Best Auto Insurance for Firefighters in 2025 (Top 9 Companies)
The top providers of the best auto insurance for firefighters are California Casualty, AAA, and The Hartford, offering rates starting at $32 a month. California Casualty includes $500 gear replacement. AAA offers lifetime repair guarantees, and The Hartford gives up to 40% off at renewal with its TrueLane program.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jun 14, 2025
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.
UPDATED: Jun 14, 2025
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.
On This Page
146 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
146 reviews
3,027 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
3,027 reviews
765 reviewsCompany Facts
Full Coverage
A.M. Best
Complaint Level
Pros & Cons
765 reviewsCalifornia Casualty, AAA, and The Hartford stand out as top providers of the best auto insurance for firefighters due to their exclusive features specifically designed for first responders.
Our Top 9 Company Picks: Best Auto Insurance for Firefighters
| Company | Rank | First Responder Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 18% | B | Auto Coverage | California Casualty |
 | #2 | 15% | A | Roadside Assistance | AAA |
 | #3 | 12% | A+ | Tailored Policies | The Hartford |
 | #4 | 12% | A | First-Responder Discount | Farmers |
 | #5 | 12% | A | Occupational Discount | Liberty Mutual |
 | #6 | 10% | A+ | Customer Service | Country Financial |
 | #7 | 9% | A++ | Lowest Rates | Geico |
 | #8 | 8% | A++ | Military Drivers | USAA |
 | #9 | 7% | A | Firefighter Spouses | Mercury |
California Casualty offers $500 in turnout gear coverage and waived deductibles near fire stations. AAA includes access to its Accident Assist program and certified repair networks.
The Hartford’s TrueLane program rewards safe drivers with renewal discounts of up to 40%, making it ideal for long-term value. Find out which companies offer the best first responder auto insurance discounts tailored specifically for volunteer firefighters.
- California Casualty offers gear coverage and lower deductibles
- Firefighters need coverage for off-duty emergency vehicle use
- Usage-based insurance can save firefighters up to 30% annually
Unlock major savings on firefighter auto insurance by comparing top-rated provider rates using our free quote comparison tool with your ZIP code.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Comparing Auto Insurance Rates for Firefighters
How does your job affect auto insurance? Insurers consider risk when setting rates, and where you work can impact how often you drive, which in turn affects your likelihood of being involved in an accident. For example, firefighters may have high-risk jobs but are usually low-risk drivers.
Does your occupation matter for auto insurance premiums🤔? According to https://t.co/27f1xf1ARb, it does! And you could save up to 10% if you're a firefighter 👨🚒. To find the best and cheapest insurance for firefighters🚒, check this out 👉: https://t.co/0AhSzyebwQ pic.twitter.com/hig90RegJx
— AutoInsurance.org (@AutoInsurance) June 15, 2023
The table below displays the monthly insurance rates for firefighters from the top providers. USAA offers the most affordable minimum and full coverage, costing $32 and $84, respectively.
Auto Insurance Monthly Rates for Firefighters by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $122 |
| $120 | $200 |
| $110 | $190 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $42 | $110 |
| $61 | $161 |
| $32 | $84 |
Geico and Mercury also have affordable options. California Casualty and Liberty Mutual tend to cost more but offer extra benefits and features specifically for firefighters.
Read More:
- AAA Auto Insurance Review
- California Casualty Auto Insurance Review
- Country Financial Auto Insurance Review
- Farmers Auto Insurance Review
- Geico Auto Insurance Review
- Liberty Mutual Auto Insurance Review
- Mercury Auto Insurance Review
- The Hartford Auto Insurance Review
- USAA Auto Insurance Review
Best Auto Insurance Discounts for Firefighters
Some insurance companies consider firefighters and first responders safe drivers due to their additional emergency training and reward them with occupational or affinity discounts.
Auto Insurance Discounts for Firefighters
| Insurance Company | Occupational Discount | Safe Driver Discount |
|---|---|---|
| 7% | 10% |
| 10% | 15% |
| 12% | 20% |
| 11% | 20% |
| 10% | 15% |
| 9% | 20% |
| 12% | 8% |
| 12% | 8% |
| 10% | 10% |
However, occupational discounts aren’t the only way to save on auto insurance for volunteer firefighters. Most major insurers allow drivers to stack multiple discounts for the most affordable auto insurance rates for firefighters. Other discounts firefighters and first responders can earn include:
- Anti-Theft Discount: You could save 15% to 20% by installing additional anti-theft devices.
- Defensive Driver Discount: You could earn a 5% to 30% discount on your rates by taking a defensive driving course.
- Usage-Based Discount: Tracks your driving habits and saves you an additional 5% to 30% off your annual rates.
