First responders, such as police officers, firefighters and EMTs, can get lower car insurance rates by exploring discounts from insurance companies. Qualified individuals can get significant savings on auto insurance premiums.
Auto Insurance
Car Insurance for First Responders
Updated: April 11, 2025
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Key Takeaways
Car insurance companies like Country Financial, Direct Auto, Farmers and Travelers offer occupation-based discounts for first responders that range from 5% to 12%.
First responder insurance discounts may not always be available. Still, first responders can take advantage of other types of discounts not specific to a profession to lower their premiums.
First responders can further lower car insurance rates by shopping around, increasing deductibles or dropping unnecessary coverage.
Who Offers Car Insurance for First Responders?
Top Companies With Car Insurance Discounts for First Responders
Some insurance companies offer first responder discounts to thank first responders for their services. Qualified individuals can get significant savings on auto insurance premiums. Below are some of the companies offering discounts specifically for first responders.
Company With First Responder Discount | Description |
|---|---|
AAA | AAA offers free roadside assistance to healthcare workers and first responders. This is available even to non-AAA members. If you need assistance, just call 1-800-AAA-HELP (1-800-222-4357) and answer some questions. |
Alfa | Alfa offers occupational discounts. Educators, first responders, military, state employees, federal employees, auto manufacturer employees, ministers and farmers may qualify for these discounts. |
Country Financial | Full-time firefighters, police officers, EMTs and paramedics may be eligible for a 5%–10% discount at Country Financial. |
Direct Auto | Direct Auto’s Affinity Discount offers up to a 5% discount to active members of partner organizations. You can get a list of affinity organizations by contacting a Direct Auto agent at 1-877-GO-DIRECT (1-877-463-4732). |
Farmers | Individuals employed with, or who have retired from, an approved occupation may be eligible for a discount. Members of approved professional groups may also qualify. |
Grange Insurance | Qualified policyholders may get an occupation discount from Grange Insurance. The discount is based on the occupation level of the policyholder or their spouse. |
Mercury | Eligible policyholders and/or their spouses may get Mercury’s association discount if they’re a member of a sponsored group. These include professional groups for doctors and first responders. |
National General | National General Insurance offers affinity discounts for members of specific organizations. |
The Hartford | The Hartford’s Volunteer Firefighter and First Responder Insurance is available to volunteer firefighters, ambulance drivers, and first aid and rescue members. It provides coverage for injuries or illnesses incurred while performing first responder duties. |
Travelers | The Travelers Affinity Car and Home Program is for employees and members of participating businesses, groups, associations and credit unions. With this, qualified individuals get special savings. |
Wawanesa | Wawanesa Insurance offers different auto insurance discounts, including an affinity discount. Members of the company’s affinity groups can get a significant discount on their auto insurance. |
WHO IS CONSIDERED A FIRST RESPONDER?
A first responder is someone responsible for being first on the scene of accidents, natural disasters and other similar incidents. They have specialized training or certifications that give them the skills and ability to assist with emergencies. First responders include various professional roles, like firefighters, police officers, EMTs and paramedics.
Best Car Insurance for First Responders: Alternative Discount Options
There are various ways to lower auto insurance premiums. Those who can’t find first responder insurance discounts can use other types of auto insurance discounts not specifically for first responders. These may be behavior-based, loyalty-based or even telematics-based discounts.
Vehicle and Safety Equipment Discount
Vehicle owners with safety equipment like having airbags and anti-theft technology installed may qualify for significant discounts.
Bundling Discount
Policyholders can get a discount for bundling multiple insurance types through the same insurance provider. For instance, you can bundle homeowners and auto insurance policies.
Defensive Driving Discount
Drivers who have completed a state-approved defensive driving course may be eligible to get a discount.
Driver's Education Discount
Drivers can save on auto insurance by taking a state-approved driver’s education class.
Safe Driving Discount
Drivers who haven’t been involved in an accident or have no violations or claims may qualify for a reduced insurance premium.
Multiple Car Discount
Significant discounts may be available to drivers who have more than one car insured with the same insurance provider.
Paperless Discount
Some insurance companies offer a discount for policyholders who choose to receive their documents electronically.
Pay in Full Discount
First responders who pay their insurance premiums in full before the policy starts instead of making monthly payments may be able to get a discount.
