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Last updated: April 10, 2023

Car Insurance for First Responders

Whether you’re a police officer, firefighter, paramedic or EMT, get the best insurance around.

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Many car insurance companies offer discounts based on your job, lowering rates for teachers, members of the military and federal employees. However, only a few insurers lower rates for first responders, which include firefighters, police officers, paramedics and emergency medical technicians (EMTs). If you’re a first responder, be sure to take advantage of these discounts as they’re very rare.

The Cost of Car Insurance for First Responders

On average, first responders can expect auto insurance costs of $1,820 a year, which is higher than the national average of $1,047.1

Why Is It More Expensive?

It’s not entirely clear why first responders pay more than the rest of the population on average, but it’s a fact that only a few insurance companies offer discounts for drivers in these professions. Here are some additional reasons why certain people may pay more for car insurance:

  • Age: Younger first responders and any driver under age 25 will have higher rates than adults 25 and older as they are more likely to file a claim due to their lack of driving experience.
  • Car make/model: Your vehicle model could make a significant difference, as cars with higher safety ratings are cheaper to insure than cars with low safety ratings.
  • Coverage: Full coverage car insurance is always more expensive than minimum coverage.
  • Driving history: Someone with a bad driving history with tickets, at-fault accidents and points on their record will have higher rates compared to someone with a clean driving record.
  • Gender: Most states allow insurance companies to charge men more than women due to their increased crash rates, which have been proven statistically. However, if you’re located in California, Florida, Hawaii, Massachusetts, Michigan, Ohio, North Carolina or Pennsylvania, your insurer can’t charge you a higher rate based on gender.
  • Credit score: Drivers with bad credit will see higher rates in every state except Massachusetts, Michigan, Hawaii and California.

Rates by Provider

USAA, which covers only military members, veterans and their families, has the lowest car insurance rates for first responders, provided you also have the military connection this provider requires. On average, USAA pricing for first responders is $1,206 per year. On the other end of the spectrum is Infinity, which caters to high-risk drivers, hence its high price of $4,020.

Company Average annual cost of car insurance for first responders
USAA $1,206
GEICO $1,292
State Farm $1,305
Progressive $1,411
Nationwide $1,665
Farmers $1,790
Clearcover $1,956
Allstate $1,980
Elephant $2,004
National General $2,196
Mercury $2,592
State Auto $2,616
Bristol West $2,856
AssuranceAmerica $2,892
Kamper $3,024
Liberty Mutual $3,084
Commonwealth Casualty $3,156
Dairyland $3,300
Freedom National $3,624
The General $3,732
Infinity $4,020


If you’re a high-risk driver due to your bad driving record, age or lack of driving history, which may apply to undocumented immigrants, your coverage options will be limited to expensive insurance companies that cater to high-risk drivers specifically.

Rates by State

First responders in Hawaii have the cheapest car insurance, while they pay the most with a Michigan ZIP code.

State Average annual cost of car insurance for first responders
Alabama $2,436
Arizona $2,616
Arkansas $2,052
California $2,784
Colorado $2,868
Connecticut $2,604
Delaware $3,384
Florida $3,108
Georgia $3,516
Hawaii $1,008
Idaho $1,740
Illinois $2,064
Indiana $1,908
Iowa $2,172
Kansas $2,508
Kentucky $3,252
Louisiana $4,128
Maine $2,448
Maryland $3,216
Massachusetts $2,376
Michigan $5,556
Minnesota $2,172
Mississippi $2,436
Missouri $2,832
Montana $1,740
Nebraska $2,064
Nevada $2,412
New Hampshire $1,824
New Jersey $2,844
New Mexico $2,568
New York $3,840
North Carolina $1,704
North Dakota $1,260
Ohio $1,920
Oklahoma $1,896
Oregon $2,364
Pennsylvania $2,076
Rhode Island $3,432
South Carolina $3,384
South Dakota $2,388
Tennessee $1,956
Texas $3,048
Utah $2,724
Vermont $2,268
Virginia $2,112
Washington $2,856
Washington, D.C. $2,904
West Virginia $3,888
Wisconsin $1,872
Wyoming $2,028

Auto Insurance Discounts for First Responders

Most auto insurance companies don’t offer discounts for first responders, be they police officers, firefighters, paramedics or EMTs. However, here are the insurers that do.

