Here's what The Zebra's Blake Trew had to say about proof of occupation:

Agent insight:

"While an insurance company has the right to request proof of any discount qualification, it's not often that they make documentation of your occupation a requirement. If your insurance company is asking for proof to enroll in a first responder discount, a pay stub, credentials, or other identification card should suffice."

Blake Trew — Sales Manager at The Zebra

How to save on car insurance as a first responder

While the insurance companies listed here are a great place to start, there are other ways first responders can find the lowest premiums on auto insurance. An important note: some more insurance companies may offer a first responder discount but do not advertise it— your best bet is to speak with an insurance agent to confirm discount availability.

Compare quotes

Comparing quotes from multiple companies is the best way to guarantee you get the best deal on your car insurance. Shopping around at every renewal period is also good practice.

Bundle your policies

Most insurance companies have multi-policy discounts that apply to your policy when you bundle two or more insurance products under one provider.

Consider coverages, deductibles, and discounts

Altering your policy limits, forgoing unused coverage options and increasing your deductible can make car insurance rates more affordable.

Frequently asked questions

Why do insurance companies give discounts to first responders?

Insurance companies see first responders as low-maintenance customers. Police officers' acute knowledge of the rules of the road makes them prime customers for car insurance companies, and they see firefighters as less likely to cause an accident or file a claim while operating a car.

Can first responders get USAA coverage?

Unfortunately, first responders do not qualify for USAA based on this occupation alone. USAA specifically caters to members of the military and their families. If you are a first responder with a military background, you may explore coverage at USAA.

What is considered a first responder for discounts?

First responders refer to police officers, sherriffs, firefighters, correctional officers, EMS/EMTs or paramedics.^[1] Exact specifications may vary by insurer.

Compare car insurance quotes in just a few minutes.

Sources:

First Responder FAQ. Texas Department of Insurance

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 editorial 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.