Best Auto Insurance for First Responders in 2025 (See the Top 10 Companies Here)

Geico, USAA, and State Farm are our top choices for the best auto insurance for first responders because they offer customizable coverage options, low rates, and first responder discounts.

Geico makes getting a first responder auto insurance discount easy with its robust online tools. You can save with other Geico discounts and sign up for its UBI program DriveEasy.

Our Top 10 Company Picks: Best Auto Insurance for First Responders

Explore your options for the cheapest auto insurance companies for first responder employees below. Then, enter your ZIP code into our free comparison tool to see which companies have the cheapest rates in your area.

#1 – Geico: Top Pick Overall

Pros

• First Responder Discount: Geico’s auto insurance review notes that first responders get an affiliation discount, and federal employees benefit from Geico’s savings.
• Competitive Rates: Aside from the Geico first responder discount, you’ll also find competitive rates. Geico is often one of the cheapest options for car insurance in most states.
• Unique Coverage Options: Geico offers plenty of ways to increase the coverage in your policy, including mechanical breakdown insurance.

Cons

• Rates Are Higher for Some Drivers: Although Geico usually offers cheap rates, drivers who need high-risk auto insurance will probably find lower rates elsewhere.
• Mixed Reviews: Geico has plenty of satisfied customers, but it also gets several complaints regarding its claims resolution process.

#2 – USAA: Best for Military Families

Pros

• Lowest Rates: No matter where you live, USAA is almost always the cheapest option for car insurance.
• Specialized Coverage: USAA auto insurance for first responders has various coverage and discount options. Read our USAA auto insurance review to learn more.
• Military Discounts: USAA offers specifically designed military discounts to help members save.

Cons

• Eligibility Requirements: Although it offers cheap coverage for first responders’ dependents, you must qualify for membership to purchase USAA insurance. Only former and active military members are eligible for membership.
• No Gap Insurance: USAA’s selection of coverage options is a little smaller than that of larger providers. It lacks popular coverage options like gap insurance.

#3 – State Farm: Best for Personalized Service

Pros

• Discounts for First Responders: Take advantage of the State Farm first responder discount to save. Read our State Farm auto insurance review to see more discount options.
• Extensive Network of Agents: State Farm has a vast network of local representatives offering help whenever you need it.
• Roadside Assistance Plan: Many drivers add roadside assistance to their plan when they want the best auto insurance for emergency service workers (EMS) and other first responders. State Farm offers excellent roadside coverage at a low price.

Cons

• Some Drivers Pay More: Drivers with low credit scores often see higher rates from State Farm.
• Lacking Online Options: You must speak with a representative to purchase a State Farm policy.

#4 – Allstate: Best for Full Coverage Policies

Pros

• Drivewise and Milewise: Allstate offers two usage-based insurance programs: Drivewise and Milewise. Drivewise provides a discount for safe driving habits, while Milewise is for low-mileage drivers.
• First Responder Discounts: Allstate offers affordable auto insurance for first responder employees with discounts. Read our Allstate auto insurance review to see your discount options.
• Ample Coverage Options: Allstate offers a variety of coverage options, including rental car reimbursement and sound system coverage.

Cons

• Higher Average Rates: Allstate might have affordable rates for certified first responders, but it often has higher average prices than other companies.
• Below-Average Reviews: Despite excellent coverage options, Allstate struggles with customer reviews.

#5 – Progressive: Best for First Responders on a Budget

Pros

• Competitive Rates: Progressive usually offers affordable rates no matter what type of driver you are. Explore how much you might pay in our Progressive auto insurance review.
• Name Your Price Tool: Getting auto insurance discounts isn’t the only way to stay on a budget. Use Progressive’s Name Your Price tool to see coverage options that meet your budget.
• First Responder Insurance Discounts: You may qualify for a Progressive first responder discount. Check with a representative to see if you meet first responder eligibility for this discount, as availability varies by state.

Cons

• Limited Local Agents: Progressive focuses on its online options, so fewer local representatives can speak.
• Claims Satisfaction Ratings: Progressive struggles with customer service ratings, impacting how many drivers renew their Progressive policy.

#6 – Liberty Mutual: Best for Law Enforcement

Pros

• Discounts for First Responders: Wondering how to get a police auto insurance discount? Liberty Mutual offers a law enforcement discount along with 17 other options.
• Customizable Policies: Liberty Mutual has the best auto insurance for law enforcement because of its ample policy customization options.
• 24/7 Claims Assistance: Liberty Mutual representatives are always available online or over the phone if you need help with a claim.

Cons

• Average Rates: Liberty Mutual isn’t the most expensive option for car insurance, but it’s also not the cheapest.
• Claims Processing Reviews: Many customers complain that Liberty Mutual’s claims process lacks. Read more customer reviews in our Liberty Mutual auto insurance review.

#7 – Nationwide: Best for Vanishing Deductibles

Pros

• Vanishing Deductible Program: Sign up for Nationwide’s Vanishing Deductible program to reduce your deductible by up to $500.
• First Responder Auto Insurance Discount: Save on first responder auto insurance costs by taking advantage of this Nationwide discount.
• Ample Coverage Options: Nationwide offers a variety of coverage options to meet nearly every need, like gap insurance and pet injury coverage.