Customer Loyalty Discount
Some insurers have loyalty programs. Policyholders who stay with the same insurer for a certain number of years may get a discount.
Military Discount
Active or past military members may find discount offers from some carriers.
Cheap Car Insurance for First Responders: Other Ways to Get Discounted Rates
Aside from getting discounts, there are other ways to save on auto insurance. Here are some of them.
- 1
Shop around for quotes
When looking for the best and cheapest car insurance, it’s best to shop around. Compare personalized quotes from different companies. You can also use MoneyGeek’s comparison tool to get started.
- 2
Increase your deductible
Another way to lower the cost of auto insurance premiums is to increase your deductible. This is the amount you pay out-of-pocket when you file a claim.
- 3
Bundle policies
If you have multiple types of insurance, such as home, auto, health and life, consider buying policies from the same company. Many companies reward customers who purchase multiple products.
- 4
Consider pay-per-mile insurance
If you don’t drive a lot, consider getting pay-per-mile insurance so your premium will be based on how much you drive. This is best for individuals who drive less than 12,000 miles annually.
- 5
Drop unnecessary coverage
Review your coverage. If your auto insurance premiums are worth more than 10% of your vehicle’s cash value, it may be better to drop comprehensive coverage. That said, it’s smart to ensure you have enough coverage based on your insurance needs to avoid being underinsured.
Compare Car Insurance Quotes for First Responders
Car insurance companies calculate premiums differently. When looking for the best and cheapest policy, comparing quotes from multiple insurers can help. Use MoneyGeek's car insurance calculator below to get accurate estimates based on your needs.
Car Insurance Calculator
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$192
High
$139
Average
$87
Low
Rates updated:
Apr 24, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$118/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$129/mo
MoneyGeek Score
79
/of 100
Average Monthly Payment$133/mo
MoneyGeek Score
77
/of 100
Average Monthly Payment$151/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Auto Insurance for First Responders: Bottom Line
In this page, we explore car insurance options for first responders, including police officers, firefighters, EMTs and paramedics. While some insurers provide exclusive discounts for first responders, not all do, making it essential to compare providers.
If a first responder discount isn’t available, other savings opportunities—such as bundling, defensive driving courses, and pay-per-mile insurance—can help lower costs. By shopping around and adjusting coverage as needed, first responders can find the best auto insurance policy that fits their needs and budget.
First Responders' Car Insurance: FAQ
There are different car insurance discounts available to first responders. MoneyGeek answers some frequently asked questions to help you find the best way to reduce insurance costs.
What companies offer first responder discounts?
Some insurance companies offer first responder discounts. Among them are AAA, Alfa, Country Financial, Direct Auto, Farmers, Grange Insurance, Mercury, National General, The Hartford, Travelers and Wawanesa.
What other discounts can first responders use?
Aside from a car insurance first responder discount, there are other behavior-based, loyalty-based and telematics-based discounts. Examples include discounts for vehicle and safety equipment, bundling, defensive driving, driver’s education and safe driving.
How else can first responders save on car insurance?
First responders can also save on car insurance by shopping around, increasing deductibles or dropping unnecessary coverage. If you rarely drive, you may also consider switching to pay-per-mile insurance.
What is the best insurance for first responders?
The best auto insurance for first responders may vary depending on individualized factors. When choosing a policy, consider your circumstances and needs.
Best Car Insurance Companies for First Responders: Our Review Methodology
Why Trust MoneyGeek?
We rely on reputable sources and reviews of discounts offered by top car insurance companies to identify savings specific to first responders and other opportunities to lower premiums.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Alfa. "Auto Insurance Discounts." Accessed March 31, 2025.
- Country Financial. "Car Insurance Discounts for First Responders." Accessed March 31, 2025.
- Direct Auto Insurance. "Your Group Affiliation Could Help You Save." Accessed March 31, 2025.
- Grange Insurance. "16 Car Insurance Discounts to Ask Your Agent About." Accessed March 31, 2025.
- National General. "Discounts for Smart Drivers." Accessed March 31, 2025.
- The Hartford. "Volunteer Firefighter & First Responder Insurance." Accessed March 31, 2025.
- Travelers. "Affinity Group Discount." Accessed March 31, 2025.
- Wawanesa Insurance. "Auto Insurance Discounts." Accessed March 31, 2025.