Auto Insurance for Emergency Service Workers

Some companies may offer you a discount on your auto insurance as an emergency service worker. The average cost of auto insurance is $79.58/mo.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Nov 4, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to remember...

  • Discounts on auto insurance are often available for emergency service workers
  • Because sleep deprivation is common among emergency service workers, you should consider higher liability levels for increased protection
  • Shop around to find the best coverage at the best price to meet your needs

Finding adequate car insurance for emergency service workers involves exploring several things. You want to make sure you get coverage in all the right places. Additionally, you want to take the time to get quotes online and look for as many discounts as possible.

Find the coverage you want at the best rate. Enter your zip code above to compare car insurance quotes to see how much you could save.

Coverage for Emergency Service Workers

If you are an emergency service worker, you have to consider the kind of coverage you want. In addition to state minimums, you should look at getting coverage in a few other areas.

You want to get enough coverage to avoid paying more than the deductible out-of-pocket. Otherwise, you run the risk of having to pay for windshield repairs, flood damage, and all sorts of other things with your own money.

These out-of-pock costs are an easy way to bankrupt you because repairs are often very expensive.

Coverage types to consider include:

  • Increasing liability for bodily injury
  • Increasing liability for property damage
  • Personal injury protection (PIP)
  • Collision
  • Comprehensive
  • Uninsured motorist

Increasing the liability above state minimums makes a lot of sense. You want the insurance company to pay for all of the costs so that nothing is left for you to pay out-of-pocket.

When you consider the average salary for a paramedic is just over $31,000 a year, one major accident could be enough to bankrupt you if you don’t have enough coverage.

When you’re an emergency service worker, you have to think of your hours and how tired you are coming home from a shift. If you’re going into work when it’s still dark out, visibility could be limited.

Further, if you have just worked 18 hours or longer, you might be exhausted and therefore your reaction times won’t be as strong. You might be tempted speed in an effort to get home faster.

All of these possibilities could impact how you drive – and could increase the likelihood of being involved in an accident. Whether the accident is with a car or a stationary object, more coverage will provide you with the needed financial protection.


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Available Discounts

Many insurance companies offer discounts to emergency service workers. While not all insurance companies offer such discounts, it’s certainly worth looking into.

You will likely have to provide some kind of proof of employment such as a copy of a paystub, a letter from HR, or a copy of your ID badge. Whatever it is, the insurance company would apply the discount once you have proven that you are in fact an emergency service worker.

Other discounts that you could qualify for include:

  • Multi-car
  • Multi-policy
  • Safe driver
  • Good student

Many people become a paramedic and then decide to go into another medical field, such as going to med school and becoming a doctor. This means that if you’re working as a paramedic while going to school, a good student discount could easily apply.

Any time you can get a discount is a good thing. You will be able to check off what you qualify for when getting quotes online.

Additionally, once you choose the company you wish to go with, you can call them to find out if they offer any other discounts that you might qualify for.

Comparing Quotes to Save Money

When you’re looking for car insurance as an emergency service worker, the first thing you want to do is determine the kind of coverage you actually want to get. From there, you can request quotes online.

Getting quotes online will make it easier to learn about the different insurance companies and what their costs are. Comparisons are then made to determine who has the best reputation along with the best price for coverage.

There’s no reason to spend more on car insurance than necessary. Getting more coverage will keep you better protected for the days when you’re running on little sleep.

Further, you want enough protection for the insurance company to take care of all expenses from an accident so they don’t come after you for a remaining balance. Online quotes will help you get a better understanding of premium costs.

Compare car insurance quotes today by using our free rate comparison tool.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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