Cons

• Not Available Everywhere: Nationwide is only sold in 47 states. Learn if you can buy Nationwide coverage in your state in our Nationwide auto insurance review.
• Limited Online Tools: Nationwide prefers to sell policies through in-person agents, so it lacks some online tools other companies offer.

#8 – Farmers: Best for Discount Options

Pros

• Discount Options: Farmers offers some of the best auto insurance discounts for firefighters, about 10%. In addition to auto insurance discounts for firefighters, Farmers has 23 discount options.
• Flexible Coverage: Customize your Farmers policy with add-ons like personal umbrella coverage and roadside assistance. Explore all add-on options in our Farmers auto insurance review.
• Signal App: Save up to 30% on your insurance by downloading the Farmers’ Signal app and enrolling in the UBI program.

Cons

• Higher Than Average Rates: While not the cheapest option, Famers rarely offers the most affordable first responder car insurance rates.
• Limited Availability: As of 2023, Farmers no longer sells new car insurance policies in Florida.

#9 – American Family: Best for EMS Workers

Pros

• Dedicated Agents: American Family has representatives ready to help, whether you’re looking for car insurance for law enforcement officers, paramedics, or other first responders.
• First Responder Discounts: American Family has you covered when figuring out how to get an EMS auto insurance discount. It offers an EMT discount among its 18 discount options.
• Costco Insurance: Costco members can get affordable coverage through the warehouse, which the American Family underwrites.

Cons

• Not Sold in All States: American Family sells car insurance in 19 states. To see if your state is one of them, read our American Family auto insurance review.
• Rates Can Be High: American Family rates are a bit higher on average than many competitors.

#10 – AAA: Best for Roadside Assistance Plans

Pros

• Roadside Assistance: AAA is best known for its roadside assistance plans, which cover emergencies like dead batteries, empty fuel tanks, and flat tires. Explore them in our AAA auto insurance review.
• Discount Options: Lower your car insurance costs by taking advantage of AAA’s 17 discount options.
• Coverage Selection: AAA offers many ways to customize your insurance, like its OEM exterior repair coverage.

Cons

• Membership Required: Only AAA members can sign up for car insurance with a yearly fee.
• Coverage Varies by Location: AAA is run by local clubs, so discount and coverage options can vary by location.

Comparing First Responder Auto Insurance Costs

Most insurance companies offer a discount for first responders. Check below to see how much you might save based on your career.

First Responder Auto Insurance Monthly Rates & Discounts

To better understand how much you might pay for coverage, check our top auto insurance companies’ average minimum and complete coverage rates for first responders. You should also check out the factors that affect auto insurance rates.

First Responders Auto Insurance Monthly Rates by Provider & Coverage Level

First-responder auto insurance rates are slightly lower than the national average. However, not all first responders qualify for a discount, which may increase the quotes you’ll see.

Who Qualifies For First Responder Discounts

Finding a company that offers a first responder discount is relatively easy, but not everyone qualifies.

Insurance companies offer a first responder discount for these specific careers:

• Firefighters and volunteer firefighters
• Police officers
• Government and federal law enforcement
• EMTs and paramedics

You’ll likely qualify for a first responder discount if you work in one of these careers. If you’re not sure, a representative can clarify your eligibility. You can also read our article: How to Get a Federal Employee Auto Insurance Discount.

How Much Auto Insurance First Responders Need

The amount of insurance you need depends on various factors, including what type of vehicle you drive and your budget.

First Responder discount for car insurance
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As you saw above, minimum insurance is your cheapest option for coverage. The minimum amount of coverage you can purchase depends on your state’s laws, but liability insurance is most commonly required. Minimum insurance is a good option for drivers who own less expensive vehicles or can afford to replace their cars outright (Learn more: Minimum Auto Insurance Requirements by State).

Although it’s cheap, minimum insurance usually doesn’t protect your vehicle. Complete coverage is a better insurance option if you have a newer, more valuable car or can’t afford to replace it. It’s never required by law, but it offers your vehicle much better protection.

The amount of insurance you need depends on your unique circumstances, but the good news is that you probably don’t need commercial auto insurance as a first responder, which helps keep costs down.

How to Save Money on Auto Insurance for First Responders

Aside from finding a first responder discount, you can save on your insurance with the following tips:

• Keep your driving record clean (Read more: Cheap Auto Insurance for a Bad Driving Record).
• Take advantage of other discounts.
• Compare car insurance quotes to find the lowest prices.
• Purchase only what you need.
• Select a higher deductible.

An insurance representative can also help you save by reviewing your policy and making suggestions.

However, the most crucial way to keep your insurance rates low is to compare rates with as many companies as possible.

Where to Buy The Best Auto Insurance for First Responders

The best auto insurance for first responders depends on your needs, but Geico, USAA, and State Farm are usually your best options. Learn more in our article if you’re debating between Geico and State Farm auto insurance.

However, you can use our top 10 choices for the best auto insurance for first responders listed above to get an idea of where to start looking. You can also enter your ZIP code into our free comparison tool to compare rates now.