  • American Family: 15 percent off
  • Country Financial: 5 to 10 percent off, but must be a full-time first responder
  • Liberty Mutual: In Massachusetts, 12 percent off of home and auto bundles for members of the Massachusetts Call/Volunteer Firefighters Association
  • Mercury: Discount amount not publicly listed
  • National General: RV discount for current or former emergency response professionals, amount not publicly listed

How First Responders Can Save on Car Insurance

Getting an employment discount isn’t your only option for lowering auto insurance costs. Here are other ways to save.


If you’re a homeowner, bundle your home and auto insurance to save money by taking out policies from the same provider. Bundles can apply to any type of insurance, such as renters, life and more.

Lower Limits

Lowering your limits will decrease your auto insurance premiums but will also mean your insurance company will be less financially responsible for your future losses. It’s a trade-off; saving money now could mean spending more money later.

Increase Deductible

In the same vein, increasing the size of your deductible for collision/comprehensive coverage will also lower premiums but will mean you’ll owe more out of pocket for your physical damages.

Drop Coverages

You can get away with purchasing only the minimum amount of car insurance your state requires, dropping optional coverages like rental car coverage, roadside assistance and new car replacement. No state requires collision or comprehensive coverage and it’s probably not a necessity if you drive an older car.

Ask for More Discounts

Your employment discount is probably not the only discount your car insurance company has available. Ask your agent what other discounts apply to you, like rate cuts for having multiple vehicles or enrolling in online billing.

Enroll in Usage-Based Insurance

Are you a good driver who never drives distracted, drowsy or drunk? Maybe you drive very few miles because you use your work vehicle primarily or work from home. If that’s the case, consider usage-based insurance, in which you’re charged based on either your mileage only or a combination of your mileage and driving behaviors.


With a pay-per-mile insurance company like Metromile, you can save up to $947 over the course of a year. Learn more about Metromile’s pricing.

If you’re part of the 12 percent of United States adults who have a commute less than 10 minutes long, you may be a great candidate for pay-per-mile insurance.2

Necessary Coverages

While dropping coverage may save you money, it could cost you more money down the line if you get into an accident or have your car stolen, for example. Whether you’re a first responder or not, we recommend full coverage insurance, which includes the following:

  • Property damage coverage: Required in every state except New Hampshire and Virginia, the two states that don’t require auto insurance at all, property damage coverage pays for damages you caused outside of your car.
  • Bodily injury liability coverage: Similarly, bodily injury coverage is required in every state that requires car insurance except New Jersey and Florida. It pays for injuries you cause outside of your vehicle.
  • Uninsured/underinsured motorist coverage (UM/UIM): Imagine someone hit your car and was driving without insurance or without high enough limits to cover your losses. UM/UIM would kick in to make you whole again, covering all of your losses. Some states require UM/UIM, but we recommend it even if it’s not required.
  • Comprehensive coverage: Comprehensive coverage pays for your vehicle’s damages if it’s involved in a natural disaster like a hurricane or hail, auto theft or vandalism. No state requires comprehensive coverage or its sister, collision insurance.
  • Collision coverage: Collision insurance pays for your vehicle damages regardless of fault. It’s most commonly applied when you are at fault, although you can also use it if the other party’s property damage liability limit is lower than your total loss.
  • Personal injury protection (PIP) or medical payments coverage (MedPay): Depending on which fault system your state has, PIP or MedPay would cover you and your passengers’ injuries. PIP also covers lost wages and childcare costs.


While we wish more companies offered discounts to first responders, you can still find quality auto insurance that you can afford with the tips above. Learn more in our FAQ section below.

Frequently Asked Questions

Can first responders get USAA?

First responders can only get USAA if they are also current or former military members or qualify due to a familial relationship. Being a first responder on its own will not meet USAA’s eligibility requirements.

What qualifies as a car insurance discount for first responders?

Typically, to qualify for a car insurance discount for first responders, you have to be a current or former full-time firefighter, police officer, EMT or paramedic. Some companies that offer first responder occupational discounts include:

  • American Family
  • Country Financial
  • Liberty Mutual
  • Mercury
  • National General


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  2. Travel Time to Work in the United States: 2019. American Community Survey Reports. (2021, Mar).