Best Auto Insurance for First Responders in 2025 (See the Top 10 Companies Here)
Geico, USAA, and State Farm are the three companies with the best auto insurance for first responders. USAA has the cheapest first responder car insurance at $32/mo, but Geico has the biggest discounts for firefighters at 25%. Certified first responders include paramedics, firefighters, and EMTs.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 11, 2025
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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: Feb 11, 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

Company Facts
Full Coverage for First Responders
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Full Coverage for First Responders
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Full Coverage for First Responders
A.M. Best Rating
Complaint Level
Pros & Cons

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 figuring out how to get 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
Company | Rank | First Responder Discount | UBI Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 8% | 25% | Cheap Rates | Geico | |
#2 | 10% | 30% | Military Members | USAA | |
#3 | 10% | 30% | Customer Service | State Farm | |
#4 | 10% | 30% | UBI Savings | Allstate | |
#5 | 10% | $231/yr | Qualifying Coverage | Progressive | |
#6 | 12% | 30% | Add-on Coverages | Liberty Mutual | |
#7 | 10% | 40% | Add-on Coverages | Nationwide | |
#8 | 18% | 30% | Policy Options | Farmers | |
#9 | 10% | 30% | Costco Members | American Family | |
#10 | 7% | 30% | Roadside Assistance | AAA |
Explore your options for the best affordable auto insurance 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.
- Most major insurance companies offer a 10% first responder discount
- First responders are considered low-risk drivers, so their rates tend to be low
- Geico, USAA, and State Farm offer the best auto insurance for first responders
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#1 – Geico: Top Pick Overall
Pros
- First Responder Discount: First responders can use Geico’s affiliation discount. Geico also offers the best auto insurance for federal employees partially because of its discounts, which some first responders qualify for.
- 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.
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#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 designed for low-mileage drivers.
- First Responder Discounts: One of the ways Allstate offers affordable auto insurance for first responder employees is 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.
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#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 Insurance: Best for Discount Options
Pros
- Discount Options: Farmers have some of the best auto insurance for firefighters because they offer a discount of about 10%. Aside from auto insurance discounts for firefighters, Farmers offers 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.
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#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 AAA’s roadside assistance plans 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
Occupation | Monthly Rates | Discounts |
---|---|---|
Emergency Medical Technician | $150 | 10% |
Firefighter | $160 | 15% |
Law Enforcement | $170 | 12% |
Paramedic | $155 | 14% |
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.
First Responders Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$65 | $122 | |
$87 | $228 | |
$62 | $166 | |
$76 | $198 | |
$43 | $114 | |
$96 | $248 | |
$63 | $164 | |
$56 | $150 | |
$47 | $123 | |
$32 | $84 |
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. Obtain further insights from our “Factors That Affect Auto Insurance Rates.”
Who Qualifies For First Responder Discounts
Finding a company that offers a first responder discount is relatively easy, but not everyone qualifies.
If you don't qualify for a first responder discount, that doesn't mean you can't save. You might be eligible for other discounts, like savings for being a good driver, bundling policies, paying in full, and staying claims-free.Laura Berry Former Licensed Insurance Producer
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.
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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.
You only need commercial auto insurance if you own a vehicle used for work. For example, paramedics don't need commercial auto insurance unless they own the ambulance they work in and use it for business purposes.Ty Stewart Licensed Insurance Agent
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: Geico vs. 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.
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Frequently Asked Questions
Who is classified as a first responder?
What is a first responder insurance discount?
Who has the best first responder discounts for auto insurance?
Discount amounts vary from state to state, but Geico and Progressive offer some of the highest savings for first responders, sometimes up to 25% off. Read more in our article: Geico vs. Progressive Auto Insurance Review.
How do you prove you are a first responder for auto insurance?
It depends on the company you shop with, but most accept a copy of your most recent pay stub. If you’re looking for car insurance that offers a first responder discount, some companies, including Geico, provide this type of discount. In such cases, you may need to submit proof of employment to qualify for the discount and lower your premium.
Does occupation affect auto insurance rates?
Your occupation plays a small role in your insurance rates. First responders statistically drive safer than the average driver, so they tend to see slightly lower rates. Some insurers offer nurse discount car insurance or best car insurance for first responders, recognizing their responsible driving habits and lowering premiums.
Can first responders buy USAA auto insurance?
First responders must qualify for USAA membership before purchasing a policy. Only active and retired military members and their families are eligible for USAA membership. Elevate your knowledge with our “Best Auto Insurance for Military Families and Veterans.”
Does Nationwide offer a first responder discount on auto insurance?
First responders, including law enforcement officers, can earn up to 10% off their Nationwide policy with this discount. Be sure to ask about the insurance first responder discount and law enforcement auto insurance, as availability may vary by state. Always check with a representative to confirm eligibility and savings opportunities.
Do you need special auto insurance if you’re a first responder?
