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Car Insurance Discount for First Responders

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Fact Checked
Updated: Mar 4, 2023

There are several auto insurance companies that offer first responder discounts. You can take advantage of these to save on your auto insurance premiums.

If a discount isn’t available, there are other ways to reduce car insurance costs. You may qualify for discounts not specific to first responders, including those for vehicle and safety equipment, bundling and defensive driving discounts.

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Key Takeaways

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First responders are those whose job requires them to be first on the scene of an emergency to provide assistance. These include firefighters, police officers, EMTs and paramedics.

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Car insurance costs can be expensive, but there are insurance companies that offer first responder discounts.

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First responder insurance discounts may not always be available. Some insurance providers may not even offer this type of discount. That said, first responders can take advantage of other types of discounts not specific to a profession.

Companies That Offer 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.

First Responder’s Auto Insurance Discounts
Company With First Responder Discount


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 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).


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.


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.


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 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?

First responders are those who arrive first and help in an emergency. First responders include various professional roles, like firefighters, police officers, EMTs and paramedics.

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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.

Other Auto Insurance Discounts First Responders Can Use

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.

Other Discounts For First Responders
Best For

Vehicle and Safety
Equipment Discount

Vehicle owners with safety
equipment like having airbags
and anti-theft technology
installed may qualify for
significant discounts.

Best for first responders with safety
installed in their cars


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.

Best for first responders with
multiple insurance policies

Defensive Driving

Drivers who have completed
a state-approved defensive
driving course may be eligible
to get a discount.

Best for first responders who have
taken a defensive driving class

Driver's education

Drivers can save on auto
insurance by taking a
state-approved driver’s
education class.

Best for first responders who have
completed a driver’s education

Safe Driving

Drivers who haven’t been
involved in an accident or
have no violations or claims
may qualify for a reduced
insurance premium.

Best for first responders who have
a clean driving record

Multiple Car

Significant discounts may be
available to drivers who have
more than one car insured
with the same insurance

Best for first responders who own
multiple cars


Some insurance companies
offer a discount for
policyholders who choose to
receive their documents

Best for first responders who
choose to go paperless

Pay in Full

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.

Best for first responders who pay
their premiums in full

Customer Loyalty

Some insurers have loyalty
programs. Policyholders who
stay with the same insurer for
a certain number of years
may get a discount.

Best for first responders who have
been purchasing insurance from
the same company for a certain
number of years

Military Discount

Active or past military
members may find discount
offers from some carriers.

Best for first responders who are
also members of the military

How to Save on Auto Insurance as a First Responder

Aside from getting discounts, there are other ways to save on auto insurance. Here are some of them.

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    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.

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    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.

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    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.

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    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.

Frequently Asked Questions

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.