Car insurance for first responders

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

A first responder can be either a firefighter, police officer, EMT or paramedic. Though each job comes with an element of risk, insurance companies may offer discounts to first responders as a show of thanks for doing what they do. If you are a first responder and are shopping for car insurance, consider looking for insurance companies that give special savings to first responders. You may be able to find a lower premium if you do.

The best car insurance for first responders

As a first responder you know that life can turn on a dime. Fortunately, when it comes to insurance on the job, that is your employer’s responsibility. It is not your job to insure any work vehicle that you operate (even if you park it at home some nights). When it comes to your personal insurance, you will likely benefit from comparing quotes from multiple providers to find the best rate and coverage.

While shopping for the best car insurance, you may be able to find companies that offer discounts to first responder car insurance in your area. Oftentimes, companies may offer both lower rates and discounts to first responders because people in these professions may pose a lower risk. Having both emergency driving training and a first hand knowledge of what happens to drivers who drive foolishly, first responders are considered less likely to file a claim. Of course, the rate each first responder receives will vary on a number of additional personal factors.

Discounts for first responders

Because of your occupation, you may qualify for special discounts as a first responder. Below are three examples of companies that offer special car insurance savings for first responders. Keep in mind that it is not an exhaustive list. Some companies may offer first responder discounts but do not advertise it, so you will want to speak with an agent about any possible savings to determine how you might be impacted.

Occupational discount offered Provider Qualifications Discount amount
Firefighter car insurance California Casualty Insurance Must be a firefighter with an approved agency or employer. Reduced deductible if your car is hit or vandalized while at work
$1,000 in pet coverage
$500 coverage for non-electronic personal property
Reduced rates
Family assist with premiums if you die while on duty
Police officer car insurance Nationwide Must be a law enforcement or corrections officer. Save on a home, auto, or boat policy as a police officer (discounts vary).
Supplement your life insurance policy with $100,000 for as low as $22 a month.
Coverage for theft and damage to your personal guns.
$25,000 in identity theft protection.
EMT, Paramedic car insurance Farmers Must be either employed as an EMT/ Paramedic or retired. Speak with an agent about specific savings and discounts for active and retired EMTs and Paramedics.

Frequently asked questions

Is car insurance more expensive for first responders?

Auto insurance for first responders may be cheaper than it is for other drivers (assuming the responder has a clean driving record). The amount the first responder saves varies on a lot of factors in addition to his or her occupation. These include such things as:

  • Age
  • Car make and model
  • Gender
  • Driving history
  • Deductible
  • Coverage level
  • Insurance company
  • Discounts
  • ZIP code

Any of the above factors have the ability to greatly increase or decrease one’s car insurance premium, regardless of whether or not they are a first responder or not. However, first responders may be more likely to exhibit safe driving habits, or opt for safer model vehicles, which can result in lower insurance costs overall.

How can first responders save on car insurance?

As a first responder, the best way you can save money is by finding companies that offer discounts for your profession — be it firefighter, police officer, EMT or paramedic. Speak with an agent and get a quote, making sure that every discount type you are eligible for is factored in. Next, you will want to also get a quote from several other reputable insurance companies. It is quite possible you will get a lower rate from a company that does not necessarily offer any discounts for someone in your profession.

After you have shopped around and compared quotes, there are still a few things you can do to lower your car insurance. These include:

  • Driving a modest vehicle: Older cars may cost less to insure because they do not cost as much to replace. A modest sedan can be cheaper to insure than a sports car or luxury model due to the more affordable cost of repairs. Driving a vehicle with a high safety rating may also result in extra savings or lower premiums.
  • Increase your deductible: A higher deductible will lower your monthly costs, particularly with collision coverage. Just remember that you are assuming more financial responsibility in the event of a claim. Most companies offer a variety of deductible options, so discuss options with an agent to see what works best for your budget and coverage needs.
  • Taking advantage of discounts: Many drivers assume their insurance company automatically applies the discounts they are eligible for to their premium. Though a company may apply some discounts (such as auto-pay and safe driver), it is important to ask about any you might qualify for. Aside from occupational discounts, you could leverage additional savings based on driving habits or even how you choose to pay your premium.

If I respond to a situation while off duty and get into an accident, which insurance company should I file the claim with?

This depends on your employer’s policy. Speak with an HR representative about its insurance policies for off-duty good samaritan acts. You do not want to assume you’ll be covered by at least one insurance company because it is possible that neither will cover you regardless of how good your intentions were.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
Edited by
Insurance Editor