First responders only need a standard auto insurance policy unless they own a business vehicle. You can also check this article, “Best Business Auto Insurance.” You’ll need commercial auto insurance if you own a vehicle used in first responder work.
Is USAA auto insurance only for veterans?
Does Geico offer first responder discounts?
Yes, Geico offers a first responder discount, which may vary depending on state and eligibility requirements. Additionally, Geico provides a law enforcement discount as part of its car insurance discount for first responders. To confirm availability and details for both discounts, first responders should contact Geico directly.
How can first responders get cheaper auto insurance rates?
Aside from getting a discount, first responders can save by finding other discounts and choosing the proper coverage. Enter your ZIP code to compare quotes with multiple companies.
What is the cost of the Geico first responder discount?
The discount percentage varies, but Geico typically offers savings for first responders, including those seeking car insurance with first responder discount options. To get an accurate quote, contact Geico or check their website.
Which car insurance companies give law enforcement discounts?
Several car insurance companies offer discounts for law enforcement, including:
- Geico
- Progressive
- Allstate
- State Farm
- USAA (for eligible military and law enforcement families)
- Nationwide
Discounts may vary, so checking with each provider is recommended.
Does Progressive offer a law enforcement discount?
What are the best options for nurses’ auto insurance?
Some of the best auto insurance providers for nurses include:
- Geico – Offers profession-based discounts
- Allstate – Possible occupational savings
- Progressive – Custom discounts available
- Liberty Mutual – Nurse and healthcare worker discounts
Comparing quotes is the best way to find the most affordable policy.
What is the best insurance for first responders?
The best insurance for first responders depends on coverage needs and location. Popular choices include:
- USAA – Best for military and law enforcement families
- Geico – Competitive rates and discounts
- State Farm – Reliable coverage with discount programs
- Progressive – Flexible options for first responders
Does Progressive have a first responder discount?
Yes, Progressive offers first responder discounts, but the eligibility and discount percentage vary by state. Additionally, they provide the best multi-vehicle auto insurance discounts for policyholders who insure multiple cars, helping families and households save on their premiums.
Which car insurance companies offer first responder discounts?
Car insurance companies that typically offer first responder discounts include:
- Geico
- Progressive
- Allstate
- State Farm
- Nationwide
- USAA (for military and law enforcement)
It’s recommended that you confirm availability directly with the provider.
What are the options for home insurance for law enforcement?
Home insurance options for law enforcement include:
- USAA – Great for military and law enforcement families
- State Farm – Offers specialized coverage and discounts
- Allstate – Provides first responder benefits
- Geico – Affordable home insurance options
Does Allstate provide a law enforcement discount?
Allstate offers discounts for law enforcement officers, but availability depends on state regulations and individual policies. The Allstate Drivewise program, which rewards safe driving with discounts, is another way customers can save, although it also depends on state and policy specifics.
Is the State Farm first responder discount worth it?
State Farm offers a first responder discount car insurance, providing savings for those in this essential profession. Additionally, first responder home insurance discounts are available, and the value depends on individual coverage needs and available savings. Comparing quotes is the best way to determine if these discounts will be beneficial for your specific situation.
How can law enforcement contact USAA?
Law enforcement officers can contact USAA by calling 1-800-531-8722 or visiting www.usaa.com.
Does Allstate offer a first responder discount?
Does USAA provide a first responder discount?
USAA primarily serves military members and their families, including some law enforcement officers. While they do not advertise a specific first responder discount, their competitive rates often make them a great choice.
How can I get a AAA insurance quote?
To get an AAA insurance quote, visit www.aaa.com or call your local AAA office. Quotes may vary based on membership level.
What is the cost of the Progressive first responder discount?
The cost of the Progressive first responder discount varies based on location and policy details. The best way to determine savings, including how it may impact your Progressive SR-22 insurance, is to contact Progressive directly for a quote.
Does Nationwide offer a first responder discount?
Nationwide offers a first responder discount, but eligibility and savings vary by state.
What is the cheapest car insurance for first responders?
The cheapest car insurance for first responders depends on location, driving history, and coverage needs. Some of the most affordable providers include:
- Geico
- USAA (for eligible law enforcement and military families)
- Progressive
- State Farm
- Nationwide
Does Geico provide a police discount?
Yes, Geico provides a police discount, though the savings amount varies based on location and eligibility. Police officers can benefit by looking into the best auto insurance discounts for police officers to ensure they get the most out of their coverage.
Where can firefighters find cheap car insurance?
Firefighters can find affordable car insurance from:
- Geico – Offers firefighter discounts
- Progressive – Competitive rates for first responders
- Allstate – Possible occupational savings
- USAA – Best for military-affiliated firefighters
Does State Farm offer a law enforcement discount?
State Farm provides a law enforcement discount, but the availability and discount percentage vary by state.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.