- Paid-in-Full Discount: Paying your annual rates upfront can save you an average of $85 per year.
The list of auto insurance discounts for firefighters at major companies will vary, so always ask about which discounts are available to you.
Proximity to fire zones raises exposure. Specifically, providers may offer location-based discounts for garaging vehicles near fire stations.Daniel Walker Licensed Auto Insurance Agent
Many insurers automatically include discounts in quotes, so confirm that you’re getting every discount you’re eligible for before you buy.
Auto Insurance Coverage for Firefighters
Firefighters often require specialized auto insurance coverage due to the unique risks associated with their job. These policies can include protection for gear and additional coverage when using vehicles in emergencies, offering benefits beyond regular liability insurance. Here are six major auto insurance coverages commonly offered to firefighters:
- Turnout Gear Replacement Coverage: This pays up to $500 if firefighter gear stored in the insured vehicle gets damaged or stolen.
- Full Glass Replacement: This service handles windshield and window damage without requiring an auto insurance deductible.
- Accident Assist or Repair Concierge: This service offers 24/7 towing, help at accident scenes, and lifetime repair guarantees.
- Usage-Based Insurance (UBI): Programs like TrueLane from The Hartford monitor driving habits and offer safe drivers up to 40% off their premiums when they renew.
- Pet Injury Coverage: Provides up to $1,000 for injuries to pets when they are in a firefighter’s vehicle during an accident. This is included in some California Casualty policies.
- Emergency Response Deductible Waiver: This waiver waives collision or comprehensive deductibles if a loss occurs while the firefighter is responding to a duty call.
These coverage choices help firefighters safeguard their gear, passengers, and financial security both on and off the job.
Learn More: When do you need business auto insurance?
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
9 Best Auto Insurance for Firefighters
Finding the best car insurance for firefighters means checking more than just basic coverage. The companies listed below offer special benefits, including gear protection, job-related discounts, and mileage-based savings.
All are designed specifically for first responders. Every company on this list gives special benefits suited to the needs of firefighters, whether they are working or not.
#1 – California Casualty: Top Pick Overall
Pros
- Gear Protection: Firefighters receive $500 in turnout gear replacement with no deductible applied in qualifying incidents. Explore more policy options in our California Casualty auto insurance review.
- Station Deductible Waiver: Firefighters with garaged vehicles within 500 feet of their station benefit from waived deductibles.
- Pet Injury Coverage: Policies for firefighters include $1,000 in pet injury protection, which covers injuries to pets in a covered accident.
Cons
- Limited Availability: California Casualty auto insurance for firefighters is not available in all 50 states, which limits access for some.
- No Accident Forgiveness in CA: Firefighters in California are excluded from accident forgiveness due to state restrictions.
#2 – AAA: Biggest Savings for Firefighters
Pros
- Roadside Coverage: Firefighters get up to 100 miles of free towing and lockout assistance under the AAA Plus membership.
- Certified Repairs: Firefighters using AAA insurance access lifetime guarantees through Approved Auto Repair facilities.
- Accident Assist: AAA’s program helps firefighters manage claims and repairs faster, reducing downtime after a crash. Learn about membership fees and requirements in our AAA insurance review.
Cons
- Membership Required: Firefighters must pay annual dues to access AAA’s insurance perks and roadside programs.
- Regional Rate Variability: Auto insurance premiums for firefighters vary widely depending on the AAA club region and service area.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#3 – The Hartford: Best Insurance Policies
Pros
- TrueLane Rewards: Firefighters who enroll in The Hartford’s TrueLane program can save up to 40% for safe driving habits.
- AARP Access: Eligible firefighters can bundle with AARP benefits to secure multi-policy discounts and accident forgiveness.
- Lifetime Renewals: Firefighters with a clean record qualify for The Hartford’s Lifetime Renewability benefit. Get more rankings in our review of The Hartford auto insurance.
Cons
- Eligibility Restrictions: Only firefighters aged 50 or older or those with an AARP membership qualify for key discounts.
- UBI Limitations: TrueLane savings for firefighters may be minimal without consistently high driving scores over time.
#4 – Farmers: Best Discounts for Firefighters
Pros
- Up to 18% Off: Firefighters may receive occupational discounts of up to 18% on their auto insurance premiums with Farmers.
- Customized Deductibles: Farmers offers decreasing deductibles for firefighters who remain claim-free year after year.
- Enhanced Glass Coverage: Firefighters can opt into full glass replacement without paying a deductible for cracked windshields. Use our Farmers insurance review to find local coverage.
Cons
- High Base Rates: Even with occupational discounts, firefighters may find Farmers’ base premiums higher than national averages.
- Digital Tools Lacking: Firefighters seeking mobile-first claims tools may find Farmers’ tech less streamlined than competitors.
