Auto Insurance for Firefighters (Companies + Discounts)

Auto insurance for firefighters costs around $125/mo, and GEICO offers the best car insurance rates for first responders.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Written by Mathew B. Sims
Editor-in-Chief Mathew B. Sims

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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Car insurance for first responders can be found with great discounts. Learn More.

Things to Remember

  • Auto insurance rates for firefighters average $125/mo ($1,500/yr)
  • Firefighters qualify for occupational discounts of 3% to 10% with most auto insurance companies
  • USAA and GEICO offer the cheapest auto insurance rates for firefighters, but Nationwide offers the highest discount

Insurance companies consider your occupation when writing your auto policy, and many award first responders, including firefighters, with special discounts on car insurance. On average, auto insurance for firefighters is very affordable, with monthly rates around $125. 

How does your job affect auto insurance? Everything insurance companies do comes down to risk, and where you work can impact how often you drive, which can increase your likelihood of getting into an accident. For example, firefighters may have high-risk jobs, but they’re usually low-risk drivers, which means they’re eligible for more affordable auto insurance rates.

Firefighters are eligible for discounts on car insurance because of their occupation and can earn anywhere between 3% to 10% off their rates. When you stack firefighter auto insurance discounts with other offers, you can pay even less for car insurance. 

Car insurance for first responders is very affordable, but you can get even cheaper auto insurance quotes for firefighters by comparing the following companies, rates, and discounts. Keep reading to learn which car insurance companies offer discounts based on profession.

Compare auto insurance for firefighters and maximize firefighter discounts and volunteer firefighter discounts in your local area by entering your ZIP code in the free online quote tool. You can compare competitive rates from multiple auto insurance companies.

What is the best auto insurance for firefighters?

Firefighters, like many first responders, have emergency and defensive driving training. For this reason, insurance companies consider them safer drivers because they are less likely to file a claim. Therefore, the best auto insurance companies for firefighters will offer discounts for occupation and good driving records as well.

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How much is auto insurance for firefighters? 

The table below lists car insurance companies that offer the cheapest rates for firefighters and first responders. The occupational and safe driver discount amounts are also listed if known.

Auto Insurance CompanyMonthly Auto Insurance RatesOccupational DiscountSafe Driver Discount
USAA$91Variesup to 10%
GEICO$10012-15%up to 22%
State Farm$108VariesVaries
Nationwide$11915%10%
Progressive$124Varies$146 per year
Liberty Mutual$13510%Varies
Farmers$137VariesVaries
Allstate$169Varies$100 per year

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Does GEICO have a discount for first responders? Yes, and GEICO and USAA offer the cheapest auto insurance for firefighters and first responders. 

USAA is only available to military members and their immediate family, but GEICO is available in all 50 states to all residents. Both of these companies offer occupational and safe driver discounts, but Nationwide actually offers the biggest auto insurance discount for firefighters.

Despite the competitive discounts, your auto insurance rates could be lower with another company based on your driving record and the kind of vehicle you drive. Compare car insurance quotes from multiple companies in your area to find the most affordable policy option.

Are there car insurance discounts for first responders?

Yes, insurance companies consider firefighters and first responders to be safe drivers due to their additional emergency training and reward them with occupational discounts between 3% and 10%. 

But occupational discounts are not the only way to save on car insurance for first responders. With most major insurers, drivers can stack multiple auto insurance discounts to get the cheapest rates. 

For example, your auto insurance provider may also offer homeowners and renters insurance. In addition, drivers can bundle their auto and home policies for an additional discount — often up to 12% — and combine it with their occupational discount.

Drivers can also stack safe driver discounts with bundling and occupational discounts to get the lowest auto insurance rates possible.

Other auto insurance discounts firefighters and first responders can earn include:

  • Paid-in-Full discount. Paying your annual rates upfront can save you an average of $85 per year on auto insurance.
  • Usage-Based discount. Because firefighters are safer drivers, usage-based car insurance can track your driving habits and save you an additional 5%-30% off your annual rates.
  • Anti-Theft discount. Installing additional anti-theft devices to your vehicle can earn you 15%-20% off your rates.

The list of auto insurance discounts at major companies will vary, so always ask about which discounts are available to you. Many insurers automatically include discounts in quotes, so confirm that you’re getting every discount you’re eligible for before you buy.

How much auto insurance do firefighters need?

As a firefighter, you are not responsible for insuring any of the emergency vehicles you drive for work. Emergency vehicles will be covered under the fire department’s insurance plan, which is usually purchased by the city and paid for through the fire department. 

However, the level of personal coverage you need depends on the laws in your state and the kind of car you drive. Firefighters only need to carry minimum liability coverage for their personal vehicles but may choose to be better protected with a full coverage policy. 

Since auto insurance for first responders is eligible for so many discounts, firefighters can get very cheap full coverage auto insurance quotes. And if you are a volunteer firefighter and use your personal vehicle for work, you may need business auto insurance.

Firefighters are in the no-fault category while responding to emergencies, but any first responders using personal vehicles for work will want a business policy to cover them while they’re on the clock. 

Unfortunately, business car insurance is more expensive. Purchasing an add-on to a personal policy can increase your rates by 10% to 20% with some companies.  Shop around online and compare at least three insurance companies to find one with the best discounts and rates for first responders.

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Auto Insurance for Firefighters: The Bottom Line

Car insurance for first responders is cheaper than average, but you can get even lower auto insurance rates by maintaining a good driving record. 

On average, firefighters can save 3%-10% on auto insurance based on their occupation alone. 

However, 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 if they sign up for usage-based auto insurance.

Firefighters aren’t required to insure emergency vehicles, but they must insure any cars or trucks they drive personally or for work. Volunteer firefighters may need additional business coverage if they use their personal vehicles for work. 

Business auto insurance is more expensive, so shop around with multiple local companies to find the most affordable auto insurance for firefighters in your area. Look for insurers that offer auto insurance discounts for first responders and safe drivers to get the lowest rates possible.

Start comparison shopping for better firefighter discounts and volunteer firefighter discounts on auto insurance rates by entering your ZIP code below.

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

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