Best Car Insurance for First Responders
- First responders pay an average of $1,252 for a 6-month auto insurance policy.
- Occupation typically has little effect on car insurance rating, though some companies offer special perks.
- Liberty Mutual, Country Financial and California Casualty offer discounts between 5-15% to 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)
Why you can trust The Zebra
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
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. 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.
Country Financial
Serving 19 states, Country Financial rewards first responders— including police, firefighters, EMS, and paramedics— with a 5-10% discount on car insurance.
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.
| Extra $500 of coverage for non-electronic personal property damaged in a collision or stolen from the vehicle |
| Offers an extra $2,000 of 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. |
| If a firefighter dies in the line of duty, their spouse or partner won’t have to pay premiums for the rest of the current policy year or the following policy year. |
Compare quotes and find savings on car insurance as a first responder.
How much is auto insurance 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, first responders pay $1,252 for a 6-month auto insurance policy.[3] See the table below to compare average premiums from top insurance companies.
Updating data...
| Company | Avg. 6 Mo. Premium |
|---|---|
| Travelers | $874 |
| USAA | $921 |
| GEICO | $1,021 |
| Progressive | $1,083 |
| Cal Casualty | $1,117 |
| Nationwide | $1,272 |
| State Farm | $1,336 |
| Farmers | $1,390 |
| Country | $1,447 |
| Allstate | $1,733 |
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.
"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.
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.
Most insurance companies have multi-policy discounts that apply to your policy when you bundle two or more insurance products under one provider.
Altering your policy limits, forgoing unused coverage options and increasing your deductible can make car insurance rates more affordable.
Accessing your first responder perks and discounts:
- To make the most of potential savings, mention that you’re a first responder when comparing quotes and applying for a policy.
- Be ready to verify your eligibility. Insurance companies may have specific requirements for first responder discounts and may ask for proof of employment.
- Ask about other discounts, too. You may qualify for additional savings that can help lower your premium even more
Insider knowledge, trusted guidance.
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
With a 10-year career in the insurance industry, Jordan brings a wealth of experience in property and casualty insurance. He has experience in both c…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Health and Variable Annuities
- 10+ insurance experience
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Frequently asked questions
Compare car insurance quotes in just a few minutes.
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Insurance Archives. Fraternal Order of Police
Insurance Archives. Fraternal Order of Police
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What benefits and discounts are available to IAFF members? IAFF.org
What benefits and discounts are available to IAFF members? IAFF.org
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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First Responder FAQ. Texas Department of Insurance
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.