#5 – Liberty Mutual: Most Customizable Coverage
Pros
- RightTrack Savings: Firefighters using Liberty Mutual’s telematics program can save up to 30% for monitored safe driving. Compare policy options in our Liberty Mutual review.
- Add-On Flexibility: Liberty Mutual allows firefighters to add roadside assistance, rental car reimbursement, and accident forgiveness.
- Group Savings: Firefighters affiliated with certain unions or departments may be eligible for affinity discounts not publicly advertised.
Cons
- Discount Clarity: Firefighters may struggle to confirm exact eligibility for Liberty Mutual’s occupation-based discounts.
- Claim Satisfaction Variance: Firefighters report inconsistent claims handling depending on region and adjuster assignment.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#6 – Country Financial: Best for Customer Service
Pros
- Personalized Agents: Firefighters benefit from local agents familiar with regional risk factors and station-based vehicle use.
- Bundled Savings: Country Financial offers multi-policy bundles that can reduce firefighters’ total insurance costs by up to 25%.
- Equipment Protection: Firefighters who transport personal safety gear in their vehicles can secure extended property coverage. Find local protection in our Country Financial company review.
Cons
- Limited National Reach: Firefighters outside Country Financial’s core service states may not have access to auto policies.
- Digital Access Gaps: Firefighters looking for robust app-based policy management may find fewer online tools available.
#7 – Geico: Lowest Rates for Firefighters
Pros
- Federal Discounts: Geico offers firefighter-specific savings to those working for federal departments or associated agencies (See more discounts: Geico Auto Insurance Discounts).
- Defensive Driving Incentives: Firefighters who complete approved safety courses can qualify for rate reductions of up to 15%.
- Claims Efficiency: Geico’s 24/7 claims center ensures firefighters receive quick roadside support or accident processing at any time.
Cons
- Limited Firefighter Perks: Compared to niche carriers, Geico’s firefighter-specific benefits are fewer and not widely promoted.
- Affinity Access Required: Firefighters may need to provide proof of association or employment with qualifying agencies to unlock discounts.
#8 – USAA: Best for Firefighters in the Military
Pros
- Lowest Rates: USAA consistently offers some of the lowest premiums for military personnel, including firefighters, and their family members.
- Deployment Flexibility: Firefighters in the reserves or on active duty benefit from flexible coverage suspension options.
- Claims Satisfaction: USAA ranks highly among firefighters for claims support, especially in emergency response cases. Compare quotes in our USAA insurance review.
Cons
- Membership Eligibility: Firefighters must be military-affiliated or have a qualifying family connection to access USAA.
- No Civilian Access: Civilian or municipal firefighters without military ties are not eligible for USAA auto insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#9 – Mercury: Best for Firefighter Spouses
Pros
- Household Coverage: Mercury allows firefighter spouses to receive discounts even if the firefighter isn’t the policyholder.
- Repair Partner Network: Firefighters get access to certified shops with guaranteed workmanship on repairs.
- Low-Mileage Discounts: Firefighters with short commutes or those who use their vehicles off-duty may save through verified mileage reductions. Explore more in our Mercury auto insurance review.
Cons
- State Limitations: Mercury is only available in select states, restricting access for many firefighters nationwide.
- Add-On Complexity: Firefighters may need to navigate complex optional coverages to achieve full protection.
Finding the Best Auto Insurance for Firefighters
California Casualty and The Hartford are the top auto insurance companies for firefighters, offering specialized policies and coverage options tailored to first responders.
AAA, Farmers, and Liberty Mutual offer bigger discounts to help lower rates and reduce repair costs for firefighters who have been in an accident. On average, firefighters can save 3% to 18% on auto insurance simply by virtue of their occupation.
You can stack an additional 10% discount for staying accident-free or bundling auto insurance with a home or renters policy. Firefighters can also earn up to 30% off their auto insurance premiums by signing up for usage-based auto insurance.
Volunteers drive long distances to rural calls. For instance, usage-based plans with mileage tracking ensure fairer rates for firefighter travel.Michelle Robbins Licensed Insurance Agent
Firefighters may need additional business coverage if they use their personal vehicles for work and don’t have a policy with California Casualty or The Hartford. Business auto insurance can be more expensive, so shop around with multiple local companies to find the most affordable car insurance for firefighters in your area.
Get firefighter car insurance discount offers by comparing personalized quotes using your ZIP code in our free and easy-to-use rate comparison tool.
Frequently Asked Questions
What is the best auto insurance for first responders?
You can find the best auto insurance for first responders with companies offering dedicated discounts, priority claims service, and average minimum rates.
What firefighter insurance benefits can you access?
You can access firefighter car insurance benefits, including specialized discounts, gap coverage, and accident forgiveness, often starting at a monthly rate of $52.
Where can you find trustworthy reviews of firefighter insurance services?
You can find trustworthy firefighter insurance services reviews on verified platforms that highlight customer satisfaction, claim efficiency, and savings. Get matched with the best auto insurance for firefighters by entering your ZIP code into our free rate finder tool.
How does IAFF auto insurance work for members like you?
You can use IAFF car insurance to access union-specific discounts, group rate coverage options, and partner insurer benefits.
Do firefighters get a discount on car insurance?
Yes, you can receive a firefighter discount on car insurance, which can lower your monthly premium by 5% to 15%, depending on the insurer. Explore the best membership auto insurance discounts made for firefighters.
What is the best insurance company for firefighters?
You can find the best insurance company for firefighters through providers offering firefighter-specific discounts, with average monthly rates starting around $56.
What is the best car insurance for first responders?
You can get the best car insurance for first responders from companies that offer emergency response discounts and roadside support.
Is fire covered under auto insurance?
Yes, your comprehensive auto insurance policy covers fire damage if the incident is non-collision related, and coverage typically starts at around $50 per month.
What is the cheapest car insurance for firefighters?
You can obtain cheap car insurance for firefighters through companies offering occupation-based discounts, with monthly premiums starting as low as $49. Discover the cheapest auto insurance companies that support firefighter savings.
Is fire insurance expensive?
Fire insurance is typically not expensive when added to homeowners or renters coverage, with monthly premiums starting as low as $20, depending on location and property value.
What is the best car insurance?
You can find the best car insurance by comparing coverage options, discounts, and rates. Top providers offer plans starting at just $48 per month.
Are firefighter benefits good?
Yes, you can receive strong firefighter benefits, including car insurance discounts, early retirement packages, and health coverage tailored to your profession.
What type of insurance do you need for a fire?
You need comprehensive auto insurance or homeowners insurance to cover fire damage, with coverage starting at approximately $50 per month. Explore types of auto insurance that offer firefighter-specific benefits.
Can anyone get USAA car insurance?
You can get USAA car insurance only if you’re a military member, veteran, or an eligible family member, with plans beginning at around $47 per month.
What happened to Fireman’s Fund insurance?
Fireman’s Fund Insurance was absorbed by Allianz, and you may now access similar coverage through Allianz’s personal and commercial insurance offerings.
Do police officers get a discount on car insurance?
Yes, you can qualify for a police officer discount on car insurance, with eligible providers offering savings of 10% or more and rates as low as $52 per month.
Do EMTs get insurance discounts?
Yes, you can qualify for insurance discounts as an EMT, with many providers offering first responder savings that reduce monthly premiums by up to 15%. Learn the key factors that affect auto insurance rates for firefighters.
Does car insurance give discounts?
Yes, you can receive car insurance discounts for safe driving, bundling policies, low mileage, and professional affiliations, which can help lower your monthly rate.
Do firefighters automatically get life insurance?
You may receive basic life insurance as a firefighter through your department; however, additional coverage typically requires opting into supplemental plans.
Can you get firefighter home insurance at a lower rate?
Yes, you can qualify for firefighter home insurance discounts based on your profession, with monthly premiums starting around $70 and added protection for service-related risks.
How does The Hartford compare to USAA for firefighter insurance?
You can compare The Hartford and USAA for firefighter insurance by reviewing exclusive first responder discounts, claims support, and average monthly rates. Find out how to file an auto insurance claim for firefighter coverage.
Can you use the IAFF rental car discount as a firefighter?
Yes, you can use the IAFF rental car discount as a firefighter to save up to 25% on personal or duty-related travel through participating rental companies.
Is Country Financial customer service helpful for firefighters like you?
Yes, you can benefit from Country Financial customer service as a firefighter, with responsive support tailored to first responders and coverage starting at about $50 per month.
Can you access IAFF insurance discounts as a member?
Yes, you can access IAFF insurance discounts for auto, home, and life coverage, with firefighter-specific savings that can lower your monthly premium to as little as $48.
How do you use the IAFF car rental discount?
You can use the IAFF car rental discount by booking through participating agencies and entering your union code to save up to 25% on personal and duty-related rentals. Explore the best companies for cheap rental car insurance tailored to firefighters.
Do firefighters need professional liability insurance?
Yes, you may need professional liability insurance for firefighters if you’re exposed to civil or legal claims, with specialized plans starting at approximately $22 per month.
Can you get volunteer firefighter discounts on insurance?
Yes, you can qualify for volunteer firefighter discounts on auto and home insurance, with some providers offering reduced monthly premiums. Find the best auto insurance for firefighters by entering your ZIP code into our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.